This may be an easy read for some, and for others it mayappear to be all over the place. This topic has manydifferent complexities to it. Although easy in theory, the

many variables involvedcan cause those to easilylose their way. I will attemptto simplify something thatdefies simplicity. Thepurpose of the ebook is toexplain business credit as awhole. For the most part, how to obtain it and leverage itas funding for business endeavors. The only way this cantruly be understood is by use of parables, metaphors. Andanalogies. There is a science to it, to where it almost hasa life of its own. The only thing i could compare it towould be the game of chess. Strategy plays such anintricate part in its success. Because different

businesses have different end goals, the general information(although it applies to allbusinesses)can only take those so far that dont watch all of the videos. The live sessionvideos in the members area of gboogie.net help to expose the new small businessowner to many of these variables. Questions are asks from individual owners ofbusinesses in different industries from their prospective. This helps the new comerform strategies by taking in what resinates with them. What actually applies to theirpresent situation. This also changes the way one would ask questions in the futurebecause of a new found understanding of the system. This in turn prompts a betterresponse to the question, Giving the business owner the precise information needed.Here is an example. I get this question all of the time.."Once i get a paydex score, howmuch can i get?". There are alot of things wrong with that question. The first, thinkingthat a paydex score from dun and bradstreet even means something. Individuals new tobusiness find themselves engulfed with an array of propaganda perpetuated by theinternet, and business credit forums and blogs. In actuality, the paydex score issomething that has been restructured for public misconception. Dun and bradstreetactually gives you a business "credit score" that has nothing to do with a paydex scoreat all. That is the number that comes into consideration on lendability issues(amongother factors). For those who have been in business for the last 10 years, and arefamiliar with dnb may remember that it used to take five tradelines to acquire a paydexscore. These numbers were adjusted once dnb realized people were putting their faithprimarily in that score's number. I will do my best to explain the credit building processwithout using legal terms and jargon. I will, instead give examples and comparisons ineveryday layman terms.

As you can see from the sample file above, there are many differentelements to scoring when it comes to dnb. The paydex score simplymeans that you have completed three or more transactions withvendors. It has no real bearing on your company's lendibility. For abusiness to be truly lendable, it must have value or potential value.Some work must be done on the owner's side of things to build thebusiness properly. Because business credit has become a hot topic for

those with bad personal credit, this has also come to the attention of the credit bureausas well. They have taken certain measures to deter those seeking a "second chance"through their business' credit. Case and point, dnb's new i-update that asks you submityour personal information. This is due to an alliance formed between them andtransunion. Dun and bradstreet gets a little credibility in the credit bureauworld(because they are viewed as extortionist),as well as access to personal informationto cross reference in their system. While transunion also benefits through sharedinformation. This has all been done to prevent individuals from starting businesses andobtain credit without intentions to repay the debt. Only to start another business and dothe same thing again. With this cross referencing, business owners previously in defaulton former businesses are instantly recognized and given a "high risk" status on theircurrent company's business credit report. Essentially "red flagging" them. Now that wehave covered that, lets talk about some methods that can make your business lendable.

Legitimate businesses usually share similar traits.

They usually have employees(even if the owner is the only one)(w-4's filed and theproper withholdings, withheld)(workman’s comp, etc)(quarterly taxes paid, etc)If they are a corporation, they would have their corporate kit properly filledout.(meetings, minutes, stock certificates filled out)(corporate bylaws, etc)They would have stationary or business cards.They would have a comprehensive business planThey would have the proper licensing for their field of business.They would have a business phone number listed with 411 as well a a fax numberSome will even have promotional items with the company's logo.Some also have a toll free number with a professional sounding message whencalled after office hours.Some(but not all) have basic websites

These are just some of the things that most businesses trying to make a profit have incommon.

The point is, even your average everyday, run of the mill scammerwould also have to go through these checkpoints. So I will even write thisfor the individual that’s doesn’t even really want to start a business, butjust needs access to cash for whatever reason and this is the avenue thatwas chosen.

Let me start right off by explaining what cant be done. If you have had a previousbusiness that achieved some credit in the past, but was defaulted on then you cannot fillout a ein application. At least not for a new corp that you plan to build business credit onquickly. Because of the economy(The banking industry for the most part), Creditbureaus have been forced to step up their investigative techniques. They have verysophisticated cross referencing, and indexing software. Believe it or not, they evencross reference your relatives, friends and co-workers. Basically, once you mess uponce you would have to use a nominee to set up another company.

If you have never set up a business before or applied for an ein, You are safe for themost part. All you would have to do is basically follow the steps. Concentrating more onbusiness than credit always ensures that most bases will covered. Most individuals I runacross think credit first, and usually fail to pay attention to the business details. Thisusually results in getting turned down for business credit. As I stated above, I write thisfor both individuals. I wrote somewhere in a previous ebook that trying to use businesscredit as a means of income or financing is the same as being a “cobbler”. Not the shoemaker, but the person who specializes in new identities. The art of creating an identitythat didn’t previously exist is an old skill that dates back very far in history. The differentmethods available relate a lot to business credit because it involves variables. Variablessuch as age, race, and country of origin come into play. Whereas with business credit;the nature of the business, time in business, and the companys’ net worth are a fewfactors. They both all boil down to where and how to inject the information into systemso that it can be verified by third party sources.

Let me give a “cobbling” example, and then we will move on to business credit.

Lets say there is a man who needs a new identity for whatever the reason. Not only doeshe need a new name, but he would also like that new name to have good personal credit.Of course what good is a new identity if your credit is bad? One of the older outdatedmethods used to be to use an identity of someone roughly the same age who has passedaway. Then simply obtain a new ssn and drivers license. The older methods of buildingthe personal credit could be done by piggybacking off of authorized user accountswould have been the easiest route. This method no longer works. In the business creditworld its equivalent to reinstating a dead corp and then buying trade lines which also nolonger works. The problem that most have is that they never really learn the system.They just get comfortable to lax rules when things are good and they just slip throughthe cracks. In other words they just got lucky because times weren’t tough. With theidentity example 9/11 caused laws to toughen up. So anyone using lazy methods wouldfind themselves out in the cold because they never really learned to “cobble”. Theywere just stuck in a cookie cutter method that worked until it didn’t anymore. Whentrying to get caught up to speed they realize that they cannot keep the pace because asthey learn, they are really still only learning methods that were just as old as the onesthey were using. The same is true for business credit. You still have people out there tothis day trying to sell shelf corps with nothing more than a paydex score. This is usuallydone by someone who has never even successfully built a corporation to the level ofsubstantial credit. There are still individuals out there trying to sell you reinstated

corporations. Their thinking is” just because its old it will get approved for credit”. Thiscould not be further from the truth. Only functioning businesses receive lines of credit.Meaning, only businesses with employees that actually perform some kind of service orsell some type of product get approved for credit.

I was speaking with a capo the other day while we were working on the shelf corpproduct. Its was more of a ghost writing type of deal because of my schedule. Iremember mentioning the phrase "cash card kung fu". The phrase comes to mind everytime i think of the different methods for achieving large cash credit accounts. Thereason being, nothing is really cut and dry or straight forward. it is all an art, or finesse toput it a different way. If you were to ask a martial arts expert, "how do I block a punch?"his response may be "what kind of punch?" If you were to answer "a jab", his nextquestion may be "left or right hand?". This is the same dilemma we face when trying toexplain how to build business credit. Questions like "how can i build credit for mybusiness?". My answer is usually "what kind of business do you have?" and round andround we go...

This is why we use so many different methods (kung fu styles) to spark creative, problemsolving mentalities. This way you will know all of the ways a punch can be blocked, thenuse your own judgement on how to block it. Everything becomes organic and not stiff.Free flowing and not boxy. You must learn to be conscious of variables. In this examplethe variables would be; how tall is the person punching? ,what kind of punch? ,whichhand?, are they leaning in or not? , are they off balance? , etc.. When things are analyzedlike so you begin to see that that a question once thought to be simple, sometimescannot be simply answered. With that being said, welcome to my kung fu.

The first step to truly understanding these methods is to think outside the box. I willexplain this in a thinking out loud instructional way. as if you were in the room and i amexplaining everything as i go. Making sure to point out the "why" which is very importantfor learning.

because i am not the best Ebook writer, i always like to write the way talk, as well as theway i think things through. i like to write it as though your are right next to me lookingover my shoulder as i am explaining what I’m doing. Hopefully this writing format will putthe reader inside my head and see things from my perspective. I will be using severalanalogies to get my point across so Let’s start with the first one.

Lets say i live in a small US town that has only one main money man to borrow moneyfrom. Lets also stipulate that he only lends money to people who have references thathe can verify. It is also important to mention that he has a very large family. With all ofthis being said, how do we get the main money man to finance our new business? This iswhere the "kung fu" comes in. I call it cash card kung fu but its really "business credit"kung fu. it all starts with a problem that needs a methodical solution that makes sense.

getting back into the example, lets say the main money guy is very suspicious of peoplehe doesnt know. Let us alo state that he has an extensive information network thatallows him to check you out thoroughly. How do you approach him? Can you evenapproach him? in this simple but very relevent example i would go for one of theyounger siblings. seeing that the main money guy is related, and the younger sibling ismore accessible i would build my relationship that way. Almost like the way the policebust low level drug dealers to work their way up the chain to the head man. I would knowthat by making a few successful transactions with one of the younger siblings it wouldgive me a little credibility with the older more established relatives.I could really stopright here, and be confident that you get what im saying but i believe even that is toovague so lets dive deeper. lets have some fun and actually put this in a business creditperspective. Dont worry we will go with another easy one. There are alot of websitesthat concentrate most of their time on findng trade lines. They go to sites likecreditboards, and different forums to find new companies that report trade activity. Thisproblem can also be attacked in the same manner as the sibling example. Always shootfor the siblings. A good example to use would be NEBS. Although it has been disputedmany time whether nebs reports to dnb or not(they do), we will use them for thisexample.If nebs was the only company i knew for fact that reported, i would start fromthere. Nebs is a subsidiary of deluxe enterpsises(main money guy).By doing some quickand easy searching i can find all of the subs,call them up and verify if they report(whichthey usually do) and start my list.Here is just a few of nebs' siblings:(Chiswick, Inc.;McBee Systems, Inc.; NEBS Business Products Ltd. (Canada); NEBS Payroll Service Ltd.(Canada); PremiumWear, Inc.; Rapidforms, Inc.; Russell & Miller, Inc.; SafeguardBusiness Systems, Inc.; Safeguard Business Systems Ltd. (Canada); VeriPack.com, Inc).This doesnt count the fact that all of these companies are owned by deluxe corp. A quickcheck of what these companies do, and what type of accounts they offer will let youknow if they can be used or not. I will not give it away, i will let you find out for yourself.Lets just assume for a minute that they all report trades to dnb(including the ones incanada). Just from doing a little reasearch you can easily find trade lines. This mentalityserves well when it comes to revolving accounts too.If one's main goal was to get aCITIbusiness card, Then citi subsidiaries would be would be the main target. We wouldseek out subs that offer net terms.Just off the top of my head i know quill and tech depotare each in the citi circle. They both offer net terms.For a stronger picture one wouldonly have to profile citi group.Im sure WIKI has a break down of the company and itssubsidiaries.This would let you know what other companies it owns or underwrites.

When it comes down to what the quickest, and easiest bank to target is citi is #1 on thelist.For the rest of this ebook I will go through all of the steps i use when building acorporation for the purpose of funding. So without any further delay, I would like toinvite you to experience “The scammers handbook”

Step1) I would have to choose a field that is very lendable. Agriculture,electronic

communication, manufacturing , and energy are the top sic codes. I have always favoredelectronic communications the most. When possible I even combine a manufacturingcomponent to the business giving that little extra kick. For the sake of this ebook I willbe starting a wireless repeater company. A repeater is similar to a router but works inreverse. With the right software and a little know how you can turn a household routerinto a wi-fi finding repeater with a range of over a mile(depending on line of site). Soundvery technical. But it is very easy. By going here..http://www.webstersonline.com/sicresults.asp?siccode=4812 I can find what the propersic code would be for that type of business which is 3661. I can also find out that theNAICS code for that same business is 33421. I will need to know this when its time to fillout the ccr registration. We will get to that later. After narrowing down what name I amgoing to use for this business.

Step2) I am ready to apply for an ein number. The online ein assistant is located at thislink https://sa1.www4.irs.gov/modiein/individual/index.jsp but i would instead elect to callthis number (800) 829-4933 to receive my ein number. The reason I would do this is formaximum efficiency. Vendors can tell by which method you acquired you ein based onthe first two numbers it begins with. The same as the first three numbers in you ssn tellwhere you were born. In a high pressure situation I would call to receive my numberinstead of by fax or online. Once I have that secured the next step would be toincorporate the business. We have a few offices in north Carolina so depending on if Iam in that state at the time I would incorporate there. Lets assume that it will be a NCcorp. Also note that I will not be aging the business at all. If I was going to age it then online 10 of the ss-4 form I would back date it close to 2 years.

Step3)Now I would incorporate. This process is actually easier the the ein application. Itdoesn’t even require a lot of information because there are only a few lines to fill out.What I decided to do instead is place a sample image below.

As you can see there are only a few simple lines to fill out and that’s it. Throw in a moneyorder for $135 and wait until it is mailed back to me me. While im waiting for that I canbegin to do the most important part of the entire ordeal and that’s the listings andregistrations. I will need a business line as well which I will use icall for.

Step4) Icall is kind of like an iphone for your computer. Its free and comes with a localnumber plus extension. The computer will actually ring when someone calls. You canalso place calls using icall from your computer to pretty much anyone. Each call is limitedto 5 minutes though but that’s enough time for business purposes. Icall can bedownloaded here for free. http://icall.com/ . Now that im armed with my new businessnumber I can begin to list my business phone number as well as any related businessinformation to start it on its journey through various databases. I do all of this before Ieven apply for my dnb number. If I wanted to include the capability to receive incomingfaxes then I would use k-7.net which is also a free service.

Step5) locallytype(http://www.locallytype.com/pages/submit.htm) andsuperpages(http://www.superpages.com) is where I will start my listings. With Icall Iwould not be able to list with listyourself.net(http://www.listyourself.net/) . Because ofthe fact that icall has an extension number attached, I would not be able to verify the

number when it calls to validate the business phone number. I say that just in case someof you were wondering why I didn’t include it. For maximum effect, and minimum lazinessit always better to list with every single US site that they have. You can bypass the onesthat make you pay a fee because there are more than just a few on that page. Its alwaysgood practice to also list with as many foreign ones as you can as well. If you do get lazyand I begins to get monotonous, just make sure that you list with all the infousa sitesbecause that is the bread and butter. Its where credit.net gets most of its informationand they sell business credit reports as well. After finishing off locallytype I would thenhead over to getlisted.org (http://getlisted.org/) . In some circumstances I will pay the $4a month for the verizon wireless listings if I happen to be using a cell phone as the mainbusiness line(http://multimedia.verizon.com/listings/). For this particular business Iwould pass. Then I would list with manta.com(http://www.manta.com) . I would normallyround out the list by setting the company up its own google business page so that I canget the google 411 listing as well as the google maps listing. Then I would move on tothe next leg of the trip.

Step6)All of the previous steps would be accomplished in the same day. I would thenimmediately apply for a free staples and office depot rewards card.(http://www.staples.com/sbd/cre/marketing/easybutton/rewards.html)(https://www.myworkliferewards.com/loyalty/enrollment.do). They both have pretty simpleapplications, and you receive you rewards number instantly. Once I have them bothsecured I would later that day go to both store and purchase something(anything) andmake sure I use those numbers. If, while building the corporation it just so happens tobe towards the end of the month I would make sure that I went in again to repeat theprocess as soon as the next month came in. The purpose of this is, they record yourpurchases to help them see what you buy. It helps with target marketing so they knowexactly what type of ads to send you based on your spending habits. Its also in a smallway causes you to be considered a customer. It even put you inside the jp morgan/chasedatabase as well.

Step7)After that I would start my catalog run. I immediately double back to staples andoffice depot for catalogs first(http://www.staples.com/office/supplies/reqcat1?storeId=10001&langId=-1)

(https://www.officedepot.com/catalogrequest/catalogRequestDisplay.do;jsessionid=0000UaJqZNDZ5bkUJ3KNSZ8U1hM:13ddprb4e) Catalogs are a very important part of thewhole process. Some net 30 vendors will not grant you credit if you are not already acurrent customer. Catalogs come with customer Id numbers making the orderingprocess a whole lot smoother while also increasing your chances of easy approval. Youdon’t ever have to apply for every single catalog there is, just the main companies thatyou would need credit from. My list would consist ofuline,grainger,quill,gemplers,reliable and northern tool. If you have noticed so far, theonly money that has been spent was on incorporating and a few insignificant purchasesfrom staples and office depot. The bulk of the work is all listings catalogs, andregistrations and we are nowhere near finished. Usually on the first day of catalogs Iwould stop with the ones I just mentioned and give that time to be digested by the

databases. This normally takes a few weeks but as soon as the catalogs arrive I wouldbegin placing net 30 orders.

Step8) After that is all done I would go the experian’s business website and register withthem. This requires a debit card number. The card doesn’t have to have any money on it.There is just a space for it for future products you may purchase from them so they askyou to put one on file to make life easier for you. Obviously this helps to get you intotheir database a lot faster. This one is self explanatory so I wont go too deep into that.

Step9) obtain a free dun and bradstreet number in one day from their government grantswebsite(http://fedgov.dnb.com/webform). This is also a very important step for thescammer. You always have to remember that you must include everything correctly thevery first time. If you later decide to go back in to add employees or submit financialstatements they will charge you a fee and even hold up your trade lines in some cases.The trick is to stay as far away from them as possible. The only catch with obtaining yourdnb number from that site is you will have to make sure that you complete the ccrregistration or things wont work out like you plan them to. It is very important tounderstand that you will have to list at least 5 employees with your company. Anythingunder that and you will not get a rating because your company will be considered asbeing too small. Also, when inputting your estimated annual earnings, you must alwaysmake sure that the numbers make sense and are properly proportioned. For thisexample I will use 6 employees with estimated earnings of $275k. The reason I use thesenumbers is because they are more believable in this current financial climate. Even if allemployees got paid the same salary it would be somewhere around $30k or so countingexpenses. This all needs to be taken into account ahead of time so you know how thefinancials will have to look. I use manta.com to get a good guestimation of what theaverage number of employees are nationally for the type of business. Here is just aquick

example.

After taking some time to go through a few of the smaller companies in the same field, Ican always get an idea of where I would sit. Six employees is fine because a lagremajority of the businesses had less then that meaning im not at the bottom percentagewhich is fine. This comes in handy because dnb rates your business based on similarbusinesses it has in there database. Once I check a large number of them, I simply goover to dnb’s website to see if those companies are listed with dnb. I also check thereannual gross as well to make sure that I am well within the threshold. Although I makesure my numbers are correct in my head, I don’t upload financials to them just yet. I willexplain why much later. Just a quick note on how I do my employees. They can always befamily or friends but they must be real people. They will not need to perform any dutiesor anything. This is simply needed on paper only.

Step10)Once your corporation paperwork comes back, open a business bank account.You will want to do this before you fill out the ccr. The reason being, there is a space onthe ccr registration where you will have to include bank account information. It will notshow as being completed if you just skip over it. You can always just put anything onthere but its way to easy to simply put legit banking info on the registration. For thosewho have been red flagged by telechek,chexsystems,or even EWS. There is a list ofbanks that don’t report to chexsystems . Sometime it can be a chore depending onwhere you live, but there is always one out there somewhere. If push ever comes toshove you can always get a prepaid and use the routing number and account number

that comes with the direct deposit feature of that card. It wont be in the business namebut at least it will be real. Also most banks will want you to have your corporate kit aswell. This comes with the stock certificates,meetings and minutes as well as yourcorporate seal. The kit also comes with corporate resolutions that some banks require inorder to open up a corporate account. Corporate resolution is basically a piece of paperthat says you have the authority to open a bank account on behalf of the business.

Step11)Now I would fill out the ccr registration (https://www.bpn.gov/ccr/default.aspx).This registration process is similar to the D&B number request, except you will need tohave your sic code handy and your naics number. It is a very lengthy application to fillout. Because I would have to actually fill one out to be able to do a screen capture, I willnot be able to paste screenshots of this process. It is all pretty self explanatory, but mygoal for this ebook was to take the guess work out of the whole process. This one youwill have to brave alone.

EMPLOYEES AND FINANCIALS

Im going to stop here for a second before istart to apply to net 30 vendors. I have to getmy employees and financials together to uploadto dnb.Financials are the actual heart and soulof your business credit report.This gives thelender and vendors a picture of your financialstatus. The trick is to create a greatfinancial snapshot while not leaving yourself aheavy tax liability. Contrary to popularinternet mythology, a financial statement hasto do with more than just projections. If i wasto claim that my company made $1mil dollarslast year i would have to pay(roughly)$370k intaxes. Even after itemizing as much as i couldit would not make sense to itemize all the waydown to zero. So its all about giving theappearance of equity and profit. A new businessmakes it almost impossible to get a fullfinancial snapshop. What i do is create equityin the form of inventory. But with equity youalso need sales(income). It has to be balancedout enough to where it all compensates theamount of employees the company has. It alsomust take into account the employees andexpenses. This is not as tough a feat as itsounds. I will attempt to take the mystery outof this process.

Since im using six employees for this corp there are a ffew option I can use here.If Iam going the scammer route, I can just basically make them up. If I am going to build it forthe long haul I will need friends and family to serve as employees on paper. I would havethem fill out a W-4 for and an application, and I would calculate their pay to where theywont have to pay any taxes as well. I could always set their salaries very low and justifymy tax deductions with expense accounts for each. For example all employees salariescould start at $1 dollar a year but I could add per diem at what ever rate I choose. Thatway the expense account is a write off for the business and the employee doesn’t oweany taxes. I would have to set my company’s revenue number from the start and thenwork backwards to reduce any tax liability for the company or at least bring It down to aminimum. My number as stated earlier is $275k which would bring my tax obligation toroughly $102k. I would work in reverse to itemize this amount down low enough to passscrutiny. Is everyone with me so far? Great then lets get started:

I would make each employee single and a non dependent. If I have them fill out a W-4form I would have them put down “exempt” from taxes on line 7 of the form. I would set

everyone’s salary at $8500 each. That times six equals $51k cutting the tax liabilitycompletely in half because salaries are business expenses. So half of the work is done.I could actually tweak the numbers of income a bit higher if I wanted to but I will leave itthere for simplicity. The rest can easily be itemized down with:

Fuel expenseOffice leaseUtilitiesOffice suppliesOffice expensesPhone expensesEquipment purchase or leaseVendors/suppliersBook keepingEmployee expenses(lunch,fuel,travel)Payroll serviceMisc expensesEmployee trainingShippingEtc

If it happened to be the beginning of the year I would give these figures as last yearsnumbers. It would still be early for filing taxes and it would not appear strange that Ihaven’t filed yet. I would then submit the current years numbers as almost double that sothat it will jive with the projections and all make sense. For the previous year I wouldprobably leave roughly $10k as profit causing me to only owe(roughly)$3,800 with timeleft to file. Small price to pay when the time comes. It would be paid out of credit that wasleveraged anyway later down the line. Small price to pay. Here is a link to a samplefinancial statement.

http://www.toolkit.com/small_business_guide/sbg.aspx?nid=P06_1578http://taxguide.completetax.com/text/Q13_2570.asphttp://www.business.gov/manage/taxes/business-income/tax-deductions.html

I have also included with this ebook an awesome financial statement template from thetexas banking department. It is a very good template to go off of that should get youstarted pretty good.

After I finish my financial statement im ready to upload it to dnb. If I have a cpa thatwill sign off on it that would be the best way to go. If not, I will simply upload it withoutone. They use what they call the “duns right” format to make sure everything isformatted correctly to their specifications. Although I have finished my financials I willnot upload them at this time. That will come much later on. Its just at this stage you needto already have them done and ready to submit.

When I ended the list earlier I was almost at the stage where I would place my firstnet 30 orders with vendors. Before I walk through that I have to make a few points aboutdnb and being red flagged. If you have ever had a previous business that went intodefault for any reason, chances are you are red flagged. There are working very hard tocatalog and inventory everyone. They are trying to make it to where you only get onebite at the apple. So if you are a person in that situation you will have to use a nominee

that cannot be traced back to you. A friend or family member that does not live at thesame address. Once the business is off the ground then you can take over. They usetheir own algorithm to find you and also assess your company’s credit worthiness. Itscalled “duns right”.

This is how they calculate your credit score along with other relevant scores. Thepaydex score in itself has nothing to do with your credit score at all. As you can see fromthe image above, these are the basic 4 attributes their computer looks for when making

a determination about your company.

These are the weapons and methods they use to track you. This is from their ownwebsite as you can see. The whole trick is to beat the computer. Basically feeding it the

information that it wants to find. When knowing exactly what its looking for and how itgoes about finding it we stay one step ahead of it. This is hugely the reason for all of the

registrations I did in the earlier steps.

The number 4 option above is the one I was speaking on earlier. They check to see ifyou are even a member of another company even if the company is overseas. They

search for your name particularly. This is the purpose of joining certain rewards clubsetc, making it easy to find you in the system. It also works the same if you have been redflagged. Make no mistake, they will find you if you had a previously failed business. Theyhave even spun off one of their subsidiaries aimed at pretty much forcing you to pay forthe services. Here is an article from bloomberg businessweek dated January 13,2011 :

http://www.businessweek.com/smallbiz/content/jan2011/sb20110113_331630.htm

I will paste some of the key points mentioned directly from the horses mouth:

The Dun & Bradstreet brand has been synonymous with credit reports for most of its 159-year history.To business owners like Marilyn Landis, though, the name also means hard-sell pitches for informationfew businesses need. Her Pittsburgh financial consulting firm, Basic Business Concepts, got a call fromD&B in December with a warning that another business had requested the company's credit file. Thecaller suggested that Landis' business might look risky to vendors if she didn't pay to update her creditreport with revised financial data. "What it's doing is scaring small businesses," says Landis, the formerchair of the National Small Business Assn……

Revenue at the small business division, which charges companies to rate their creditworthiness, wasdeclining by double digits under D&B's ownership. Stibel acknowledges he has to approach customersin a new way. "There was a fair amount of fear-based selling, and that's something that we are trying to

dramatically change………

Because many small business transactions aren't reported to D&B, a company's file may make it lookriskier than its complete payment history would, says Doug Palmer, a Bethesda (Md.) accountant. Fewbusinesses or lenders consider D&B records essential for credit decisions, Palmer says. Like Landis, he

advises clients not to pay for D&B products unless a specific creditor requires it. "Vendors andsuppliers ... would much rather see financial statements and [check] trade references" than buy D&B

reports, he says ……

That's why Stibel is exploring ways to help companies manage their reputations beyond credit."Businesses are confused and paralyzed," he says, "because they don't know where to start" managing

how they are perceived online.

There you have it. Feel free to read the rest of the article. They are clearly revampingthe whole company for the new year to come. Its actually one of the few times I have

heard dnb’s rough tactics actually mentioned in public. Sure its on forums andeverywhere else but I have never seen it on bloomberg. I guess enough people simply

got tired of the lies they tell and the way they do business. Until they get their acttogether I will arm you with what you neeed to know to avoid as much of it as possible.

Lets take this time to go over the dun and bradstreet business credit report one page ata time:

I will now walk you through a complete dnb report. This is a sample from their ownwebsite. Some have never even seen a full report before only the eupdate. This should

once and for all explain to the internet business credit community that just having apaydex score gets you nowhere.

As you can see above, there are a few of the thing listed that I mentioned earlier. Thiswas all previosly going to be a powerpoint presentation which is why they are all in the

form of slides. Because of the size of the slides I will go one page per slide.

Using these elements as a whole is how they make determinations.

As you can see, this is the actual first page of your business credit report.Its simply listsyour business name,duns number, and business address.

As you can see, this company has a paydex score of 70. You will soon see that it meansabsolutely nothing after looking at the rest of the business credit file. My goal is tochange what the internet tells you about obtaining credit. I get the same questions

everyday saying..”I have a paydex score now, what should I be able to get?” I alwaysrespond back saying..”I don’t know, I would have to see your file. That’s the only way I

would know what your credit score is” A paydex score is merely an acknowledgement ofthree succesful business transactions. That’s it. They could have all been made using

cash and no credit.

As you can immediately see, they have been classified as being high risk. I chose thisparticular sample report to use because it perfectly displays the points I want to get

across. So obviously if credit were to be extended to this company it definitely would notbe based on their paydex score. It has been given the highest risk number on the scale.

This element may not be as fair as it could be. Its all calculated based on othercompanies in their database. They use this along with your current pay history to

determine the odds on you not paying your debts. Normally as long as you have paideverything on time and have several trade lines on your file for them to draw from you

should be fine. That would keep the risk down considerably.

This is where,based on similar companies in their database they decide whether yourindustry becomes financially strectched too thin. For example, A lawn care service is a

seasonal business so obviously in the winter months there is less work to do. So over a12 month span if the business stays open all year round it will still have the same billsbut less money coming in to pay them. Another example would be an orange grower.

Crop yields would be determined by the weather. A bad stretch of cold weather woulddamage a harvest and cause financial stress for that business.

This next page of your report contains your basic business information.How many branches you have if any as well as what the business does andits sic code. It lists how many employees you have and even how many atthe headquarters. You will notice that under “sic financial condition” they

have listed the business as fair. These stats are based on financialstatements that you send in to dnb. The history is also clear meaning that

D&B was able to verify the information the company submitted. If it cannotverify certain information you will be given a status of incomplete. It is very

difficult (but not impossible) to build credit with an incomplete file.

Of course as you can see, this is the public filings section. It lists any liensor judgements the company make have against it. It also lists any ucc’s the

company may have filed against it. Ucc’s can be used to show pasttransactions on a new business and in a sense aging it. As an example, if a

business was started yesterday a ucc-1 could be filed listing details ofsecured transactions that date back further than yesterday. This causes itto created a secured trade reference. This is different from a trade line but

serves a similar purpose. I will not list details of this procedure becausethere is already an ebook that describes this process as well as explains

how to do it. Visit ucc-1 credit for that information.

This is a very important part of your d&b business credit report. As you cansee the rating is based the company’s financial position as well as the

number of employees. These are the same parameters use to distinguishbetween what is considered a large or small business. If your company has

4 employees or less dnb will not even give you a rating. Obviously whilebuilding your business credit you will want your rating as high as possible.

You must make sure that if you are fudging numbers that you fallsomewhere in the middle. Its always a safe rout to take. Below is just asmall image of the dnb ratings chart. The full chart can be found here

http://icreditconnection.com/Building%20Business%20credit/DnB%20rating%20chart.htm

From the 3A4 rating the above company has, you can see that the 4 is for“limited”. I wuld want my business to at least fall somewhere between 1Aand BB. Use this chart as a guide. These are the things the average newbusiness owners need to know to avoid making mistakes. Its one of the

reasons we never have any problems building business credit on our shelfcorps because we stay current with the details.

This section is as important as the last one. This is your financial snap shot. This issimilar to what I explained earlier about the financial statement. This will give you anidea of what they do with the information and how it appears on report. This should

further drive the point home clearly that obtaining financing has nothing to do with apaydex score. When preparing your financials make sure your ratios fall somewhere in

the middle.

This is a simple listing of any domestic companies your company may own assubsidiaries. Basically all self explanatory.

Now we are getting to the meat in the sandwich. For the most part this is the section thatbreaks down what you can qualify for. Let begin to dig into this part of the d&b business

credit report.

As you can see here, they average out your trade lines. They also display your net worthand how much money your company has to work with. Most new business owners nevereven see this part of their report. To get the most out of your report you must be aware

of whats in it and how its used by vendors. It is to your benefit to upload a financialstatement to dnb every 3 months. Each statement should show a positive growth in all

areas. This is especially important now that you see what the vendor sees.

Normally this page would indicate a recommended credit limit. This is the number thevendors go by to determine how much credit to extend you. Many of you may have heardme on youtube videos saying “it’s all about your file”. This is what I meant by that. As youcan clearly see, there is so much that goes into it. A laundry list of variables. Always keepthese points in mind when considering your plan to build your business credit. Knowing

these variables is the only way to help you make informed decisions.

This particular page kind of speaks for itself. This number is totally based on theindustry you are in. It lists the probability that you will close the business owing debt or

either getting bailed out. If you noticed,this is a printing company and it says this siccode fails 8% of the time. It also says that 8% is three times higher than the average

business sic codes they have on file. That would make this a high risk business. Hencethe high risk indicators we saw earlier. Although it sits at a higher risk, it still receives a

moderate rating.

This is pretty much the same as the last slide. It does give you a few more pieces ofinformation. You can see the financial stress score is 1263 which places it more towardsthe high risk side. It also shows you that these decisions are made based on comparingsimilar companies in its database. This continues to show the type of business you are

in, plays a major part in credit decisions.

This is simply the page that gives more specifics on why it issued the stress class rating.It tell you why it was either high or low. Some of the pages are slightly redundant but in

most cases they have an extra piece of information. Its usually that or the followingpages are there to explain it in layman’s terms.

This would be your business’ actual financial stress indication. This one would deal withyour company and is not based on other companies in there database. As you can see

this company doesn’t have enough data for a trend to be calculated.

These are just the notes that explain how everything is calculated.

Just by looking at this page of your dun and bradstreet business credit report its prettyself explanatory. I feel that being able to actually see all of what goes on behind the

scenes, helps in your preparation as well as understanding about how business creditworks.

This is the last page of this section of your report. As you can see it’s simply a recap ofeverything. Overall this company has a high risk. I feel this is important for the public to

know. It plays its part in dispelling myths and informing new business owners.

OK! Now we will get in to the trade lines and the payment details. This should be a veryeducational look into this breakdown.

In the image above you will notice that this company has an paydex score of 47. You canalso see that d&b says the norm for that type of company is 77. A little further down you

can see that the company has 60 trade lines but only pays its bills on time 23% of thetime. This is very similar to the snapshot you see when you look at your dnb eupdate.

This is also something most people are familiar with. It speaks for itself.

At going over the last section, these sections are very easy to read and require littleexplanation.

This page shows you the paydex score’s highs and lows for the past 12 months. It neverwent higher than 47.

This one shows you the same thing but from the previous year. This also helps to dispelthe myth that d&b only keeps your information on file for one year. You can now see for

yourself that it isn’t the case.

This page just divides it all by quarters.

This page breaks the trades down by amounts. Its lets the vendor see the percentage acompany pays based on how much the trade line was. I feel this is also a very important

thing to know. It lets you know that you would really want to pay you highest lines on timebecause someone is checking. So just know that if you apply to a vendor and request a$5000 line of credit they are able to see if you have open credit close to that amount and

whether or not you pay on time. This will be a factor in ther decision.

Of course this is another familiar sight for those who have ever checked their dnbeupdate. This is where it breaks down your trade lines. This page explains how much

the trade line was for as well as whether or not it was paid on time. These numbers arewhat your paydex score is calculated from. This page is no real mystery.

This is simply the continuation of that page. Remember earlier we saw that this businesshad 60 trade lines.

This page of your business credit report breaks down your trade payment history for thelast two years. I am sure at this point you notice there is a great deal of redundancy andoverkill in some of the pages. I figure since I started going through the report it wouldnot be right if I didn’t show it all to you. I will be sure to keep the comments brief if the

particular slide we are viewing holds little importance.

This next section deals with public filings as you can see.

This is a snap shot of the public filings against this company. Public filings are pretty selfexplanatory as well.

This company currently has unsatisfied judgments against it. This counts against you onyour overall financial stress score as well as your financial risk score.

This is the section on liens. You will notice that sometimes the amounts are shownwhich helps to give a potential lender a full picture of how much is outstanding. When

there is no amount present it can be considered negative or cautionary.

Another self explanatory slide.

This is the ucc filings section of your d&b report. Ucc’s can be a very positive thing on anew business’ credit report. Ucc filings show a secured transaction between either two

business or a business and individual. At least one business must be involved in thefiling. The filings above deal with equipment leases. I means this company used somesort of collateral in order to secure the lease. This is filed by the leassor in order to

protect itself in the case of default. It serves as proof of the agreement in case a lawsuitis placed on the leasee. It’s a public proclamation of a claim towards the company that inany event it is sued, the secured collateral belongs to the leassor. For more information

on ucc filing visit ucc-1credit.

Other than the previous factors that explain what shape the company is in, The specialevents section is usually where you would go to find out if you have been red flagged.When a business or the owner themselves are red flagged it would state why followed

by a high risk classification.

It also shows any new announcements that you send to dnb by updating your file. Anychanges or adjustments to your company’s structure.

These are all just breakdowns of the information we reviewed earlier. Since they were inthe form of numbers and charts, this tries to explain things in a simpler fashion.

Again just redundant information but with one small twist. On the last line you can seewhere it says “present management control”. This point would be very important tothose who want to build shelf corps. Once a company changes hands it is noted with

your business credit report. In some cases vendors place a heavier scrutiny onbusinesses with recent changes of ownership. The reason being is new management

hasn’t been tested yet as opposed to the old management who has brought the companyto this point. It can also work in reverse where the business is struggling and new

management is a welcomed change.

This section is about the owners and officers of the corporation. It includes theeducation level as well as any previously reported corporate experience the officers

may have. This can be a plus as well as a positive factor in deciding the fate of abusiness credit application. If the CEO is a business school graduate who has also

worked or interned for a similar company that happened to be successful it would reflectpositively. The last line labeled “affiliate” is where the corporate linkage comes into

play. This is where they have checked to see whether or not you are linked to any otherbusinesses. They also check to see if you have had any previously failed businesses.

These facts will be listed here. Any previously failed businesses will cause you to be redflagged as well as any company you become a part of.

This page just states what type of business structure you have whether it be soleprop,llc,or corp. It also lists whether or no you have filed the proper registration

required to be in compliance with said structure. It displays whether or not your companyis a non profit or for profit business as well as how many shares were issued. This page

also states what state the company is registered in. All pretty much standard stuff.

This is a condensed overview of the business and business location. It explains whattype of structure your business is located in. It even explains the traffic on the street.

This is done through google maps along with the supporting third party information. Thisis also why I explain to people that drop boxes are a no no. They actually do their due

diligence when finding out exactly where your business is located. This page alsoexplains how many branches the business has, what it does and how many employees it

has at that location.

Simple page listing the sic and naics codes. Something they could have put on any otherpage but, oh well.

This section is actually one of the most important. Its based on the financials you submitand whether or not the pass the muster with dnb. Your finances are always a part of any

credit making decision.

These are three years worth of financial statements. This is where you will be puttingthe lessons on financial statements to good use. A new business could always submit

one previous year, and a current statement. Practice up on how to fudge yourstatements.

You can see that these financials were prepared by an accountant. This is always thebest way to go if you can afford it.

Sales and net worth ratios. Hopefully after going through the actual report you havegained a better insight as to the inner workings of dnb. The goal was to help keep youfrom making huge mistakes based on misconceptions on the internet. By viewing the

report for yourself you can see personally what the credit bureau looks for anddocuments. You also know how their rating system works. It also helps me at the sametime by reducing emails of questions like.”do you think I could just use a po box as a

business address?”. You can see for yourself that would not fly. Or, “if I have a paydexscore, what type of credit can I get?” At least with a full understanding you have a

fighting chance to position your business favorably.

Before I get back into the simpler remaining steps, I wanted to go overthe banking aspect of all of this. The best way to build balanced businesscredit is by attacking it from all sides. That means quality department storecards, cash equivalent credit cards, and unsecured business loans. Althoughit’s really tough these days to find a decent bank that will give securedloans to businesses, there are still some out there. Try credit unions andsmall local banks. If you have a bank inside your local walmart they areusually pretty good. You want to find out if they allow new businessesaccess to secured loans. The amount of time it takes to build the creditalways depends on the person's budget(everything does). That decides

how long it will take. If I put $20k in a CD would it take long to get a$40k-$50k loan? no. But if i get one for $500-$1k, i would still be able toget the $40k-$50k loan eventually but it would just take longer. I wouldget a cd for Half of whatever budget you have. That way you have aninvetment that shows and also a bank account with activity. The computerultimately decides. The bank types it in and the computer tells them yes orno. The purpose of the cd isnt for borrowing ability.The cd is one part of the2 part plan.The CD's are to estatblish a lending relationship from the bank.They will only loan you dollar for dollar. Its only after the second,3rd timethat you go unsecured.Thats why that end usually takes 3months.secured;loan,loan,loan, then big unsecured. The second part of thestrategy cash equivalent credit cards. The way that is achieved is simplystarting a "good reputation" campaign. Basically meaning that you doeverything correctly and make sure all of you I's are dotted and T'scroosed. The sloppy way that most new businesses come in makes themthe most vulnerable. You come in as "seasoned", and all it takes is a littlepatients in learning and understanding the system. When it comes tobanking, new business owners need to understand that there are severalother(less popular) credit bureaus that just Deal on the banking undustry.You will want a half way decent file built up within those bureaus aswell(show bureaus)Also always remember that "cash equivalent" creditcards are also underwritten by banks.A few secured loans will satisfy themas well as a handfull of department store revolving accounts. As much asthe internet like to promote propaganda, the reason why all creditapplications ask for you ssn now because of the "know your customer"statute within the patriot act. “The purpose of the USA PATRIOT Act is to deter and punishterrorist acts in the United States and around the world, to enhance law enforcement investigatory tools, andother purposes, some of which include:

To strengthen U.S. measures to prevent, detect and prosecute international money laundering andfinancing of terrorism;

To subject to special scrutiny foreign jurisdictions, foreign financial institutions, and classes ofinternational transactions or types of accounts that are susceptible to criminal abuse;

To require all appropriate elements of the financial services industry to report potential moneylaundering;

To strengthen measures to prevent use of the U.S. financial system for personal gain by corruptforeign officials and facilitate repatriation of stolen assets to the citizens of countries to whom suchassets belong.

Below is a brief, non-comprehensive overview of the sections of the USA PATRIOT Act that may affectfinancial institutions.

Section 312: Special Due Diligence for Correspondent Accounts and Private Banking AccountsThis Section amends the Bank Secrecy Act by imposing due diligence & enhanced due diligencerequirements on U.S. financial institutions that maintain correspondent accounts for foreign financialinstitutions or private banking accounts for non-U.S. persons.

Section 313: Prohibition on U.S. Correspondent Accounts with Foreign Shell BanksTo prevent foreign shell banks, which are generally not subject to regulation and considered to present anunreasonable risk of involvement in money laundering or terrorist financing, from having access to the U.S.financial system. Banks and broker-dealers are prohibited from having correspondent accounts for anyforeign bank that does not have a physical presence in any country. Additionally, they are required to takereasonable steps to ensure their correspondent accounts are not used to indirectly provide correspondentservices to such banks.

Section 314: Cooperative Efforts to Deter Money LaunderingSection 314 helps law enforcement identify, disrupt, and prevent terrorist acts and money launderingactivities by encouraging further cooperation among law enforcement, regulators, and financial institutions toshare information regarding those suspected of being involved in terrorism or money laundering.

Section 319(b): Bank Records Related to Anti-Money Laundering ProgramsTo facilitate the government's ability to seize illicit funds of individuals and entities located in foreigncountries by authorizing the Attorney General or the Secretary of the Treasury to issue a summons orsubpoena to any foreign bank that maintains a correspondent account in the U.S. for records related to suchaccounts, including records outside the U.S. relating to the deposit of funds into the foreign bank. ThisSection also requires U.S. banks to maintain records identifying an agent for service of legal process for itscorrespondent accounts.

Section 325: Concentration Accounts at Financial InstitutionsAllows the Secretary of the Treasury to issue regulations governing maintenance of concentration accountsby financial institutions to ensure such accounts are not used to obscure the identity of the customer who isthe direct or beneficial owner of the funds being moved through the account.

Section 326: Verification of IdentificationPrescribes regulations establishing minimum standards for financial institutions and their customersregarding the identity of a customer that shall apply with the opening of an account at the financialinstitution.

Section 351: Amendments Relating to Reporting of Suspicious ActivitiesThis Section expands immunity from liability for reporting suspicious activities and expands prohibitionagainst notification to individuals of SAR filing. No officer or employee of federal, state, local, tribal, orterritorial governments within the U.S., having knowledge that such report was made may disclose to anyperson involved in the transaction that it has been reported except as necessary to fulfill the official duties ofsuch officer or employee.

Section 352: Anti-Money Laundering ProgramsRequires financial institutions to establish anti-money laundering programs, which at a minimum mustinclude: the development of internal policies, procedures and controls; designation of a compliance officer;an ongoing employee training program; and an independent audit function to test programs.

Section 356: Reporting of Suspicious Activities by Securities Brokers and Dealers; Investment CompanyStudyRequired the Secretary to consult with the Securities Exchange Commission and the Board of Governors ofthe Federal Reserve to publish proposed regulations in the Federal Register before January 1, 2002,requiring brokers and dealers registered with the Securities Exchange Commission to submit suspiciousactivity reports under the Bank Secrecy Act.

Section 359: Reporting of Suspicious Activities by Underground Banking Systems

This amends the BSA definition of money transmitter to ensure that informal/underground banking systemsare defined as financial institutions and are thus subject to the BSA.”

This is also why dnb teamed up with transunion to have access to consumer informationwhich allows them to be covered by the statute at minimum cost. Next, the iupdate wasborn to help funnel the personal information to transunion making it a mutually beneficialarrangement. Dnb gets access to personal reports, and transunion gets access to newpersonal and business credit profiles seeing that they have their own business creditdivision. Most people mistake this for a personal guarantee. Yes in many cases a softpull is performed but it is only for the purpose of identification. The problem out therethese days is that the scammers arent as educated as they should be. Our position iswith enough knowledge there is no need to scam. If you actually know how to performthe services, and you charge a fair amount everyone will be happy.This will also help toserve as updated information for these blogs, and forums.Most of these are people thatactually either run their own businesses, or have a full or part time job. The majority ofthese website bloggers dont do this professionally or they would see how people aremisled and would start a service to help.They certainly would not continue to perpetuatethe same myths. This is the problem with the internet credit companies or gurus.Theones that actually know what they are doing cant be found on a blog or forum. Witheverything we are outlining and detailing how would they even have time? Please dontbe fooled by these people. Yes you can get funding, but you have to at least have abusiness first.Most of what we explain is the how's and why's. There isnt much"spendage" in these techniques. The majority of these steps require only paperwork.Even when it comes to secured loans or CD's, the money is still there and has only beenmoved around.

As i dig deeper into the steps of this mission, i will concentrate primarily on experiantrade lines. These trade lines will be more valuable then trades from dnb. Thistechnique actually covers both bureaus by default later on. Below is my list of starter netaccounts. Starting out i would not need any other vendors besides these.

Step12) Apply for a fedex office account. (Experian)(https://cidonline.kinkos.com/LandingPage.jsf;jsessionid=Kp92NJXVNvcR9kzzf2BGJ0z0JqSY1vpYLysp2bnsyYN7D8npw9Ls!1109290149)

Step13) Uline order (experian/Dnb)

Step14) reliable order (Experian/Dnb)

Step15) grainger order (Dnb)

Step16) Gemplers (Experian)

Step17) Quill (Experian)

Step18)Tech depot (Experian)

Step19) Delta skybonus (http://skybonus.delta.com/initRegisterStepTwo.sb) (Amex

database)

Step20) Amazon account (not the credit account just the registration)

I would time my net 30 orders towards the end of the month no later than the 25th. Byproperly timing my purchases i can get them to show up on my business credit reportwith 2-3 weeks. Because two cycles are required in order for the posted trade line to beclear, i can get two trades to post within 45 days. When i two cylces, im describing theinitial trade posting that shows what you owe, then the second posting showing you paidwhat you owe. Many people make huge mistakes when it comes to reading the tradelines. They usually attempt to fill out credit applications as soon as they see the tradeline on their report. Most dont realize that it simply states that you were granted creditand shows what you owe.

Another mistake most make is not making a second or third order with thosevendors. Repeat orders are also important because its the only way to show a payingrelationship with a vendor. A bunch of random trades with each one reporting only onceis not more valuable than one vendor reporting three times. Im going to walk youthrough to the cash card stage. Anything after that is pretty much wash,rinse,and repeatfrom there. I am going to simplify it as much as possible.

Before we get into that i have to take a second to go over the other end of thespectrum. Once you find a decent bank of credit union that will play ball with newbusiness owners, You simply stay the secure loan or line of credit route until you meetheir unsecured standards. When it comes to banks, good relationships are critical. Ifyou are working with a budget it is very important that you leave the bulk of it in anaccount with the same bank. You also want to make your secured loans for as short aterm as possible so it coincides with the completion of the cash card side of things.Normally the unsecured bank loans fall into place slighty after the cash card phase.

From my list above, i only need five of the vendors not including fedex office. For thesake of this demonstration, i will stipulate that i have accounts with all of them. As i said iwould place my orders towards the end of the month with each vendor while using fedexto ship all of my purchases. That would get me nine trade lines in total (6 Experian/3dnb). I would make my first round of purchase at roughly $50 each (shipping would notmatter because im using my fedex account for that). I would pay off those purchasesafter one week. The reason being, it will be after the 1st of the month and the trades arealready submitted to the bureaus. i would then make my second round of purchasesbefore the trade lines even show up. These purchases would be roughly $70-$80 each.The reason i do this is so they are rounded up and reported as $100 purchases on mybusiness credit report. The delta sky bonus membership is only for the purpose ofgetting on the american express mailing list. Also note, office depot's rewardsmembership if for the purpose off getting on the chase mailing list.

After roughly 45-50 days i will be able to see most of my trade lines which would be 18in total(12 experian/6 dnb). The fact that i rounded the second set of orders up will affect

my credit score and ratings. It kills two birds with one stone. It takes care of the repeatpurchase as well as the second set of orders reporting as double the amount. Itautomatically gives me a paydex score on the dnb side, and low inquiries and "doubledigit" trade lines on experian's business credit report.

Close to the 60 day mark i am ready to shoot for revolving accounts backed primarilyby citibank. They back the majority of the department store revolving accounts:

Citi Credit Cards (Affinity credit cards issued by Citibank for other organizations):

AT&T Universal Savings Platinum Card Citi AAdvantage American Express Diner's Club CarteBlanche Card Diner's Club Charge Card ExxonMobil MasterCard Goodyear Credit Card HiltonHHonors Visa Card from Citi Home Depot Commercial Account Credit Card Home DepotCommercial Revolving Charge Card Home Depot Credit Card Office Depot Business Credit CardOffice Depot Credit Card (Personal) Sears Card Credit Card Sears Commercial One Credit CardSears Gold MasterCard Shell Credit Card Shell Fleet Credit Card Shell MasterCard Shell SelectMember Credit Card Smith Barney Citigroup Chairman Card Smith Barney Platinum SelectMasterCard Sunoco MasterCard

I would first use what we call a buffer account to test the strength of my file. A bufferaccount is a store card that is backed by citibank but an account you really arentinterested in. I would apply for a gas card such as exxon mobil fleet or shell fleet. If idont get the results i want from them i would wait until more tradelines clear up and thentry radioshack. After recieving a favorable limit from either, i would then apply to staplesand office depot.

Im sure by now everyone is aware of the visa and amex gift cards that staples andoffice depot sells. Im also sure people have heard from us that they will let you use yourwhole limit to purchase these cards. All of that is still very true to this day. For thoseneeding and extra boost in capital, you can always get a point of sale box from flagshipmerchant services to swipe your gift cards with(http://www.flagshipmerchantservices.com/privacy.htm). But with this company i will notpurchase any gift cards at this time. I will only make a purchase for $200 from each store.The reason for this is because i want my experian score as high as possible. For this imust keep the balances low and the ratios stable. These purchases will also be madetowards the end of the month for the same as the previous reasons. The next purchaseswould be for $300 each. I would then simply purchase gift cards to make the payments ina circle. If my bill is $300, i would not pay the minimum. I would buy $300 worth of giftcards and use that to pay my bill. That would leave me owing $300 for next month andwhen its due i just repeat the process with gift cards. This shows repeat purchases,lowbalances, and increase in amount spent.

My next move would usually be homedepot,dell computers,(call in the app)amazon.com(because I have enough experian trade lines to enter ge’s circle) and searscommercial one account. I would apply for a csi secured mastercard simply for the extrapost on my experian report.https://www.csi-businessmastercard.com/apply-online.html?card=globalsecurity . Thismethod will more than secure any cash card. citibusiness card is the easiest citibankbacked cash card. the requirements are not very strict at all.10 solid trade lines including four revolving accounts backed by citi is usually more thanenough. with the file I put together I can expect roughly $15k from citibusiness. this issimply due to the economy and banks being conservative. when I'm buildingcorporations they are usually custom made so they are tailored to the customersspecifications. if the customer wants a corp for longevity my next move would be lowesand sams club. because they are both backed by GE money bank. I should have no realproblems because I would already have an Amazon account which is also backed by GE.you always want to have some exposure with the underwriter before applying for a creditcard. for the client seeking short term funding I would only apply to sams discover cardafter citibusiness. they would give between $6k-$10k. so if we go with a total $25k that'snot much but its a start. this would be the time when I would drain my staples and officedepot accounts with gift cards. this is done a lot for real estate corps.the cash cards mixed with the giftcards gives the business owner a 10% position on a$350k piece of property. there are also times where I would do the same but instead usethe funds to power secured loans. a round or two of secured loans of $35k I can alwaysrepay the cards right back with the loan money. minus fees the money never goesanywhere. it is simply moved back and forth.

From this point i would either sell the business, or set it to the side and just keepmoving the money around and get an increase on all accounts just before i sell it. At thatpoint the tradelines and balances would have the business abosolutely perfect. If idecide to sell it i would have to carefully transfer ownership. You must give credit cardaccounts at least one cycle before you can tranfer them. Some credit card companieswill not let you transfer the credit without running the personal credit of the new owner.These are usually chase, and some hsbc backed cards. I usually stay away from them andlet the new owner apply for those after the transfer is safely completed.

The first step in this process would involve a mock shareholders meeting(on paper).This would be to take a vote on selling the corporation so that it is recorded in themeetings and minutes. Next the stock certificates would be signed over to the newowner. I would then have to update this information with the secretary of state via theannual report. Next i would backtrack through all of the net accounts as well as thelistings, changing the name of the principal on the account while removing myinformation. I would instruct the new owner during this process to set up a phone line inthe business' name so i can go back through and update the phone number and contactinformation. At the beginning of the process i would ass the the new owner to the creditcards, and wait until the end to remove myself. I would login to the account and changethe ownership information a little bit at a time. I would have to update the informationwith ccr,orca, and dnb. I would also have to login to experian business' website and

update the information they have as well using the link below.

(http://www.businesscreditfacts.com/pdp.aspx?pg=SearchForm&lsv=www)I also have to mention, before i do all of that i would instruct the new owner to apply for atax id(ein). Any where within the different listings and registration that require one iwould change it to the new one. This step insures that i am not liable for anything thenew owner does. Although it will have a frsh tax id, the duns number and experian filewill remain untouched.

After all of those steps are completed i would give it a thorough look to make sure iam not liable in any way, and that ownership is clearly defined. It can be a bit of work butits all mostly just paperwork. I would sell a corp similar to this for $8k give or take.

Dun and bradstreet Uses unethical as well as illegal tactics against small businessowners. Sometimes if you dont pay for their products they play games with your

tradelines. Yes they frequently hold trades. Their services are the way they make theirmoney. No one really buys reports anymore. They want very desperately to get into the

consumer credit field but are locked into the business credit model. Plus they are aworldwide company. The financial stress score on their own company is high risk. i have

pulled their file before.They use timeshare salesman techniques to force you to paymoney. It is illegal as well as unethical but they are 160 years old so it will take alot to

fight them. Knowing how they operate is the first step.

NOTES:

Only pay for dun and bradstreet products when using them strategically. Other than thatthere is no reason to pay for their services.

The d&b DNBI trial is very useful if they are still offering it when you recieve this ebook.At last check the trial code gave an error. If so it is a good way to pull your file for freefor 15 days. You may also add qualified trades to your account. In the example above,had the trial promo code worked i would have used it as well to speed up certain tradesif a short sell was my goal.