HOW TO CREATE A CPN & MORE INFORMATION NEEDED

NUMBER ALLOCATIONS (THE FIRST FIVE DIGITS)

Before anything you must know how to create the number you will be issuing. Below is a list of the first five prefixes
needed to create a legal CPN/SCN number -

The chart below shows the first 3 digits of the social security numbers assigned throughout the United States and its
possessions. The same area, when shown more than once, means that certain numbers have been transferred from one
State to another, or that an area has been divided for use among certain geographic locations.

SSN Area Number Location

001-003 New Hampshire
004-007 Maine
008-009 Vermont
010-034 Massachusetts
035-039 Rhode Island
040-049 Connecticut
050-134 New York
135-158 New Jersey
159-211 Pennsylvania
212-220 Maryland
221-222 Delaware
223-231 Virginia
232 North Carolina
232-236 West Virginia
237-246 Not Issued
247-251 South Carolina
252-260 Georgia
261-267 Florida
268-302 Ohio
303-317 Indiana
318-361 Illinois
362-386 Michigan
387-399 Wisconsin
400-407 Kentucky
408-415 Tennessee
416-424 Alabama
425-428 Mississippi
429-432 Arkansas
433-439 Louisiana
440-448 Oklahoma
449-467 Texas
468-477 Minnesota
478-485 Iowa
486-500 Missouri
501-502 North Dakota
503-504 South Dakota
505-508 Nebraska
509-515 Kansas
516-517 Montana
518-519 Idaho
520 Wyoming
521-524 Colorado
525,585 New Mexico
526-527 Arizona
528-529 Utah
530,680 Nevada
531-539 Washington
540-544 Oregon
545-573 California
574 Alaska
575-576 Hawaii
577-579 District of Columbia
580 Virgin Islands
580-584 Puerto Rico
586 Guam
586 American Samoa
586 Philippine Islands
587-665 Not Issued
667-679 Not Issued
681-690 Not Issued
691-699 Not Issued
700-728 Railroad Board**
729-733 Enumeration at Entry
750-772 Not Issued

You can also go to http://www.stevemorse.org/ssn/ssn.html (Decoding Social Security Numbers in One Step) This is a
great site to work with and it is 100% FREE of charge !

To find specific years between 2003 through 2011 - You can go to http://www.ssa.gov/employer/ssnvhighgroup.htm -
This will help you to choose the 2nd set of numbers in the CPN - Once you have chosen the first five numbers you want
to use, you pick the last four !

Now the last four are completely up to you ! You can pick 481-51 (Iowa) and then choose 9873 as the last four - But
here is the tricky part - In order to make sure that this number is 100% clean and does not belong to ANY LIVING OR
DEAD PERSON - you must first skip trace this number - This involves using a software that allows you to do so !

You cannot go to SSNVALIDATOR.com and do this - This site is strictly for making sure the number you choose is not
in the SSN DEATH INDEX - IT IS FOR NOTHING ELSE AT ALL !

You can check numbers by going to the following places :

1. SSA Business Services - http://www.ssa.gov/bso/bsowelcome.htm (You must register)

2. Search Bug - http://www.searchbug.com/peoplefinder/verify-ssn-free.aspx?TYPE=ssnv&SSN=539739783 (You

must register for a business account)

3. Strong Tower - https://www.verifico.com/app/strong-tower/cpn-ssn-validation/971?s=direct (THIS IS THE BEST

WAY TO CHECK THEM)

Now once you get the report back that the number does not belong to anyone, this includes a child - Then you are good
to go and start building on that number . If it comes back as belonging to someone, then you MUST throw it away and
try another number ! Now you can still use the first five numbers - But you MUST change the last four !
Once you have succesfully created your new CPN number - Now you can go and register it with IRS (Please see
attachment "How to register your CPN with IRS)

Once you have done this step with IRS, now you MUST do the following :

TRIMERGE YOUR NUMBER - (Attach your personal information to the CPN)

https://www.americanexpress.com/us/credit-cards/?intlink=USHP-LFC-PersonalCards-Large

just fill it out, and hit submit - Does not matter what you put as long as the CPN information is in there ! After this is
done - you MUST wait 72 hours (3 DAYS) to do anything -

Go to DriveTime.com and fill out the "GET APPROVED" Application.

Go to Etrade and open up an Etrade Personal Checking account - It is VERY SIMPLE TO DO... This gives you a bank
account that you can use freely to pay anything you do with your CPN.

I also 100% recommend do these items below, this will make your profile strong ! The first one is a DEFINITE !

Go to https://rentalkharma.com/enroll-discount/?nabe=5527811243638784:1 and fill out the application - There is a

$25.00 fee - this will report up to two years of rental history on your profile which generates a great score ! Make sure
you have someone (Family or friend) that can verify the info for you ! Again this is an EXCELLENT EXCELLENT
IDEA for those who want a real fast score !

CapitalOne.com and apply for the secured card. It is a small $49.00 to get it ! This is one of the best ways to get that
primary line reporting in the next 7-10 days !!

Myjewelersclub.com - There is a $99.00 one time fee for a $5000.00 line of credit that reports to all three credit bureaus.

CrownJewelers.com - Be sure to use an active email as your $2500.00 approval goes to the email you put in the
application - You buy one small thing, less than $20.00 and you get a $2500.00 line of credit that reports. !

Again I highly recommend everyone doing at least two of three above !

ONCE you have done all these steps and generated a score for yourself or the CPN - NOW you can add tradelines or
start applying for credit cards -
THIS IS TO BE SENT TO YOUR CLIENTS AFTER YOU ISSUE THEM THEIR NUMBER

CPN INSTRUCTIONS

You must take better care of THIS CPN/SCN number than

you do your OWN SSN!!!
Read this whole instruction manual/agreement completely.
If you default on any loan or agreement while using your
CPN/SCN number, you will be committing a Federal Crime
and could go to Prison!!

Hello! Purchasing a CPN/SCN number can be one of the most freeing and best decisions
of your credit life. Having a CPN is a huge responsibility, but the rewards for developing
a strong CPN and taking care of it are worth it! With this number you are not only given a
“second chance,” but when you have “fixed” your SSN Credit profile, you may continue
to use this number. The CPN can add an extra layer of protecting, allowing you to keep
your SSN safe from fraud.

What is a CPN/SCN???
You may have made this purchase really not knowing what you were getting into. Or
maybe that was just me. The CPN is a nine-digit identification number that looks like a
social security number (SSN) and may be used in lieu of an SSN, for such purposes as
obtaining credit.
According to the Privacy Act of 1974, one has the legal right to keep his/her SSN private.
In certain circumstances, consumers are required by law to disclose their SSN, such as to
the Internal Revenue Service, employers, when registering a motor vehicle, buying a
firearm, or applying for a federally insured loan. In other circumstances, federal law
allows consumers to legally use a separate identification number, hence the opportunity
to establish a CPN for a credit file.
CPN’s are commonly used by celebrities, members of Congress, and witnesses protected
by the federal government to help protect their privacy and security. And, people like you
and I.
IF your number is Randomized or Had shown “Unissued” by SSNValidator.com, these
numbers may be good for only 7 to 10 years. Make plans.

(Keep reading)
OK, for the sake of argument, for the rest of the time I am going to assume that you’ve
done some research on this handy little number. That you also know the major in’s and
out’s of it. But just in case, I will use this booklet to go over the most common questions,
usability, and LAWS regarding the CPN. This is NOT an all inclusive manual on the
CPN/SCN, and you the consumer MUST do your own follow-up research to make sure
you are complying with Local and Federal Laws.

First off, this is not an “ignore all my previous debt’s” card. Or a get into more credit
trouble card. If you receive ANY credit, loan, cars and such with your CPN/SCN number,
and you do NOT pay any of your debt back under this number, you will be committing
fraud. You can find yourself in a very uncomfortable situation, in jail and/or in a Federal
Prison. I know we’re coming on strong, but there is a need to. Some think that they can
get away with “burning files,” or “burning numbers” and not get caught. That is the
wrong way to think. It is that vain of thinking that will wind you up in Prison along with
other people we know. Yes, WE know people that are doing hard time for burning
numbers. They took out loans, made agreements and did not satisfy the debt. Now, they
have lost their freedom. Imagine what that would do to you, your family, your name!
Before you make a foolish choice, and think you can out smart our Federal Government,
the FBI, and the Financial Institutions, THINK! They have better programs and more
man power to find you. And, if you are a file burner, they will find you. Not today, and
maybe not tomorrow, but they can and will find you. And if the Law comes to us about
you, we will do the right thing.

PS: Fix your SSN Credit to. Do not neglect it.

OK, enough with the heavy. For those of you who’s intentions are right, your life is going
to get better! My partners and I have spent many years using and researching this
amazing little number! With this number you can start a whole new credit life. You can
rent in a safe neighborhood. Drive a decent car. You can get the credit you need. You can
hold your head high once again!

Let’s face it; most of us have dropped the ball credit wise. And now you’re in a pickle. So
in order to get a car, rent a safe home, get a simple credit card, you need good credit!
There is no way around it! And as you know, that short of committing fraud, you are not
guaranteed that 100% of the negative items will be removed with ordinary SSN credit
repair.

The CPN number will allow you to build a credit profile in a short amount of time.
Depending upon your budget, you may have 700 to 800 scores in as little as 30 days!

After you have repaired your SSN and satisfied all that debt, you can use your CPN
number as a shield to protect your SSN. This is what many Celeberites do in order to
protect their identity. Again, we always insist that you fix and repair your SSN. It is
important to do so. The SSN is your way to have a better job, and purchase a home. And
if need be, receive government help from time to time. These are things that you cannot
use your CPN for. You must use your SSN, and you may be turned down for help
because of bad credit. Fix your real credit.
Keep the information for your CPN separate from your SSN and your SSN info separate
from your CPN info. If not, you will cause your files to merge, and if your SSN is in
rough shape, this will harm your CPN. And did we mention we strongly recommend that
you use your CPN to work on your SSN, through Credit Restoration and paying off any
outstanding debts?

There is important information in here, and you need to know it. I know that this booklet
is lengthy and can come off strong at times. You also need to do more research on your
own, as this booklet does not cover everything. This booklet is only a rough out line of
the basic do’s and dont’s. Trust me when I say, we have your best interest at heart. We
know what can happen if this number is misused. But we also know what can happen if
this number is used and built correctly! FREEDOM!

Thank you for purchasing our product and may God bless you as you honor and keep
your commitments!

This list below is the information you will use along with the CPN information. Place it
on a card and keep it in your wallet or purse for reference.

1. Name
2. DOB
3. Grandmothers Maiden name. (Different from Mothers)
4. Email Address
5. Phone Number (for Tri-merge, use a Google Voice Number or similar FREE number)
6. Mailing Address. No PO Box, UPS Stores or Mailbox etc., or anyone you’ve used as a
reference under your SSN, or have used YOU.

Do not use the same information from your SSN (other than your name and DOB) on
your CPN information. Ever.
 (Keep reading)

STEPS:
1) Tri-merge (Skip this step if your CPN/SCN has already been tri-merged)
2) “Unghost”/Indexing
3) Add AU’s/Primary’s
4) Apply for Credit
5) USE WISELY. Enjoy life and your new credit profile!!!

Before you Tri-merge, this is some of the info you will use:
CPN Employment:
Your employment will always be Management If you do not have an valid employer to
use, and your income will always be between $55,000 and $85,000 per year for
Tri-Merging. This is done in order to test and establish the number.
DO NOT use current employer.
For length of time at employment, put 5 years, 5 months (unless you are not old
enough to, then please use 3 years, 3 months) Same goes for length of time at
your residence.

Tri-merge Housing:
You can rent or own and your payments or rent will always be $500 per month and you
will have lived there for at least 5 years 5 months. You can slightly change the amount of
your housing payments if you like, but I wouldn’t go too far over $600 or go under $450.

***We are not asking you to commit fraud by having a different address and such. Or that you state a
certain amount for income. These are steps in to keep your CPN separate from your SSN and what works
best to “activate” your CPN.***

(Keep reading)

These are the steps to take to make a strong CPN:

Tri-Merge Instructions: (Skip this step if your file is Tri-merged)

1) Go to roadloans.com Fill out the application that you are Purchasing a auto.
Either use the CPN address or choose that you have not chosen a house. WAIT AT
LEAST 24 HOURS.

2) https://services.quickenloans.com/clientinfo/ql?cid=332593049413104&ql
This takes about 3 days to complete. Fill out the whole application with the information
given. If you choose Quicken Loans, fill in that you need a refi. Take the time to “Chat”
with them and ask if you are approved. Wait for about 3 days before you apply for credit
or apply AU’s.

3) OR
https://www.bankofamerica.com/home-loans/mortgage/applying-for-mortgage-loan.go

These initial three steps will assign the CPN under your name and CPN address.
Wait 72 hours.

***NEXT, go to CreditKarma.com and set up an account. If it comes up that you

cannot be given a score because of a “thin file,” your number is good. Make sure your
number has been tri-merged. It’s easy and the steps are listed below. If it still does not
work, contact your broker. We will fix it or generate a new number for your.****

****From this point you can add an Authorized User (AU) and/or a Primary Tradeline. If you are adding
an AU or Primary and are over the age of 25, WAIT until you sign up for Creditchecktotal.com until
AFTER your AU/Primary provider says that the line(s) are added. The reason being, most adults over the
age of 25 do not have a blank credit profile and there could be difficulty making your CCT credit update.
Also, if you are trying to get funding, you will want to purchase 2 to 3 AU’s, as you will need THREE lines
for any REAL funding.****

READ FURTHER ON HOW TO UNGHOST OR INDEX YOUR NUMBER

(Keep reading)
IF YOU PLAN TO TAKE YOUR CPN TO LENDING OR WANT TO MAKE IT
STRONGER, DO THESE NEXT STEPS BEFORE YOU APPLY FOR ANYTHING.
With all of the fraud that has been committed using CPN’s, Banks have developed
systems on how to “sniff” out a CPN. We have some of the best methods on making your
number look like a real person is behind the number. And that is what you are. These
steps will index your CPN number and/or CPN address so you're not a “ghost.” You do
not have to do these steps. But in our experience, if you want a solid CPN that you can
use for many many years, this is the route to go. If not, there is not even a gurantee that
you’ll be able to get a credit card, or credit monitoring site.
AND these additional steps could make the difference between you receiving your loan
or not. Is this a guarantee? No. There are NO guarantee when it comes to lending and
CPN’s. But your chances are greater for success if you follow these simple steps.
1) Get a prepaid phone through either Verizon or ATT. CALL them to register it.
2) Go to http://www.listyourself.net/ and register your CPN Address, your Prepaid phone
number and email
3) Go to your local grocery store and sign up for their club card.
4) Sign up for these magazines: Time, National Enquirer, Esquire and such
5) Get a hunting and/or fishing license.

Now your CPN is ready to:

1) Add an AU (Authorized User) and/or a Primary Tradeline (You can do this while or
before you index your number)
2) Go to Kohls online, and apply for the card that has the high interested. Your initial
credit should be $300. If you add an AU first, chance are your credit line will be higher.
Still no guarantee. Please ask your broker which one if you're not sure. (See instructions
below)
3) After you have name your FIRST payment on your Kohls card, and/or your primary
trade lines have posted, carefully apply for Fingerhut, Capital One, Credit One, Discover.
Space it out. Don’t do it all in one day. Every few weeks or once a month. Don’t rush it.
4) Do not over apply.
5) KNOW the law. We are not responsible for ANY mis-use of your CPN/SCN number.

(Keep reading)
This is what you may use your CPN for:
1) Credit Cards
2) Automobile Loans
3) Rentals
4) Loans
5) Checking Accounts. Non interest bearing

What the CPN is not to be used for:

1) Mortgages, unless it is a private mortgage
2) Employment
3) Anything interest bearing
4) Government programs such as Food Stamps, Section 8 Housing, and such like.

You also cannot use this for:

1) Tax purposes, to include employment
2) Any Government programs such as food stamps and such
3) Any type of mortgages other than PRIVATE mortgages
4) Any interest bearing accounts that you would pay taxes on.

In a nutshell, pay your bills, stay within the law, know the law, and you’ll be fine. And
while you’re at it, talk to your agent about credit repair. It would be wise to have your
SSN Credit tip-top also.

And most of all, HAVE FUN!! ENJOY YOUR NEW FOUND FREEDOM!!!

Thank you for your business!!

(Keep reading)

Hints, Q&A’s and Laws on the following

 pages
PLEASE READ THE FOLLOW PAGES
FOR MORE INSTRUCTIONS, LAWS AND
POINTERS.

This program is not intended to be used as a method of defrauding banks, creditors, or any other
Organization that requires your social security number as identification. This program is not a method to
avoid paying your existing or future debts. If you created the debt, you are responsible to repay that debt.
However, we will not support, facilitate, nor condone any fraudulent activity. The information here is
informational purposes only and for you to use at your own risk. We are not lawyers or any legal services.
Nor are we licensed financial advisers; and any information given is purely what we’ve seen work, and is
our opinion on how to properly use your CPN/SCN Profile. Please consult your local and national laws for
more information. Please do your own research.

We have a non refund policy because of the work needed to give you the info IF your number is not
“working,” contact us, we will validate your claim, and we will generate a new number at no cost for the
first one.

FURTHER INSTRUCTIONS AND GUIDELINES

This is some of the SAME information as above.
This chance continually. We cannot always keep up. What worked yesterday may not work
today. We cannot do ANYTHING about this.

1. If your birthday was changed because you previously had the credit cards that
were specified on the application, you will change it back to your real birthday
after doing the cap one application. This means that for step #2 you will use
your real birthday. This will then update your credit file to reflect your
birthday after the second application.
2. INSTUCTIONS FOR CAPITAL ONE Apply online. When you receive your Cap
One card, go online to www.capitalone.com/activate and enroll online.
Do NOT call to activate the card.

Once you do activate please follow these steps (THESE STEPS ARE GOOD TO
FOLLOW WITH ANY CARD):
1. DO NOT go and pull money off the ATM for your first transaction. (they will
freeze your card)
2. DO NOT spend your entire limit in one day. (they will freeze your card)
3. Spend a small amount and make a small payment! To make a payment, I HIGHLY
suggest using Moneygram to do so. You will use the code 1013 + your 16-digit
card number. Do NOT go online and pay using a credit/debit card that it attached
to your SSN- they will freeze your account and your CPN and SSN will LINK. I
also suggest applying for a prepaid card with Rushcard.com using your CPN
information, so that you may use this to pay for anything CPN-related.

***The method I’ve personally have used, is to set up a bank account online, make
with the initial deposit with the above methods, and then pay all my CPN debts through
that bank account. Do not go to a bank that you are currently with or currently owe
money to.
Wells Fargo, US Bank and Bank of America are great institutions to do business with.
Do right by them and they will take care of you. ****

4.Wait a full billing cycle and go online to check to make sure that Khols or Cap One or
your other cards have posted. Use Credit Check Total to see whether it has posted. You
will have to pay. Deal with it.

5.Once you are approved by Kohls, wait until you use the the card/account and
make a payment before you can apply for Capital One, Credit One or the Discover IT
card. You will want to either call or go online to apply. If you are younger than 24, you
will want to apply for the Discover IT for Students credit card.

****American Express is the most difficult card to get. If you do not have supporting
documentation that they will want, don’t apply. They will ask for ID, SSN card and
such. You’ve been warned. Do any of the above steps wrong, and the other banks will
ask also. ****

6. Just remember that your CPN is NOT just for credit cards! Once your credit
file is where you would like it to be, you can obtain an apartment, cell phone,
utilities, personal loans, payday loans, bank account, auto loans, business
loans..... It is up to YOU what you do with your new file! Do NOT apply for more
than ONE credit line per week.

(Keep reading)
** I cannot stress this enough: Your credit file is BRAND NEW. Do NOT apply for one
card after the next. I only recommend one application per week, and you MUST wait for
things to post to your credit file before moving on to the next step. You will want to
have 3 credit lines on your file before you move onto other lines.

You may also try these services to build credit on your new CPN:

Fingerhut may give you a line of credit of $180 or more. You may be required to put
down $30. Make sure you don’t use any cards that have your SSN attached to it.
www.huttonchase.com
They will give you a $1800-$2000 limit
www.crownjewelers.com
They will give you a $2500 limit
www.myjewelersclub.com. they will give you a $5000 limit
www.oxpublishing.com, they will give you a $3500 limit
www.masoneasypay.com , not sure of the limit with these people but it's a free Tradeline
http://www.leaseville.com they have computers , cameras lots of electronics and will
approve anyone

Straight from the FBI website:

Remember the SCN/CPN is solely for credit purposes only. Currently, federal law
allows individuals to legally use CPNs for financial reporting and protects
those individuals who do not wish to disclose their SSAN. Individuals who
acquire CPNs are completely responsible for any debt they incur using this
number.(http://www.fbi.gov/stats-services/publications/)
Legality of CPN:
Presently, federal law allows the ability for someone to legally use a private
ID # for financial reporting
purposes instead of a Social Security Number.
Title 5, Section 7 of Publication Law 93-579 of Government Organization and
Employees Act:

(a) (1) It shall be unlawful for any Federal, State or Local Government Agency
to deny any individual any right, benefit, or privilege provided by law because of such
individual's refusal to disclose his or hers Social Security Account Number.
What this means is Federal Law protects those who do not wish to disclose their
personal information (SS#) except where required to do so. Disclosure of your social
security number is only required when dealing with the IRS, your employer, or when
applying for a federally insured mortgage.
Instead of a Social Security Number, you now have the opportunity to establish a Credit
Privacy Number (CPN).
A Credit Privacy Number is a new 9 digit number established for financial
reporting purposes. This number is NOT a new social. It is simply an available file
number at the credit bureaus that can have financial information reported. You have the
right to establish this number only once, so do not abuse it.

The bureaus or the IRS can take part in this process to establish your CPN. YOU
ARE LIABLE FOR PAYING BACK ANYTHING THAT IS BORROWED with this
new CPN.
Further, in example, congress holds special privileges to the law; therefore,
their privacy needs to be protected. In another example, witnesses under protection can be
located if they use their true social security number for transaction. This is the reason why
there is the existence of a Credit Privacy Number program. Reasons are not limited to the
previous, so why shouldn't you have a CPN?

Members of Congress plan to reintroduce a bill to restrict the availability and

use of Social Security numbers, hoping the effort will reduce identity theft. A Social
Security Subcommittee Chairman by the name of E. Clay Shaw, announced at a July 11
hearing that he and subcommittee ranking member Robert Matsui, plan to unveil
legislation to restrict the sale and public display of Social Security numbers, establish
penalties for violations, limit dissemination of numbers by credit reporting agencies,
make it more difficult for businesses to deny services if a customer refuses to provide
their social security number. The goal is to improve the integrity of the Social Security
number assignment process.

"Congress must act this session to protect the very number it requires each of
us to obtain and use throughout our lifetime," said Shaw.
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(keep reading)
Q: Why do these organizations insist on requiring your social security number to
identify you?
A: Because we allow them to! The sole purpose of your social security number is
for tax and social security use ONLY!

The law states that No federal, state, or local government agency may deny you
any right, privilege or benefit due to your refusal to provide your SS # for any other
reason than producing money for retirement account with the Social Security
Administration, the IRS and your employer today.

Credit Bureaus are not legally allowed to "require" your Social Security Number.
In our country's present credit reporting system a person may be assumed guilty and then
must expend a great deal of time and resources to prove his or her innocence.
Additionally, once a negative item is in a credit file it may remain long past the 7 year
time period most people believe is used. Additionally, a misreported item can show
up in a credit report multiple times.

Q: What Will My New Credit Score Be?

A: Your new credit file will be completely blank, and it will take the acquiring
of credit accounts and
credit history to attain a new credit score.

Q: Am I still responsible for all my old debts?

A: Yes. You are still completely responsible to handle all of your prior debts.

Q: Is this a second social security number?

A: No. Your new nine digit credit profile number will not be used for any
government interactions.
Employment, Drivers License's, Welfare, and any other social welfare was meant
to utilize your Social
Security Number to gain benefits.
Q: Can I use this number just like a Social Security Number?
A: No. This number is for credit purposes only and is not to be used for the
following: Military, Child
support, DSS income, SSI, taxes, FHA, VA, or any government programs or funding.

Q: What Can I Use With My New Credit Profile?

A: This new credit profile can be used for credit purposes only. It can be used
for attaining credit cards,
car loans, mortgages (private party only), personal unsecured loans and more.

Q: What can I use my new CPN OR SCN Number for?

A: You can use your new CPN Number / SCN Number for any credit reporting purposes.
Use it to opening a bank accounts, credit cards, personal loans, auto loans, apartments,
utilities, cable, cell phones, etc.
Q: Am I responsible for the debts on my old report?
A: Yes! You are responsible for all debts on your old report and debts incurred with your
CPN Number / SCN Number. You must remember that while you are rebuilding your
credit, you must use your new number wisely.
Q: Is CPN Number / SCN Number Number are legal?
A. Yes. Go to "Is This Legal" page on our website for more info.
Due to certain rights guaranteed by the 1974 US Privacy Act Title V (View The 1974
Privacy Act), federal law allows the ability for someone to legally use a private ID # for
financial reporting purposes instead of a Social Security Number. Title 5, Section 7 of
Publication Law 93-579 of Government Organization and Employees Act:
…(a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny
any individual any right, benefit, or privilege provided by law because of such
individual’s refusal to disclose his or her’s Social Security Account Number.
The law states that No federal, state, or local government agency may deny you any right,
privilege or benefit due to your refusal to provide your SSN for any other reason than
producing money for retirement account with the Social Security Administration, the IRS
and your employer today. Credit Bureaus are not legally allowed to “require” your Social
Security Number. In our country’s present credit reporting system a person may be
assumed guilty and then must expend a great deal of time and resources to prove his or
her innocence. Additionally, once a negative item is in a credit file it may remain long
past the 7 year time period most people believe is used. Additionally, a misreported item
can show up in a credit report multiple times. Credit bureaus are private companies and
are not affiliated with the government in any way, whatsoever. Although, the credit
bureaus would like you to think otherwise.
Q: What will my new FICO be?
A: Any new credit file which is automatically crated by the credit bureaus computer will
be blank. You will need to reestablish your credit, by applying for credit cards and other
lines.
Q: What does the law say about credit and financial matters?
A: Title 5 of the United States Code Annotated 552(a) known as the Privacy Act, ruled in
part: "Right to privacy is a personal right designated to protect persons from the
unwanted disclosure of personal information." - CAN Financial Corp vs. Local 743, D.D.,
I11, 1981 15F. Sup. 943, I11.
(A)(1) "It shall be unlawful to deny any individual any right, benefit, or privilege
provided by law because of such individuals refusal to disclose his or her social security
account number".
Pub. L 93-579: (B) "Any Federal, State, or Local Government Agency which requests an
individual to disclose their Social Security Account Number shall inform that individual
whether the disclosure is mandatory or voluntary, by what statutory or other authority
such number is solicited, and what uses will be made of it."
The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan
based on reasons that have nothing to do with your credit-worthiness.
Q: How does this program work?
A: By understanding the law and applying credit re-establishment techniques, our proven
techniques specializes in the establishment of credit through a completely separate and
legal entity. With your new completely and separate legal entity, you will be able to build
a new credit-worthy profile.
Q: How fast can I get credit through my new legal entity?
A: As soon as your new CPN Number / SCN Number has been assigned to you, your new
credit profile is created and you can start applying for credit. .
Q: Can I use the CPN Number / SCN Number to open Bank Accounts and apply for
personal loans?
A: YES

Q: Can I use the CPN / SCN on credit card applications?

A: YES; You can use your new credit profile obtain major credit cards, department store
cards, gas cards, auto loans, bank loans, real estate, and any other type of financing you
desire.
Q: Can you use the CPN Number / SCN Number for mortgage?
A: NO
Q: Can I use CPN Number / SCN Number for employment?
A: NO
Q: Will my current credit profile get mixed in with my new credit profile?
A: The only way your new credit profile can get mixed in with your old in our program is
by willingly disclosing your old credit profile information with your new one

So again: Pay every debt you incur, be upfront, do not commit fraud, do not use your
number for any government loans or programs and you’ll be fine!

And have FUN!! Enjoy your new freedom and life!!!

If you have any questions pertaining to the use of a CPN/SCN, please do not
hesitate to ask me. If we can answer your question and help you, we will!

Thank you for your business!

If your questions have not been answered above, we recommend you do your own
research. Please use your CPN/SCN wisely and responsibly. We assume no liability for
use or misuse of YOUR CPN/SCN. You have been give the basic guidelines and
instructions and have been given further advice to bring yourself up on the current
laws concerning CPN/SCN numbers.

This program is not intended to be used as a method of defrauding banks, creditors,

or any other organization that requires your social security number as identification.
This program is not a method to avoid paying your existing or future debts. If you
created the debt, you are responsible to repay that debt. However, we will not support,
facilitate, nor condone any fraudulent activity. The information here is informational
purposes only and for you to use at your own risk. We are not lawyers, legal
Services or Licensed Consultant. We have a strict no refund policy because of the work needed to give you
the info.
HOW TO REGISTER YOUR SCN/CPN

As you may have learned already, there are many benefits in having a CPN. You are able to build a whole new credit
profile, and protect your SSN. With this new credit profile you’ve been able to apply for and receive credit cards,
vehicle loans, and maybe even consolidated some debt.

But what if I told you, you can take this to the next level? What if I told you, you could purchase property with your
CPN? I know, we told you you cannot do this. And that is true. Not with the CPN itself. But like anything, there is a
way.

If you’ve been taking care of your CPN and building it properly. And by taking care of it I mean, paying your bills on
time, not over spending, keeping your DTI (Debt to Income) ratios in check, you’re living within your means. And
you’ve also have either added Primary Trade-lines, or you’ve made your own. Either way, your file is now strong. With
a strong CPN File, you can use it as a PG (Personal Guarantor). As a PG you can back a new business, old business, OR
back a mortgage loan. But first, you must register your name and new CPN with the IRS.

STEP 1:

Go to the IRS website: https://sa2.www4.irs.gov/modiein/individual/index.jsp and click “Begin Application.”

Make sure you have all of your information present with you. You have a limited amount of time to complete this.

SELECT YOUR BUSINESS TYPE:

Corporate Users select your business type and proceed by clicking continue
Personal Use CPN’s selecting Sole Proprietor or Partnerships are preferred. Be aware that one one (1) sole EIN can be
issued; so if you previously had a sole proprietorship EIN please proceed the Partnership Classifications.

Again, click Continue

You will select Partnership or Joint Venture. Choose what applies to you then click Continue.

***I’m not going to go through each screen as it will be very simple to understand.***

On or around Page 5, you will be asked:

Why is the Partnership requesting an EIN?

In most cases, “Started a new business” is the typical answer. Starting a Partnership with Yourself or Others where you
are changing or creating a new business name will constitute reason for generating a new EIN for your CPN.

Click to proceed.

Next you’ll be asked “Who is the Responsible Party?

If you’re attaching this EIN to an Existing Business you will need to know the Business Name and EIN in the following
screen; and your CPN will be attached to your existing business. Typically CPN’s will be attached to an individual; so
in the next screen you will need to enter your SSN to proceed.

Do not fret! You will not merge your SSN profile with your CPN profile. The IRS does not share this information with
the Credit Bureaus or Creditors.
Click to continue.

Follow the instructions by adding either your business name and EIN if you have one already. If not, add your name and
SSN.

Click to continue.

Enter your business address or other address.

Click to continue.

OK, pay close attention!!!

In the section: Tell us about the Partnership you will:

Legal name of Partnership: Enter the name you used for your CPN (fictitious or otherwise)

Trade name Doing business as: Enter your CPN Number here.

The rest is self explanatory.

***Do not over think it. It’s very simple.****

Click to continue.

The following questions are usually NO.

Click to continue.

Enter what you do or plan to do. (Just choose one.)

Click to continue.

Choose whether you’d like to receive your information by Email or Mail. Most people choose to receive your
information by mail.

Click to continue.

Save, print, print screen the information that will be given.

You have Incorporated your NAME and CPN. Your EIN allows you the ability to pay taxes on any interest or earning
that you’ve made under your CPN. Keep things legal and legit.

STEP 2:

Now that you have properly registered your CPN with the IRS you’ve opened up a new door. This is NOT an
exhaustive way to use your CPN and EIN number. YOU are responsible to learn all you need to know to stay within the
limits of the law. This is only to “jump start” you and get you going in the right direction.

If you plan on purchasing property with you CPN this is how:

You would fill out the Application like normal; as a business. Only in the SSN section you would use your EIN. The
name or name of the business would be “John Smith Inc.”
You may be wondering, where does the CPN play. Very simple. When asked to fill in the section on who is backing the
loan (Your PG), you fill in your CPN information. Too easy.

Don’t over complicate this. It’s very simple. Stay within the limits of the law and you’ll be fine. And please, pay your
bills.

If you have any further questions, please do not hesitate to ask.

This program is not intended to be used as a method of defrauding banks, creditors,

or any other organization that requires your social security number as identification.
This program is not a method to avoid paying your existing or future debts. If you
created the debt, you are responsible to repay that debt. However, we will not support,
facilitate, nor condone any fraudulent activity. The information here is informational
purposes only and for you to use at your own risk. We are not lawyers, legal
Services or Licensed Consultant. We have a strict no refund policy because of the work needed to give you the info.
 General Instructions for Registering in DUNS / SAM
If you have not previously registered in DUNS or SAM, read all instructions below before you register in these
systems.

IMPORTANT FACTS

1. All organization/entity information MUST BE IDENTICAL IN BOTH DUNS and SAM.

 You cannot enter one address for DUNS and then a different address for SAM. This will cause a
system error and result in significant delays.
 You cannot have unequal spacing between words in the primary contact information fields. Be very
precise when entering all data.
2. Certain internet browsers work better than others for navigating the SAM system. If you have technical
difficulties, read “Browser Settings for Optimal Use of SAM”:
https://inside.fws.gov/media/FinancialAssistance/Documents/Browser%20Use%20of%20SAM.pdf
3. Obtaining a CAGE or NCAGE code is an important first step in this process. Please scroll to the
“Definitions” section below for further information.
4. For SAM Customer Service, contact:
 Federal Service Desk: www.fsd.gov
 US Calls: 1-866-606-8220
 International Calls: 334-206-7828
 You may also contact your DIC point of contact
5. There is no registration fee for DUNS or SAM for any organization that is a (or is applying for) financial
assistance recipient of the US government, including contracts, grants, and cooperative agreements.
There are businesses that will assist in registration for a fee, but you are not required to make payment to
any DUNS representatives for purposes of contracts, grants, or cooperative agreements.

SAM INSTRUCTIONS TO READ PRIOR TO REGISTRATION

1. Go to www.sam.gov
2. Click on the “Help” Tab.
3. Click on the “FAQs” Tab, read the “SAM User Help” information.
4. Click on the “User Guides” tab, then the “Quick User Guides” tab below.
5. Read the “Quick Start Guide for Entities Interested in Being Eligible for Grants.”
https://www.sam.gov/sam/transcript/Quick_Guide_for_Grants_Registrations.pdf
6. Click on “Full User Guide” and download full instructions for completing SAM registration.
This guide contains step-by-step screen shots to assist in the registration process.
7. Also under the “User Guides” tab are “Demonstration Videos:”
 SAM Overview Video
 Register a New Entity in SAM to be Eligible for Grants and Other Federal Assistance
 Migrating Your Legacy System Roles
8. For SAM frequently asked questions (FAQs), go to: https://www.sam.gov/portal/public/SAM/
9. Once you have read through the formal instructions on the SAM website, you can use the instructions
below for basic reference when entering SAM organizational information.
10. If you are awaiting an assistance award from DIC, please email your Grant Specialist once you have
completed SAM registration.

BASIC INSTRUCTIONS FOR COMPLETING SAM ENTITY REGISTRATION

1. First, complete DUNS registration for your organization. See below for DUNS information.
 2. Create a Personal Account and Login
3. Click "Register New Entity" under "Manage Entity" on your "My SAM" page
4. Select your Entity type
5. Select "NO" to "Do you wish to bid on contracts?"
6. Select "YES" to "Do you want to be eligible for grants and other federal assistance?"
7. Complete "Core Data"
 Validate your DUNS
 Enter Business Information
 Enter CAGE code if you have one. If not, one will be assigned to you after you have completed your
registration. Non-domestic registrants must enter NCAGE code.
 Enter General Information (business type, etc.)
 Financial Info (EFT)
 Proceedings detail
8. Complete "Point of Contact"
9. The entity's registration should be active in 3-5 business days (10 business days for manual
validations.)

DEFINITIONS

DUNS Number
Dun & Bradstreet (D&B) provides a DUNS Number (a unique nine-digit identification number) for each
physical location of your business. DUNS Number assignment is FREE for all businesses required to register
with the US Federal government for contracts or grants.

If your organization does not have a valid DUNS number, you must request one using one of the methods
below. Regardless of the method used, requesting the DUNS number for the first time is free of charge. Please
be aware that requesting and renewing a DUNS number may take up to 30 business days.
 Via the DUNS website at http://fedgov.dnb.com/webform
o The DUNS website has information available in English only. Requesting a DUNS number is
free of charge.

 Via an international DUNS office:

http://www.dandb.com/international/
http://www.dnblatam.com/DUNSRequest/ESP_Contacts.asp

If your organization already has a DUNS number, please verify that it is valid. The DUNS number must be
renewed on an annual basis by either of the two methods below:

 Directly through the DUNS website. No fee is charged.

• Contacting the international DUNS office in your country. A fee is charged depending on locality
and urgency of request. Contact information can be found here: http://www.dandb.com/international/
http://www.dnblatam.com/DUNSRequest/ESP_Contacts.asp

CAGE and NCAGE Code in SAM

The Commercial And Government Entity (CAGE) Code is a five-character ID number used extensively within
the U.S. federal government, assigned by the Department of Defense’s Defense Logistics Agency (DLA). The
CAGE code provides a standardized method of identifying a given facility at a specific location. CAGE codes
for entities located outside the United States are called NATO Commercial and Government Entity (NCAGE)
codes. NCAGE codes are assigned internationally as part of the NATO Codification System (NCS), and are
required for all foreign entities or the registration will be considered incomplete.
A CAGE code or NCAGE code will be automatically assigned to you as a part of your entity's registration in
SAM. NCAGE is required for all foreign entities or the registration will be considered incomplete. Information
on how to obtain NCAGE codes may be found at http://www.dlis.dla.mil/Forms/Form_AC135.asp.

The DLA is the government agency responsible for administering CAGE codes. You should email or call the
DLA Customer Interaction Center to clarify the error. Agents are available 24 hours a day, 7 days a week,
including holidays. Once the error is cleared then you can go back in SAM and resubmit your registration.
 Toll Free: 1-877-352-2255
 Commercial: 1-269-961-7766
 Email: [email protected]

To research or cross reference what is registered on a recipient’s CAGE or NCAGE code account you can visit
the DLA's website (http://www.logisticsinformationservice.dla.mil/BINCS/begin_search.aspx) and search by
"DUNS" or the "Name" of the entity to see CAGE or NCAGE code registration information.

SWIFT Code
SWIFT code is a standard format of Bank Identifier Codes (BIC) and it is a unique identification code for a
particular bank. These codes are used when transferring money between banks, particularly for international
wire transfers. Banks also used the codes for exchanging other messages between them. The SWIFT code
consists of 8 or 11 characters. When 8-digits code is given, it refers to the primary office.
 First 4 characters - bank code (only letters)
 Next 2 characters - ISO 3166-1 alpha-2 country code (only letters)
 Next 2 characters - location code (letters and digits) (passive participant will have "1" in the second
character)
 Last 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

Currently, there are over 7,500 “live” SWIFT codes. The "live" codes are for the partners who are actively
connected to the SWIFT network. On top of that, there are more than 10,000 additional codes, which are used
for manual transactions. These additional codes are for the passive participants. The registrations of SWIFT
Codes are handled by Society for Worldwide Interbank Financial Telecommunication (“SWIFT”) and their
headquarters is located in La Hulpe, Belgium.

NAICS
The North American Industry Classification System (NAICS) is the standard used by Federal statistical
agencies in classifying business establishments for the purpose of collecting, analyzing, and publishing
statistical data related to the U.S. business economy. You DO NOT need a NAICS code if you are a non-
governmental organization applying for a grant.
 Steps to establishing your business credit

Incorporate your business. Even though you may be incorporated when you’re reading this, it deserves a mention. With
sole proprietorships and general partnerships, the business is legally the same as the owner; therefore, there can be no
separation of business credit history from personal. Incorporating a business or forming an LLC creates a business that
is legally separate from the owner(s).

Obtain a federal tax identification number (EIN). The EIN is basically a social security number for a business. It is
required on federal tax filings, and is also required to open a business bank account in the name of the corporation or
LLC. In order to comply with IRS requirements, many larger businesses also require an EIN from their vendors in order
to pay them for services provided.

Open a business bank account. Open a business checking account in the legal business name. Once open, be sure to pay
the financial transactions of the business from that account. If you use a business credit card (see below) for many
financial transactions, be sure to pay the credit card bill from your business checking account.

Get a DUNS Number: Issued by the main adjudicator of business credit, Dun & Bradstreet, a DUNS number is your
business’ credit profile number.

Establish a business phone number. Whether you use a landline, cell phone or you use VoIP, have a separate number for
your business and in your business’s legal name. List that number in the directory so it can be found.

Open a business credit file. Open a business credit file with all three business reporting agencies: Experian, Equifax and
TransUnion.

Obtain business credit card(s). Obtain at least one business credit card that is not linked to you or any other owners
personally. Pick a business credit card from a company that reports to the credit reporting agencies.

Establish a line of credit with vendors or suppliers. Work with at least five vendors and/or suppliers to create credit for
your company to use when purchasing with them. Ask them to report your payment history to the credit reporting
agencies.

Pay your bills on time. Perhaps it should go unsaid, but be sure to pay your bills on time. Like with your personal credit,
late payments will negatively impact your business credit.

Steps to establishing your business credit.txt[9/18/2015 1:12:29 PM]

A GUIDE TO BUILDING
SMART BUSINESS CREDIT
Establishing business credit can be
the key to growing your company
DID YOU KNOW?

• Business Credit can help grow your business

• Sound payment practices are key to a solid business credit profile
• Separating Business Credit and Personal Credit can greatly mitigate your risk
• There are 4 keys to building business credit
• Credit applications can be made easier by following a few simple steps
INTRODUCTION

You may think that business credit has limited application

for your business—that it matters only when you’re trying to
secure financing. In reality, business credit is a powerful tool
that can help you save money, establish valuable commercial
relationships, and, ultimately, grow your business.
That said, business credit may not be easy to understand, and establishing it
can be difficult. The goal of this guide is to demystify the topic and provide clear,
concise advice on how to develop business credit that works harder for your
business over the long haul.

BUSINESS CREDIT BASICS Having a robust

Let’s start with the way you pay. history of steady
payments to a variety
of creditors boosts the
Do you run your company using a combination of supplier borrowing power of
financing and personal credit—maybe adding an equipment your business and puts
lease or commercial loan into the mix? Do you have a few other companies at
ease about extending
suppliers that extend payment terms, but you buy office supplies credit to your firm.
on a personal credit card, and have the telephone account listed
in your own name?

Being inconsistent in maintaining sound payment practices may result in missing

important opportunities to build a solid business credit profile. Whereas having a
robust history of steady payments to a variety of creditors boosts the borrowing
power of your business and puts other companies at ease about extending credit
to your firm, says small business legal and financial expert Barbara Weltman,
author of The Rational Guide to Building Small Business Credit.

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SEPARATING BUSINESS AND
PERSONAL CREDIT

It’s important to maintain a business credit profile that is

distinctly separate from your personal credit profile.
Building separation between the two can help your business develop the
credibility that matters to banks, suppliers, and other creditors, according to
Weltman. A business credit profile that includes multiple, positive reports from
financial institutions, vendors, utilities, telephone accounts, lessors, and other
operational credit accounts in your company’s name shows that your business
pays its creditors in a timely manner. Maintianing separation can also protect
your personal credit profile should a financial mishap occur in the company,
and, conversely, can help insulate your business from anything that might have
an adverse affect on your personal credit.

UNDERSTANDING CREDIT
REPORTING BUREAUS
Your credit bureau report is at the heart of building
business credit.
Credit reporting agencies collect credit data from a wide range of sources.
This information is used to create a profile that illustrates how your business
has historically met its financial obligations, which helps prospective creditors
decide whether to take a chance on extending credit to your company.

Most bureaus make it easy to report this data, and standards vary by bureau.
In some cases, businesses are able to report information about themselves.
But in an effort to maintain data integrity, some bureaus use only information that
has been verified by a third party, a practice that ensures unbiased reports and
helps level the playing field for all businesses.

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The majority of banks, credit card companies, and other financial institutions report
payment patterns to credit bureaus on a regular basis. However, to make sure
you’re fully covered, it’s a good idea to ask suppliers and business partners to do
the same, advises Lita Epstein, author of The Complete Idiot’s Guide to Credit Scores.

Why a business credit profile matters

A good business credit profile serves two primary functions: it
helps your company more easily gain access to the credit it needs A good business
credit profile helps
at better terms, and it can help you understand more about the your company more
companies with which you do business. easily gain access to
the credit it needs at
Lenders, suppliers, and partners often review business credit better terms, and it can
help you understand
profiles to help them determine the risk involved with extending more about the
credit to your company. This helps them gauge how likely your companies with which
company will payin a timely manner. In short, it helps them decide you do business.
whether or not to do business with you. By the same token, you
should examine the credit profiles of other companies in order to
evaluate the financial stability of a prospective customer, supplier,
manufacturing facility, or other business partner.

Although it’s often overlooked, notes Weltman, evaluating a prospective

client’s commitment and ability to make payments is a critical step to take prior
to extending credit.

“Many small business owners are so excited to make a sale that they don’t do
their homework,” she adds. “Remember, it’s not a sale until you get paid. Unless
you like to work for free, you need to make sure you get the necessary profile
information up front.”

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ESTABLISHING BUSINESS CREDIT

So what does it take to build your business credit profile?

The following best practice guidelines offer a perspective on the fastest,
most efficient way to get it done:

• Borrow and pay. Some businesses think that the only way
to establish business credit is to open a business credit card. It is just as important
While that makes sense for some companies, securing credit to consistently monitor
terms from suppliers or taking out a commercial loan can your company’s
credit profile as it is
offer similar benefits with fewer downsides. Paying according
to monitor your
to agreed-upon terms is the first step in establishing good personal credit profile.
business credit.

• Be visible, (i.e., ensure that your good behavior is reported).

Unfortunately, unless your creditors are reporting timely payments to credit
bureaus, a good track record won’t help your business credit profile. Ask
suppliers and other businesses that extend credit or payment terms to your
company to consistently report your payment history. Many bureaus have
an option to do so through their websites, or the company can contact the
bureau’s customer service department for assistance. The more positive
reports there are in your company’s profile, the more comfortable other
companies or creditors will be doing business with you.

• Monitor your company’s profile. It is just as important to consistently monitor

your company’s credit profile as it is to monitor your personal credit profile,
says Weltman. You can order your business credit report from each bureau for
a fee, which varies by bureau. It’s a modest investment that will help you spot
any issues in the file and address or correct them. In addition, active business
credit monitoring can alert you to any fraud being perpetrated in the name of
your business. Be sure to check your credit profiles well in advance of applying
for new credit so that you have time to address any inaccuracies or problems
prior to submitting your loan or other credit application.

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 • Act like a business. Even the smallest operation can benefit from a positive
business credit profile. Again, your business accounts (telephone, utilities,
leases, loans) should be established in your business’ name. In the early stages
of a business, you may need to personally guarantee payment, but the more
established your business credit history is, the more likely it is you’ll be able to
negotiate and secure good credit terms without those guarantees.

KEYS TO CREDIT APPLICATIONS

As your business grows, you’ll probably need to
Credit applications
complete credit applications for your suppliers, can be key to securing
vendors, and other creditors. lower interest rates,
higher credit lines, and
gaining the financing
These applications can be key to securing lower interest rates,
flexibility you need to
higher credit lines, and gaining the financing flexibility you need grow your business.
to grow your business (and continue to build a strong payment
history). Consider the following guidelines before you complete a
credit application:

• Evaluate your own business credit. It’s always a good idea to review your
business credit profile before applying for new lines of credit. As discussed
above, your business credit profile includes a wealth of information that
prospective creditors will use to make decisions about the amount and terms
of your credit line. Such information may include payment history, tax liens,
judgments, collection activity, and inquiries from other prospective creditors.
Try looking at your profile through the lens of a creditor, reviewing such
information as:

n Trade payment history. Does your company have a history of paying

its bills on time, or are you routinely late? Late payments in the past
may simply be the result of a temporary cash flow crunch, but if your
company regularly lags in paying bills, creditors may not see your
business as a good credit risk.

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 n Credit balances. Is your company using a high percentage of its overall
available credit? This may be a reason to seek additional credit, but it
may also be a warning sign that your firm is overextended. On the other
hand, are balances relatively low compared to credit limits? This may
indicate good financial management.

n Track record. How long has your company been in business? Startups
may be riskier debtors than companies with long histories of paying
bills on time.

n Red flags. Review your firm’s credit report for liens or judgments. One
or two such reports may not be deal-breakers, but they may require
you to explain what happened. If there are items that need explaining,
be up front. Perhaps your business had a short-term, cash-flow crunch;
or you lost a key employee, which led to some black marks on the
report. It’s better to address them than to ignore or hide them.

• Get good references. Your business will often be asked for credit references.
Be sure to contact your references ahead of time to ask for their permission
to be included on credit applications. Failing to do so could make the contact
less inclined to give you a positive reference. There may also be an issue that
you aren’t aware of—such as an overlooked invoice or other problem—that,
if reported, could reflect poorly on your business. Try to provide three to four
references. It’s likely that prospective creditors will ask them:

n How long they have done business with your company?

n What is the maximum credit line they’ve extended to your business?

n How long does your company typically take to pay an invoice?

n Have there been times when your company hasn’t been able to pay on time?

• Fill out the form completely. When completing the application, be sure to
provide all of the information requested. Skipping sections could lead to delays
or even result in your credit line being denied. If you have questions, contact
the creditor to get them answered.

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PAPER TITLE BUSINESS
| EXPERIAN CREDIT | EXPERIAN © 2012
© 2011 7
CONCLUSION: GROWING YOUR BUSINESS
WITH GOOD CREDIT PRACTICES

As you’ve read, good business credit has an impact on more

than just a loan application; it can be at the core of fueling the
growth of your business.
It provides access to the funding and payment terms you
Good business
need to expand and, perhaps most important, build trust in
credit has an impact
any business relationship. on more than just a
loan application; it
Employing good business credit practices doesn’t have to be can be at the core of
confusing or challenging. Maintaining a distinctly separate fueling the growth
of your business. It
business credit profile, staying current on payments to creditors, provides access to the
ensuring that your good payment history is reported to the credit funding and payment
bureaus, and monitoring your business credit profile to detect terms you need to
expand and, perhaps
issues or fraud can help your business grow. Additionally, when most important, build
you find yourself in a position to extend credit to your customers, trust in any business
you have the same opportunity to use the commercial credit tools relationship.
outlined above to limit your risk.

THINK LIKE A BANKER:

THE 4 CS OF BUSINESS CREDIT
To make the most of business credit, it helps to think
like a loan officer.
Banks have four key criteria that they typically use when evaluating a business’s
creditworthiness—the Four Cs of Business Credit (Character, Collateral, Condition,
and Capacity). Different banks will weight these factors according to their own

A GUIDE TO BUILDING
WHITE SMART
PAPER TITLE BUSINESS
| EXPERIAN CREDIT | EXPERIAN © 2012
© 2011 8
practices, but it helps to put your best foot forward in each of these areas when
presenting your business as a potential borrower.

1. Character. Lenders and creditors want to be sure that they’re doing business
with reputable companies and not putting themselves at risk of fraud or
other negative activity. If your business or personal credit profiles show
spotty payment history, liens, judgments, or other red flags you will need to
be prepared to explain those factors or accumulate a longer period of steady
payments before seeking new credit.

2. Collateral. A financial institution may need to secure a loan based on something

of value to your business. It may take the form of business equipment,
inventory, or other assets the business owns. Some lenders will seek personal
guarantees and may look for personal assets, such as real estate, to secure the
loan. The more collateral your business has, the easier it generally is to get the
money or terms you need.

3. Condition. A solid business credit profile indicates a strong financial history,

(i.e., a business in good condition). To show your business in the best possible
light, work with your vendors, suppliers, and other creditors to ensure that they
are reporting your timely payments to business credit bureaus. This will help
tell the story of your business’ robust health. Lenders and other creditors may
look at the personal credit scores of owners or partners in the business, so be
mindful of those profiles as well.

4. Capacity. Before extending credit, lenders want to know that your business
generates enough revenue to meet the payment obligations. This will be
easier for established businesses with a history of sales than it will be for
startups. If your business is new, provide information about projected sales and
expenses, along with an explanation of how you arrived at those numbers. Be
realistic; lenders may compare your projections to industry standards. If you
overestimate your expected sales and underestimate expenses, that can be an
indication that you may not have done your financial homework well.

A GUIDE TO BUILDING
WHITE SMART
PAPER TITLE BUSINESS
| EXPERIAN CREDIT | EXPERIAN © 2012
© 2011 9
Give yourself time to prepare in advance of meeting your lender, and be ready
to answer questions about each of these four categories. Look at your business
with a critical eye, so that you can anticipate potential stumbling blocks, and be
prepared to answer tough questions from your lender. Being prepared can mean
the difference between approval and rejection.

BUSINESS CREDIT RESOURCES

As creditors increasingly rely on business credit profiles to make real-time

decisions about credit terms, it is more important than ever for your business
to build a solid credit profile with a robust history of timely payments. By
integrating state-of-the-art technology and superior data, Experian’s Business
Information Services is an important resource in helping you build your
business credit.

Experian is a leader in providing data and predictive insights for businesses,

helping them mitigate risk and improve profitability. The company’s business
database provides comprehensive, third-party-verified information on 99.9
percent of all U.S. companies, with the industry’s most extensive data on the
broad spectrum of small and mid-sized businesses, including yours.

Learn more about your current profile and how to make it a forceful tool in
building your business by visiting us at experian.com/mybusinesscredit.

A GUIDE TO BUILDING
WHITE SMART
PAPER TITLE BUSINESS
| EXPERIAN CREDIT | EXPERIAN © 2012
© 2011 10
 Steps to establishing your business credit

Incorporate your business. Even though you may be incorporated when you’re reading this, it deserves a mention. With
sole proprietorships and general partnerships, the business is legally the same as the owner; therefore, there can be no
separation of business credit history from personal. Incorporating a business or forming an LLC creates a business that
is legally separate from the owner(s).

Obtain a federal tax identification number (EIN). The EIN is basically a social security number for a business. It is
required on federal tax filings, and is also required to open a business bank account in the name of the corporation or
LLC. In order to comply with IRS requirements, many larger businesses also require an EIN from their vendors in order
to pay them for services provided.

Open a business bank account. Open a business checking account in the legal business name. Once open, be sure to pay
the financial transactions of the business from that account. If you use a business credit card (see below) for many
financial transactions, be sure to pay the credit card bill from your business checking account.

Get a DUNS Number: Issued by the main adjudicator of business credit, Dun & Bradstreet, a DUNS number is your
business’ credit profile number.

Establish a business phone number. Whether you use a landline, cell phone or you use VoIP, have a separate number for
your business and in your business’s legal name. List that number in the directory so it can be found.

Open a business credit file. Open a business credit file with all three business reporting agencies: Experian, Equifax and
TransUnion.

Obtain business credit card(s). Obtain at least one business credit card that is not linked to you or any other owners
personally. Pick a business credit card from a company that reports to the credit reporting agencies.

Establish a line of credit with vendors or suppliers. Work with at least five vendors and/or suppliers to create credit for
your company to use when purchasing with them. Ask them to report your payment history to the credit reporting
agencies.

Pay your bills on time. Perhaps it should go unsaid, but be sure to pay your bills on time. Like with your personal credit,
late payments will negatively impact your business credit.

Steps to establishing your business credit.txt[9/18/2015 1:12:29 PM]

 General Instructions for Registering in DUNS / SAM
If you have not previously registered in DUNS or SAM, read all instructions below before you register in these
systems.

IMPORTANT FACTS

1. All organization/entity information MUST BE IDENTICAL IN BOTH DUNS and SAM.

 You cannot enter one address for DUNS and then a different address for SAM. This will cause a
system error and result in significant delays.
 You cannot have unequal spacing between words in the primary contact information fields. Be very
precise when entering all data.
2. Certain internet browsers work better than others for navigating the SAM system. If you have technical
difficulties, read “Browser Settings for Optimal Use of SAM”:
https://inside.fws.gov/media/FinancialAssistance/Documents/Browser%20Use%20of%20SAM.pdf
3. Obtaining a CAGE or NCAGE code is an important first step in this process. Please scroll to the
“Definitions” section below for further information.
4. For SAM Customer Service, contact:
 Federal Service Desk: www.fsd.gov
 US Calls: 1-866-606-8220
 International Calls: 334-206-7828
 You may also contact your DIC point of contact
5. There is no registration fee for DUNS or SAM for any organization that is a (or is applying for) financial
assistance recipient of the US government, including contracts, grants, and cooperative agreements.
There are businesses that will assist in registration for a fee, but you are not required to make payment to
any DUNS representatives for purposes of contracts, grants, or cooperative agreements.

SAM INSTRUCTIONS TO READ PRIOR TO REGISTRATION

1. Go to www.sam.gov
2. Click on the “Help” Tab.
3. Click on the “FAQs” Tab, read the “SAM User Help” information.
4. Click on the “User Guides” tab, then the “Quick User Guides” tab below.
5. Read the “Quick Start Guide for Entities Interested in Being Eligible for Grants.”
https://www.sam.gov/sam/transcript/Quick_Guide_for_Grants_Registrations.pdf
6. Click on “Full User Guide” and download full instructions for completing SAM registration.
This guide contains step-by-step screen shots to assist in the registration process.
7. Also under the “User Guides” tab are “Demonstration Videos:”
 SAM Overview Video
 Register a New Entity in SAM to be Eligible for Grants and Other Federal Assistance
 Migrating Your Legacy System Roles
8. For SAM frequently asked questions (FAQs), go to: https://www.sam.gov/portal/public/SAM/
9. Once you have read through the formal instructions on the SAM website, you can use the instructions
below for basic reference when entering SAM organizational information.
10. If you are awaiting an assistance award from DIC, please email your Grant Specialist once you have
completed SAM registration.

BASIC INSTRUCTIONS FOR COMPLETING SAM ENTITY REGISTRATION

1. First, complete DUNS registration for your organization. See below for DUNS information.
 2. Create a Personal Account and Login
3. Click "Register New Entity" under "Manage Entity" on your "My SAM" page
4. Select your Entity type
5. Select "NO" to "Do you wish to bid on contracts?"
6. Select "YES" to "Do you want to be eligible for grants and other federal assistance?"
7. Complete "Core Data"
 Validate your DUNS
 Enter Business Information
 Enter CAGE code if you have one. If not, one will be assigned to you after you have completed your
registration. Non-domestic registrants must enter NCAGE code.
 Enter General Information (business type, etc.)
 Financial Info (EFT)
 Proceedings detail
8. Complete "Point of Contact"
9. The entity's registration should be active in 3-5 business days (10 business days for manual
validations.)

DEFINITIONS

DUNS Number
Dun & Bradstreet (D&B) provides a DUNS Number (a unique nine-digit identification number) for each
physical location of your business. DUNS Number assignment is FREE for all businesses required to register
with the US Federal government for contracts or grants.

If your organization does not have a valid DUNS number, you must request one using one of the methods
below. Regardless of the method used, requesting the DUNS number for the first time is free of charge. Please
be aware that requesting and renewing a DUNS number may take up to 30 business days.
 Via the DUNS website at http://fedgov.dnb.com/webform
o The DUNS website has information available in English only. Requesting a DUNS number is
free of charge.

 Via an international DUNS office:

http://www.dandb.com/international/
http://www.dnblatam.com/DUNSRequest/ESP_Contacts.asp

If your organization already has a DUNS number, please verify that it is valid. The DUNS number must be
renewed on an annual basis by either of the two methods below:

 Directly through the DUNS website. No fee is charged.

• Contacting the international DUNS office in your country. A fee is charged depending on locality
and urgency of request. Contact information can be found here: http://www.dandb.com/international/
http://www.dnblatam.com/DUNSRequest/ESP_Contacts.asp

CAGE and NCAGE Code in SAM

The Commercial And Government Entity (CAGE) Code is a five-character ID number used extensively within
the U.S. federal government, assigned by the Department of Defense’s Defense Logistics Agency (DLA). The
CAGE code provides a standardized method of identifying a given facility at a specific location. CAGE codes
for entities located outside the United States are called NATO Commercial and Government Entity (NCAGE)
codes. NCAGE codes are assigned internationally as part of the NATO Codification System (NCS), and are
required for all foreign entities or the registration will be considered incomplete.
A CAGE code or NCAGE code will be automatically assigned to you as a part of your entity's registration in
SAM. NCAGE is required for all foreign entities or the registration will be considered incomplete. Information
on how to obtain NCAGE codes may be found at http://www.dlis.dla.mil/Forms/Form_AC135.asp.

The DLA is the government agency responsible for administering CAGE codes. You should email or call the
DLA Customer Interaction Center to clarify the error. Agents are available 24 hours a day, 7 days a week,
including holidays. Once the error is cleared then you can go back in SAM and resubmit your registration.
 Toll Free: 1-877-352-2255
 Commercial: 1-269-961-7766
 Email: [email protected]

To research or cross reference what is registered on a recipient’s CAGE or NCAGE code account you can visit
the DLA's website (http://www.logisticsinformationservice.dla.mil/BINCS/begin_search.aspx) and search by
"DUNS" or the "Name" of the entity to see CAGE or NCAGE code registration information.

SWIFT Code
SWIFT code is a standard format of Bank Identifier Codes (BIC) and it is a unique identification code for a
particular bank. These codes are used when transferring money between banks, particularly for international
wire transfers. Banks also used the codes for exchanging other messages between them. The SWIFT code
consists of 8 or 11 characters. When 8-digits code is given, it refers to the primary office.
 First 4 characters - bank code (only letters)
 Next 2 characters - ISO 3166-1 alpha-2 country code (only letters)
 Next 2 characters - location code (letters and digits) (passive participant will have "1" in the second
character)
 Last 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

Currently, there are over 7,500 “live” SWIFT codes. The "live" codes are for the partners who are actively
connected to the SWIFT network. On top of that, there are more than 10,000 additional codes, which are used
for manual transactions. These additional codes are for the passive participants. The registrations of SWIFT
Codes are handled by Society for Worldwide Interbank Financial Telecommunication (“SWIFT”) and their
headquarters is located in La Hulpe, Belgium.

NAICS
The North American Industry Classification System (NAICS) is the standard used by Federal statistical
agencies in classifying business establishments for the purpose of collecting, analyzing, and publishing
statistical data related to the U.S. business economy. You DO NOT need a NAICS code if you are a non-
governmental organization applying for a grant.
 Credit Companies that only pull Trans Union

Affinity Plus FCU (Join Foundation)

Allegacy Federal CU (Join Assoc during app process)
Applied Bank
Barclays
BBVA Compass Bank
CFNA
Discover (Equifax 50% of the time)
Eaton Family CU (Ohio Only)
Fifth Third Bank
First Premier Bank
GECRB
John Deere Financial
KEMBA Financial CU (Angie’s List Eligible, used to pull Equifax)
Lake Michigan CU (ALS Assoc Eligible)
Lending Club
Mazuma CU (Join Harry S. Truman Library & Museum)
Mercedes Benz Credit Corp

es
Merrick Bank
Michigan First CU

ic
PNC (TU 50% of the time)

v
RBFCU

er
Smart Financial CU ($60 to join Houston Museum)

S
State Farm
UMB
VW Credit
ls
ia
nc
na

Brands:
Fi

Amazon Store (GECRB)

American Eagle (GECRB)
le

Ameriprise (Barclays)
ab

Apple (Barclays)
Ashley Furniture (GECRB)
rd

Banana Republic (GECRB)

fo

Belks (GECRB)
Babies R Us (GECRB)
Af

Barclaycard Arrival
BJ’s (Barclays)
Bridgestone (CFNA)
Care Credit (GECRB)
Chevron (GECRB)
Dillard’s (GECRB)
eBay (GECRB)
Firestone (CFNA)
Gap (GECRB)
Golfsmith (GECRB)
Guide Dogs (UMB)
h.h.gregg (GECRB)
Hooters (Merrick Bank)
JCPenney (GECRB)
Linux (UMB)
LLBean (Barclays)

Cards That Pull Trans Union.txt[6/15/2015 10:17:40 PM]

 Lowe’s (GECRB)
NFL Visa (Barclays)
Old Navy (GECRB)
PayPal (GECRB)
Priceline (Barclays)
QVC (GECRB)
Rooms To Go (GECRB)
Sallie Mae (Barclays)
Sam’s Club (GECRB)
Texaco (GECRB)
TJX (GECRB)
Toys R Us (GECRB)
Travelocity (Barclays)
UPromise (Barclays)
US Air (Barclays)
Walmart (GECRB)
Williams Sonoma (Barclays)

es
vic
er
S
ls
ia
nc
na
Fi
le
ab
rd
fo
Af

Cards That Pull Trans Union.txt[6/15/2015 10:17:40 PM]

 Commenity Bank Credit Cards

Abercrombie&Fitch Credit Card

AdWords Business Credit Card
ALON Credit Card
American Laser Skincare
American Commercial Credit Card
American Home Credit Card
American Signature Credit Card
American Credit Card
American Home Furnishings Credit Card
Annie Sez Credit Card
Ann Taylor MasterCard Credit Card
Ann Taylor Credit Card
Arizona Mail Order Credit Card
Arhaus Credit Card
Ashley Stewart Credit Card
Avenue Credit Card
Bedford Fair Credit Card
Bealls Florida Credit Card
Bealls Credit Card
Bealls Outlet Credit Card
Bergner's Credit Card
Blair Credit Card
Blue Nile Credit Card
Bon Ton Credit Card
Boston Store Credit Card
Brylane Home Credit Card
Brownstone Studio Credit Card
Brylane Home Visa Card
Buckle Credit Card
Burke's Outlet Credit Card
Carter Lumber Pro Credit Card
Carson's Credit Card
Carter Lumber Credit Card
Catherines Credit Card
Chadwick's Credit Card
Chadwick's Visa Card
Christopher and Banks Credit Card
The Company Store Credit Card
CosmeticCredit Card
Crate and Barrel Credit Card
Crescent Jewelers Credit Card
Cruise One Mastercard Credit Card
David's Bridal Credit Card
Dental First Financing Credit Card
Design Within Reach Credit Card
Domestications Credit Card
Dots Credit Card
dressbarn Credit Card
DUTYFREECOM Credit Card
Dunlaps Credit Card
Eddie Bauer Credit Card

Commenity Bank Credit Cards.txt[6/16/2015 12:12:33 AM]

 Elder-BeermanCredit Card
El Dorado Furniture Credit Card
Express Credit Card
Fashion Bug Credit Card
FastLine
Fortunoff Credit Card
Fortunoff VISA Credit Card
Friedman's Credit Card
GameStop
Gander Mountain MasterCard
Gander Mountain Credit Card
Garden Ridge Credit Card
Gardner-White Credit Card
Giant Eagle fuelperks! credit card
Goody's Credit Card
Gordmans Credit Card
Goody's Stage Store Credit Card
Gold Violin Credit Card
Grand Rental Station Credit Card
Haband Credit Card
Henri Bendel Credit Card
HealthiPlan
HealthiPlan Medical Credit Card
Herberger's Credit Card
Home&Garden Showplace Credit Card
Ideal Image Credit Card
Home Shopping Network (HSN)
Home Shopping Network (HSN) Mastercard
Jessica London Credit Card
J. Jill Credit Card
Justice Credit Card
Kane Furniture Credit Card
Lane Bryant Credit Card
La Redoute Credit Card
Lew Magram Credit Card
Levin Furniture Credit Card
Little Switzerland Credit Card
The Limited Credit Card
Linensource Credit Card
Lifestyle Lift Credit Card
LOFT MasterCard Credit Card
LOFT Credit Card
Mandee Credit Card
maurices Credit Card
Marathon Credit Card
Marathon VISA Card
metrostyle Credit Card
MedChoice Financial Credit Card
MedChoice Premium Credit Card
Monterey Bay Credit Card
MyPoints VISA Credit Card
My World Credit Card
New York&Company MasterCard
Newport News MasterCard

Commenity Bank Credit Cards.txt[6/16/2015 12:12:33 AM]

 New York&Company Rewards Credit Card
Newport News Credit Card
Norm Thomson Credit Card
Ohio University Alumni MasterCard
OneStopPlus.com Credit Card
OneStopPlus.com Visa
OSH Credit Card
OSH Commercial Credit Card
Overtons Credit Card
Palais Royal Credit Card
PacSun Credit Card
Parisian Credit Card
Peebles Credit Card
Petite Sophisticate Credit Card
Petland Credit Card
Pier 1 Credit Card
Pottery Barn Kids Credit Card
Pottery Barn Credit Card
Priscilla of Boston Credit Card
Premier Designs Credit Card
Rainsoft Credit Card
Reeds Credit Card
Restoration Hardware Credit Card
The RoomPlace Credit Card
Roaman's Credit Card
Samuels Jewelers Credit Card
Sahalie Credit Card
Silhouettes Credit Card
Smile Generation Financial Credit Card
Solutions Credit Card
Spiegel Credit Card
Sports Authority Credit Card
The Sportsman's Guide Visa
Springstone Credit Card
Stage Credit Card
Steeles Credit Card
Taylor Rental Credit Card
Talbots Credit Card
The Tog Shop Credit Card
TigerDirect Credit Card
Torrid Credit Card
Total Rewards Visa Credit Card
Trek Credit Card
True Value Credit Card
UnderGear Credit Card
uTango VISA Credit Card
Value City Furniture Credit Card
Venue Credit Card
Venus Credit Card
Victoria's Secret Credit Card
Virgin America Visa
Vitacost Rewards Mastercard
West elm Credit Card
Westgate Credit Card

Commenity Bank Credit Cards.txt[6/16/2015 12:12:33 AM]

 WinterSilks Credit Card
Woman Within Credit Card
Younkers Credit Card
Your Tuition Solution Credit Car

Commenity Bank Credit Cards.txt[6/16/2015 12:12:33 AM]

 CREDIT CARD LENDER LIST

You can start by browsing our cards for banks and card issuers below. You can also use our
credit card list to compare credit cards or to find the card with the right features and benefits for
you. Our credit card list has been designed is an easy-to-use tool which enables you to
compare rates, type of rewards, types of cards and annual fees. Once you make your choice,
the credit card application is only a click away and many cards will give you a decision in less
than 60 seconds.
To further educate and inform our customers about choosing the right credit card offer and how
to spot the best credit card deal, we provide an extensive credit card selection and different card
types. Here with our list you can learn more on how to take advantage of the various card
benefits, as well as better understand their features and their importance to you building a
legitimate credit score.
Another feature of our list is devoted to students, no credit and low credit persons who may be
applying for a credit card for the first time. The college student credit cards offer value and
benefits that can lead to greater financial flexibility and freedom, and help you build credit.
SPECIAL CREDIT CARD DEALS: Our credit card list offers a wide range of promotions which
may offer bonuses that can be awarded after your first purchase. These awards may come in
the form of cash back, air miles, merchandise or other rewards from the issuer that are in
addition to the standard benefits that may be stated on your credit card application. You can
also browse our credit cards section to get the lowest interest rate or our business and retail
credit cards section to see the best offers for small businesses.
APPLYING FOR A CREDIT CARD: Filling out a credit card application is faster than ever
before. To apply for a credit card online, simply provide the information requested, and click on
the submit button. You may get an online decision in as little as a minute, in other cases you will
be notified by mail within a couple of weeks. Use our list to browse and compare credit card
offers available to you, all includes a online application. As a disclaimer we must inform you to
read any contract fully before completing and submitting your application.

SPECIAL NOTE FOR OPENING APPLICATION LINKS:

SOME LINKS WHICH APPEAR WITHIN THIS LIST MAY NEED TO BE COPIED AND
PASTED DIRECTLY INTO YOUR ADDRESS BAR.
We have found some application links which are smaller than 1 line will directly link you to
the given application.

We have also found:

LINKS WHICH ARE LONGER THAN 1 LINE:

WILL NEED TO BE COPIED AND PASTED INTO YOUR WEB ADDRESS BAR;

To direct you to the correct application address.

This is due to the length of the website address which in some case will need to be
copied and pasted into your address bar to make it work properly.
Sorry for any inconvenience this may cause.
 RETAIL CREDIT CARDS

1. Abercrombie & Fitch Credit Card https://onlineaccess.mycreditcard.cc/abercrombie

2. American Dream Card Master Card http://www.americandreamcard.com/

3. American Eagle Visa

http://www.ae.com/web/getcarded/ae_creditcards_info.jsp?_requestid=181942

4. Amazon.com Platinum Visa Credit Card

http://www.amazon.com/gp/cobrandcard/marketing.html

5. Amway Global Visa Credit Card https://www5.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090BASG004
00800153140EN000&requestTimeout=120&router_flag=y
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

6. America's Christian Credit Union Credit Cards

http://www.americaschristiancu.com/home/vis

7. Amtrak Guest Rewards MasterCard http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=amtrak&page=cont&mkid=6G8N

8. Ann Taylor Credit Card

http://www.anntaylor.com/custserv/custserv.jsp?pageName=ATCard

9. Ann Taylor MasterCard

http://www.anntaylor.com/custserv/custserv.jsp?pageName=ATCard

10. Audi Visa Signature Credit Card http://www.audiusa.com/us/brand/en/financial.html

11. Avon Old Farms School Visa http://www.cardpartner.com/app/avon-old-farms-school

12. Banana Republic Credit Card https://secure-

bananarepublic.gap.com/profile/PLCCHome.do?redirect=true

13. Barnes & Noble Credit Card

http://www.barnesandnoble.com/membership/mc.asp?jp=3&z=y&cds2Pid=9481

14. Bass Pro Shops Outdoor Rewards Visa https://www5.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090DBDV004
00800150720EN000&requestTimeout=120&router_flag=y
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

15. Belk Credit Card

https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=1315641838&subActionId
=1000&langId=en

16. Bergdorf Goodman Credit Card

http://www.bergdorfgoodman.com/store/service/ccapplication/agreement.jhtml

17. Best Buy Credit Card

http://www.bestbuy.com/site/null/null/pcmcat97200050032.c?id=pcmcat97200050032

18. Best Buy Reward Zone MasterCard

http://www.bestbuy.com/site/null/null/pcmcat101600050004.c?id=pcmcat101600050004

19. Black Belt Rewards Visa

https://www.partnersfirstcc.com/landing.aspx?code=WBB&cid=99&jid=4185212&ch=BAN

20. Bloomingdale's Credit Card

https://www.bloomingdales.com/service/credit/applynow/creditapp.ognc

21. BMW Platinum Visa Credit Card

http://www.bmwusa.com/Standard/Content/FinancialServices/CreditCard.aspx

22. Boat U.S. Platinum Plus Visa https://www5.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&prod_group_cd=1ABC&request
Timeout=120

23. Boyds Bears Visa Platinum http://www.boydsstuff.com/newz/CreditCard.html

 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

24. Brighter Planet Visa Credit Card http://brighterplanet.com/products/credit_card

25. Brooks Brothers Credit Card

https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=766574706&subActionId
=1000&langId=en

26. Brooks Brothers Platinum MasterCard

http://www.brooksbrothers.com/brookscard/landing_brookscard.tem

27. Budweiser Credit Card

http://www.usbank.com/cgi_w/cfm/creditcards/Anheuser_Busch/bud_rewardsPlat.cfm?ics_
src=58000&redirect=AB58000

28. Buy.com Platinum Visa Card

https://ssl.buy.com/AC/loginAccount.aspx?ReturnUrl=%2fAC%2fAccount%2fBuyVisaRewar
ds.aspx%3fwhat%3dbuyvisa%26dir_name%3dbuydotcom_ic_30_30_coup_no_int%26mkid
%3d664Q&what=buyvisa&dir_name=buydotcom_ic_30_30_coup_no_int&mkid=664Q

29. Cabela's Club Visa Credit Card

https://www.cabelas.com/cabelas/en/templates/community/aboutus/visa/visa-
application.jsp;jsessionid=PFXLMAIFLDARLLAQBBISCONMCAEFEIWE?_requestid=1639
2

30. Cache Visa Card http://www.cachevisa.com/credit/alert.do

31. Casual Male Credit Card http://www.casualmale.com/store/en_US/static/creditcard.jsp

32. Celebrity Cruises Visa Credit Card https://www5.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

33. Chevy Chase Bank Credit Card

https://www.chevychasebank.com/personal/banking/credit-cards.html

34. Chrysler Rewards Visa https://portal.rewards-

catalog.com/BankOfAmericaWeb/appmanager/bac/chrysler?_nfpb=true&_pageLabel=pFro
ntPorch&_nfls=false

35. Citi Forward by MySpace http://www.myspace.com/citiforward

36. Coldwater Creek Credit Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_coldwater_creek&page=index

37. Coors Credit Union Credit Card https://www.coorscu.org/coors/Cards.asp

38. True Earnings® Card from Costco and American Express

http://www201.americanexpress.com/getthecard/learn-about/Costco-
TrueEarnings/25_statement_credit/23784?PID=1&BUID=CCG&PSKU=CST&CRTV=SJCS
T&EAID=elCyaDYKozw-Xm22GnY%2AGgnqGiz%2FE%2AQ0TQ

39. Delta Community Credit Union Visa

https://www.deltacommunitycu.com/Personal/loancenter/visa.asp

40. Dillard's American Express Card

https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=733216883&subActionId
=1000
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

41. Dillard's Credit Card

https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=733216883&subActionId
=1000

42. Diner's Club Carte Blanche Card

https://www.dinersclubus.com/dce_content/personalcards

43. Diner's Club Charge Card https://www.dinersclubus.com/dce_content/personalcards

44. Direct TV Rewards Visa

https://www.barclaycardus.com/app/japply/lp/20896.jsp?campaignid=0000784&obadloc=02
4&obchannel=03

45. Disney Rewards Visa Card - from Chase http://disney.go.com/visa/today/index.html

46. D.L. Evans Bank Corporate Credit Card

http://www.dlevans.com/business.asp?SubCategory=12

47. E*Trade Financial Platinum Visa https://us.etrade.com/e/t/pagenotfound

48. Expedia Corporate Travel Charge Card http://www.cardpartner.com/app/kca

49. Expedia Corporate Travel MasterCard http://www.cardpartner.com/app/alrandco

50. Express Credit Card (Express Fashion Credit Card)

https://onlineaccess2.mycreditcard.cc/express?Action=intro.jsp
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

51. Free Spirit World MasterCard http://www.freespiritmastercard.com/

52. Gap Credit Card https://secure-www.gap.com/profile/PLCCHome.do?redirect=true

53. Garfield Visa http://www.commercebank.com/personal/cards/credit/garfield-visa/?rd=1

54. GE Money Net Rewards Card

http://www.gemoneycards.com/personal/credit_cards/rewards/index.html

55. Good Sam Club Visa Credit Card

https://www.partnersfirstcc.com/landing.aspx?code=GGA&cid=99&jid=4185223&ch=BAN

56. Goodyear Credit Card http://www.goodyeartires.com/credit.html

57. Green Dot Prepaid MasterCard / Visa

https://www.greendotonline.com/Contents/Products.aspx

58. Green Pay MasterCard http://www.greenpay.com/

59. Gymboree Visa Platinum Credit Card

http://www.usbank.com/cgi_w/cfm/credit/gymboree/home.cfm?cat=190&ics_src=54031

60. Habitat for Humanity Credit Card https://www4.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090QVBO004
0080016511EN000&requestTimeout=120&router_flag=y
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

61. Hancock Bank Platinum Visa

http://www.hancockbank.com/personal/per_credit_cards.asp

62. Harley-Davidson Credit Card

http://www.harleydavidsonvisa.com/cgi_w/cfm/creditcards/harleydavidson/index.cfm?ICS_
Source=47000

63. Harleysville National Bank Credit Cards

https://online1.elancard.com/oad/begin?locationCode=10048&preparerType=customer

64. HAS Advantage Visa Platinum Card http://www.hasadvantage.com/

65. Hello Kitty Credit Card http://www.sanrio.com/credit_card/

66. Helping Hands Visa http://www.cardpartner.com/app/helping-hands

67. Helzberg Diamonds Credit Card

http://www.helzberg.com/category/customer+service/helzberg+diamond+credit+card.do

68. Hess Visa Platinum Card from Chase http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=hess&page=cont&msc=Z0003016

69. Hilton Honors Visa Card from Citi

https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=FPSHW3G8&m=8HWB59
7740W&langId=EN&siteId=HHONORS&B=S&uc=2YQ&s1=FGPHW3G8&d1=D&o1=02&B
1=P&screenID=3004
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

70. Hilton Honors Platinum Credit Card from American Express

https://www201.americanexpress.com/cards/Applyfservlet?csi=4/12736/b/57/1296765618/1
29090705222/0/n

71. Holy Cross Credit Card http://www.holycross.edu/alumni/services/creditcard.html

72. Home Depot Commercial Account Credit Card

https://www.accountonline.com/ACQ/RPL/Web/Apply?app=UNSOL&sc=45014&siteId=PLC
R_HOMEDEPOT&langId=EN

73. Home Depot Commercial Revolving Charge Card

https://www.accountonline.com/ACQ/RPL/Web/Apply?app=UNSOL&sc=40012&siteId=PLC
R_HOMEDEPOT&langId=EN

74. Home Depot Credit Card

https://www.citicards.com/cards/acq/Apply.do?screenID=3012&app=UNSOL&sc=30005&sit
eId=PLCN_HOMEDEPOT&langId=EN&locale=en_US

75. Honda Rewards Visa Credit Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_honda&page=index

76. Hooters Credit Card http://www.hooterscard.com/menu/home.aspx

77. HSBC Platinum MasterCard

http://www.disclosure.hsbccreditcard.com/1/2/media/disclosure?cmd_lpage=&indicator=HS
018&media=R5IS047AAX0803000331XXHHX
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

78. Icelandair MasterCard

https://www.juniper.com/app/japply/lp/15260.jsp?campaignid=0000526&obadloc=003

79. IKEA Credit Card http://www.ikeacards.com/

80. Indianapolis Motor Speedway Credit Card https://www6.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM0901AIY0040
0800115976EN000&requestTimeout=120&router_flag=y

81. International Brotherhood of Magicians Visa

https://www.partnersfirstcc.com/landing.aspx?code=IBM&cid=99&jid=4185902&ch=BAN

82. International Military Community Executives Association Visa

http://www.cardpartner.com/app/imcea

83. I Power Cash Card http://jacksonhewitt.com/ipower/index.html

84. ISPFCU Credit Cards http://www.ispfcu.org/visa.html

85. J. Crew Credit Card http://www.jcrew.com/AST/FooterNavigation/jcrewcard.jsp

86. JC Penney Credit Card

https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=1342177401&subActionId
=1000

87. Juniper Visa with iTunes Rewards http://store.apple.com/1-800-MY-

APPLE/WebObjects/AppleStore?instantcredit=yes
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

88. Kawasaki Good Times Credit Card

http://www.kawasaki.com/OwnerInfo/GoodTimesCC.aspx

89. King Size Credit Card https://www.kingsizedirect.com/Account/Apply_CreditCard.aspx

90. King Size Rewards Visa Platinum

https://www.kingsizedirect.com/Account/Apply_CreditCard.aspx

91. Kirkland's Credit Card https://www.onlinecreditcenter2.com/Kirkland/kirklands-apply.html

92. K Jazz 88.1 FM Visa http://www.cardpartner.com/app/kjazz

93. Kohl's Credit Card http://www.kohlscorporation.com/ChargeCard/Charge01.htm

94. Kroger Credit Card - Kroger 1-2-3 Rewards MasterCard

http://www.krogerpersonalfinance.com/credit-cards/?cid=dm

95. Ladies Auxiliary VFW Credit Card https://www6.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090LADD0050
0800115871EN000&requestTimeout=120&router_flag=y

96. La Quinta Visa Rewards Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_laquinta&page=index
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

97. Latina Style Visa Platinum

https://applications.usbank.com/oad/begin?locationCode=9532&preparerType=customer

98. Lexus Pursuits Visa Credit Card

http://www.lexusfinancial.com/consumer/lfs.portal?_nfpb=true&_pageLabel=pg_LPVHome

99. Linens-N-Things Credit Card

https://www.onlinecreditcenter6.com/consumergen2/login.do?subActionId=1000&clientId=li
nsnthngs&accountType=plcc

100. L.L. Bean Visa Credit Card

http://www.llbean.com/webapp/wcs/stores/servlet/ShowOAPLander?storeId=1&langId=-
1&psnl=2

101. Lowe's Credit Card

https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=117440611&subActionId
=1000&langId=en

102. Lowe's Project Card

http://www.lowes.com/lowes/lkn?action=pg&p=CustServ/cc_compare_consumer.html

103. LPGA Credit Card https://www6.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page

104. Mack Credit Cards (Fuel & Service or Mack MasterCard) http://www.mfscards.com/

105. Macy's Credit Card https://www.macys.com/service/credit/applynow/creditapp.ognc

 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

106. Marriott Rewards Premier Visa Signature Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=marriott_premier&page=cont&mkid=617V&MS
C=Z0048858

107. Marriott Rewards Signature Visa Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=marriott_rewards_15k_certificate&page=cont&
mkid=617V&msc=Z0048858

108. Marriott Rewards Visa Business Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=marriott_bizcard_15k_certificate&page=cont&
mkid=617V&MSC=Z0048858

109. Meijer Credit Card

http://www.meijer.com/content/content_leftnav_dynamic.jsp?pageName=financial_services

110. Meijer Platinum MasterCard

http://www.meijer.com/content/content_leftnav_dynamic.jsp?pageName=financial_services

111. Meijer Prepaid MasterCard

http://www.meijer.com/content/content_leftnav_dynamic.jsp?pageName=financial_services

112. Menards Credit Card

https://www.esnapw.com/rses/ESnapServlet?MerchantNumberSent=03598&MerchantRetu
rnLink=http://www.menards.com/bigCardCompleted.do

113. Men's Wearhouse Credit Card

http://www.menswearhouse.com/webapp/wcs/stores/servlet/ContentAttachmentView_-
1_10601_10051_10652_10693_10682_PerfectFitCreditCard.html
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

114. Mercedes-Benz Visa Credit Card

https://www.awardscatalog.com/epx/index.cfm?fuseaction=EPortal.AccountInitiateLoginSes
sion&type=Browse&thm=66776683&MBVisaSignatureADLink=000305005e9500FAAJ7J&
MBVisaADLink=000305005f0100FAAJ7J

115. Mercedes-Benz Visa Signature Card

https://www.awardscatalog.com/epx/index.cfm?fuseaction=EPortal.AccountInitiateLoginSes
sion&type=Browse&thm=66776683&MBVisaSignatureADLink=000305005e9500FAAJ7J&
MBVisaADLink=000305005f0100FAAJ7J

116. Merrill+ Visa Credit Card https://www.card.ml.com/MLRewardsCenter/View-

Cards/MERRILL.htm

117. Metro PCS Prepaid Visa Card http://www.metropcs.com/visa/

118. Metro style Credit Card (formerly Lerner Catalog Credit Card)
https://www.metrostyle.com/Account/Apply_CreditCard.aspx

119. NAPA Credit Card http://www.napaautocare.com/easy-pay.aspx

120. Neiman Marcus Credit Card

http://www.neimanmarcus.com/store/service/ccapplication/agreement.jhtml

121. Nordstrom Credit Card http://about.nordstrom.com/nordstromfashionrewards/#bank_1

122. Nordstrom Platinum Visa http://about.nordstrom.com/nordstromfashionrewards/#

 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

123. Nordstrom Visa Signature Card

http://about.nordstrom.com/nordstromfashionrewards/#bank_1

124. Office Depot Credit Card (Personal)

http://www.officedepot.com/renderStaticPage.do?file=/creditcard/personal_info.jsp#odpers

125. Office Depot Worklife Rewards Visa

http://www.myworkliferewards.com/loyalty/visa/learnMore.do

126. OfficeMax Credit Card (Personal)

http://www.officemax.com/home/custom.jsp?id=m280004

127. Old Navy Credit Card http://oldnavy.gap.com/customerService/info.do?cid=44689

128. One Call Credit Card

http://www.onecall.com/FinancingOfferDetails.aspx?N=4294967000&FinancingOfferId=99

129. One Cause Visa Platinum http://www.onecause.com/onecause_visa

130. Options Xpress Platinum Visa

http://www.optionsxpress.com/promos/visa.aspx?sessionid=0

131. Overstock.com Rewards Visa https://www.overstock.com/cobrandintro

132. Payless Shoe Source Visa

https://www.barclaycardus.com/app/japply/lp/23114.jsp?campaignid=0000860&obadloc=00
8&obchannel=005
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

133. PayPal Debit Card https://www.paypal.com/cgi-bin/webscr?cmd=xpt/cps/account/DCIntro-

outside&nav=1.3.1

134. PayPal Plus Credit Card https://www.paypal.com/cgi-

bin/webscr?cmd=xpt/Marketing/general/PPPlusCC-outside

135. Pier 1 Credit Card http://www.pier1.com/BottomMenu1/CreditCard/tabid/121/Default.aspx

136. Pier 1 Rewards MasterCard http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_pier1_rewards&page=index

137. Planet Hollywood Credit Card

https://applications.usbank.com/oad/begin?locationCode=9692&preparerType=customer

138. Plum Card from American Express

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&bo
s=b&BUID=SBS&CRTV=A0000065JK&eep=22949&ct=30&PSKU=PML&PID=1&AFFID=T
BD&lpid=301&EAID=elCyaDYKozw-k4z6F9DD3ZIU0c7DR%2F84xg

139. Princess Cruises Credit Card

https://www.barclaycardus.com/app/japply/lp/21805.jsp?campaignid=0000839&obadloc=00
6&obchannel=005

140. QuickBooks Platinum Plus for Business MasterCard

http://www.bankofamerica.com/small_business/business_credit_cards/index.cfm?template
=quickbooks_plat_plus_business
141. Quicken Rewards Visa http://www.firstusa.com/cgi-
bin/webcgi/webserve.cgi?partner_dir_name=cac_quicken&page=index

142. Quik Trip Credit Cards http://www.quiktrip.com/qtcards/qtcc.asp

143. QVC QCard

http://www.qvc.com/qic/qvcapp.aspx/app.html/params.file.%7CqCard%7Cqcard.html?cm_r
e=HP-_-SITEMAP-_-MYACCOUNT:QCARDINFO

144. Rabbinical Assembly Credit Card http://www.cardpartner.com/app/ra

145. Radio Shack Credit Card

http://www.radioshack.com/uc/index.jsp?page=researchLibraryArticle&articleUrl=..%2Fgrap
hics%2Fuc%2Frsk%2FResearchLibrary%2FBuyersGuides%2Fresearch%2Fcredit.html

146. Rainbow Card Credit Card http://www.rainbowcard.com/Home.html

147. Saks World Elite MasterCard

http://www.saksfifthavenue.com/SaksFirst/saksfirst.jsp?ASSORTMENT%3C%3East_id=14
08474395222441&bmUID=1255194440913

148. Sam's Club Business Credit Card

http://www.samsclub.com/shopping/navigate.do?catg=11040

149. Sam's Club Credit Card http://www.samsclub.com/shopping/navigate.do?catg=11039

150. Sam's Club Discover Cash Back Card
http://www.samsclub.com/shopping/navigate.do?catg=11039

151. Sam's Club Discover Miles Card

http://www.samsclub.com/shopping/navigate.do?catg=11039

152. Sears Card Credit Card http://www.citibank.com/us/cards/srs/sears_card.jsp

153. Sears Commercial One Credit Card

http://www.citibank.com/us/cards/srs/commercial1.jsp

154. Sears Gold MasterCard http://www.citibank.com/us/cards/srs/sears_gold-mc.jsp

155. SEEDS Visa http://www.cardpartner.com/app/seeds

156. Select Comfort Credit Card

http://www.selectcomfort.com/eng/storeSection/financing.cfm?lefNavId=4

157. 7-Eleven Visa Credit Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?pdn=cac_7eleven&page=index

158. Sheetz MasterCard http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_sheetz&page=index

159. Shopko Visa

https://www.juniper.com/app/japply/lp/25698.jsp?campaignid=0001058&obadloc=003&obc
hannel=034
160. Shop NBC Credit Card http://www.shopnbc.com/privatelabelcc/?cm_re=BN-_-CreditCard-
_-N

161. Shop NBC MasterCard http://www.shopnbc.com/privatelabelcc/?cm_re=BN-_-CreditCard-

_-N

162. ShopRite Rite-Rewards MasterCard http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=shoprite_choice&page=cont&mkid=6K8P

163. Sit4Less.com Credit Card http://www.sit4less.com/GECAF/index.html

164. Six Flags Platinum MasterCard http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_six_flags&page=index

165. Smith Barney Chairman Card

http://www.smithbarney.com/products_services/credit_cards/citi_chairman/?4

166. Smith Barney Citi PremierPass Card

http://www.smithbarney.com/products_services/credit_cards/citi_card_sbelite/index.html?3

167. Smith Barney Platinum Select MasterCard

http://www.smithbarney.com/products_services/credit_cards/platselmc.html?2

168. Smith Co Visa http://www.cardpartner.com/app/smithco

170. Sotheby's Credit Card
https://www.onlinecreditcenter6.com/consumergen2/login.do?subActionId=1000&clientId=s
othebys&accountType=dualcard

171. Starbucks Card Duetto Visa https://www.starbucks.com/card/

172. Target Credit Card https://redcard.target.com/redcard/rc_main.jsp

173. Target Visa Card https://redcard.target.com/redcard/rc_main.jsp

174. Toys "R" Us & Babies "R" Us MasterCard Credit Card http://www.firstusa.com/cgi-
bin/webcgi/webserve.cgi?partner_dir_name=toys_champpl_aug08&page=cont&mkid=6TL0

175. Travelocity Rewards MasterCard

http://leisure.travelocity.com/Promotions/0,,TRAVELOCITY%7C3415%7C01,00.html?WA1
=03030&WA2=3368&WA3=12&WA4=060905_barclays_card_mountain_455&WA5=IM

176. Victoria's Secret Credit Card

https://onlineaccess2.mycreditcard.cc/victoriassecret?Action=Intro.jsp

177. Wal-Mart Credit Card

https://www.onlinecreditcenter2.com/walmartstorecard/Apply_Now.html

178. Wal-Mart Discover Card http://www.walmart.com/catalog/catalog.gsp?cat=111847

 PREPAID, SECURED AND STUDENT CREDIT CARDS

1. All-Access Visa Prepaid Card https://www.allaccesscard.com/prepaid-debit-

card/applyNow.m

2. Allow Card Prepaid MasterCard http://www.allowcard.com/

3. Account Now Prepaid Master Card http://cstrk.net/files/off/gen.aspx?a=XLMUW1

4. American Express Card for Students

http://www201.americanexpress.com/apply/Fmacfservlet?csi=1/6143/b/3/0/087153741892/
0/n&Card_name=StudentCard&link=CARD_SELCTOR

5. American Savings Bank Secured Visa http://www.asbhawaii.com/personal/1_3_3_3.php

6. American Savings Bank Student Secured Visa
http://www.asbhawaii.com/personal/1_3_3_4.php

7. Applied Bank Secured Visa

https://onlineacceptance.appliedbank.com/displaySecureCardOffer.do?packType=3026&ci
d=5KNUW1

8. Applied Bank Secured Visa Gold Credit Card

https://onlineacceptance.appliedbank.com/displaySecureGoldCardOffer.do?packType=303
7&cid=HKNUW1

9. Bank of America Secured Visa https://www6.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page

10. Bank of America Student Visa Platinum https://www5.bankofamerica.com/credit-

cards/marketinglist.action?context_id=marketing_list&category_id=2002

11. Chase +1 Student MasterCard

https://app.firstusa.com/ICBatch/?PID=CHT4&SPID=BY3C&CAT=0&CELL=6H90&MSC=L
SBROWSEALLPAB&AFFID=9C.eSeL3cao-iJQhcjiDN2iUeNsFvFWjcg

12. Citi Forward Card for College Students

http://creditcards.citicards.com/usc/citiforward/single/external/affiliates/Q309/college/default
.htm?app=UNSOL&app_COL=COLLEGE&sc=46EZA3T9&sc_COL=4CECA3S9&m=90K90
0000SW&langId=EN&siteId=CB&B=V&screenID=3124&link=Consumer%5F77648053&Pro
spectID=50DED2FEBEF0477D90D4D7E36CA54F0B

13. Citi Platinum Select Card for College Students

https://www.citicards.com/cards/acq/Apply.do?app=COLLEGE&sc=4CPCW3A8&m=70SR0
0000BW&langId=EN&siteId=CB&B=V&screenID=3007
14. Citi Secured MasterCard http://www.citicards.com/cards/wv/cardDetail.do?screenID=940

15. Discover® Student Card**

https://www.discovercard.com/cardmembersvcs/acqs/app/getapp?sc=rhrv&iq_id=i91z6vqg
n1qvawrtygs0

16. Discover® Student Open Road Card** http://www.discovercard.com/credit-cards/

17. Eufora Prepaid Credit Card http://links.ncsreporting.com/OtherOffers.html

18. Fifth Third Bank Secured MasterCard

https://www.53.com/wps/portal/pv?New_WCM_Context=/wps/wcm/connect/FifthThirdSite/P
ersonal/Credit+%26+Debit+Cards/Credit+Cards/Secured+MasterCard/

19. Finium Prepaid MasterCard https://secure1.galileoprocessing.com/acct4/docs/fn/

20. First Premier Bank Corporate Credit Cards

http://www.firstpremier.com/business/treasury/corporate-cards/

21. First Premier Gold Credit Card

https://www.firstpremierbankgold.com/Default.aspx?appid=RL0607311551PNQOL

22. First Vineyard Prepaid Credit Card

http://www.firstvineyard.com/?s=170600&h=57229846

23. First Miami Student Credit Union Visa

http://www.fmscu.org/index.php?dynamItAction=content.show&id=17
24. Key Bank Student Credit Card https://www.key.com/html/student-credit-card.html

25. Merrick Bank Secured MasterCard

https://secure.merrickbank.com/SecuredCard/Default.aspx?js=1

26. Mio Prepaid Credit Card https://www.miocard.com/

27. MYV U Platinum Select Visa Card for College Students

http://creditcards.citicards.com/usc/citiforward/search/Q309/v3/default.htm?app=UNSOL&a
pp_COL=COLLEGE&sc=46EZA3T9&sc_COL=4CECA3S9&m=90K900000ZW&langId=EN
&siteId=CB&B=V&screenID=3124&link=Consumer%5F48422176&ProspectID=D55244230
1DC4D199D26FD678BF0709A

28. MY plash Prepaid Credit Card http://myplash.com/

29. National City PayCard Direct https://www.nationalcity.com/main/pages/choosezip.asp

30. New Millennium Bank Secured MasterCard or Visa

https://securesite.icommissions.com/nmbgoldcreditcards/index.php?hid=h87945281h&aid=
35507

31. Orchard Bank MasterCard

http://www.orchardbank.com/ecare/cards?docId=Cards_Tab_data_cards_ob_sp7_xml&WT
.svl=300

32. PAY JR Prepaid Credit Card http://www.payjr.com/

33. Payoneer Cash Link Prepaid MasterCard http://www.payoneer.com/

34. Ready Debit Visa http://www.readydebit.com/

35. Sony Student Visa http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_sony_stu&page=index

36. Sovereign Bank Student Credit Card

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FACQZD

37. Starbucks Student Card Duetto Visa http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=cac_starbucks_stu&page=index

38. State Farm Student Credit Card

http://www.statefarm.com/bank/credit_cards/s_visa/s_visa.asp

39. US Bank Young Adult Visa Card

http://www.usbank.com/cgi_w/cfm/creditcards/young_adult/young_adult_visa.cfm

40. Wells Fargo College Visa Credit Card https://www.wellsfargo.com/credit_cards/student/

41. Wells Fargo Secured Credit Card https://www.wellsfargo.com/credit_cards/secured/

42. Western Union Prepaid MasterCard http://www.westernunion.com/info/selectCountry.asp

 GAS CARDS

1. BP Business Solutions MasterCard Fleet Card http://www.bpbusinesssolutions.com/

2. BP Business Solutions Fuel Card http://www.bpbusinesssolutions.com/

3. BP Gasoline Card (BP Gas Credit Card) http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=bp_pl_nopremium&page=cont&MKID=690N

4. Chevron Business Credit Card http://www.chevrontexacobusinesscard.com/

5. Chevron Credit Card / Texaco Credit Card http://www.chevrontexacocards.com/

6. Chevron Texaco Visa

https://www.onlinecreditcenter2.com/dualcardimages/generic/chevron/en/landing_visa.html

7. Citgo Celebrity Credit Card

http://www.citgo.com/CreditCash/CITGOCards/CITGOCelebrity.jsp
8. Citgo Fleet Credit Cards
http://www.citgo.com/CreditCash/CITGOCards/CITGOFleetPrograms.jsp

9. Citgo MasterCard Credit Card

http://www.citgo.com/CreditCash/CITGOCards/CITGOMasterCard.jsp

10. Citgo Plus Card http://www.citgo.com/CreditCash/CITGOCards/CITGOPlus.jsp

11. ExxonMobil Business Credit Card http://www.exxon.com/USA-

English/GFM/How_to_Buy/ExxonMobil_Business_Card.asp

12. ExxonMobil Credit Card http://www.exxon.com/USA-

English/GFM/How_to_Buy/ExxonMobil_Card.asp

13. ExxonMobil Fleet Credit Card http://www.exxon.com/USA-

English/GFM/How_to_Buy/ExxonMobil_Fleet.asp

14. ExxonMobil MasterCard http://www.citibank.com/us/cards/exmbl/exmb_mstr.jsp

15. Exxon Preferred Credit Card http://www.exxon.com/USA-

English/GFM/How_to_Buy/ExxonMobil_Preferred.asp

16. Giant Eagle Fuel perks! Credit Card

https://onlineaccess.mycreditcard.cc/gianteagle?Action=Intro.jsp

17. Marathon Platinum MasterCard http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?pdn=marathon_aep_mar07&page=cont&mkid=6W7H
18. Shell Credit Card
https://www.accountonline.com/ACQ/Apply?app=UNSOL&sc=QOATNI00&m=0000047339
0&siteId=PLOC_SHELL

19. Shell Fleet Credit Card http://www.citibank.com/us/cards/shell/fleet-crd.jsp

20. Shell MasterCard

http://www.shell.us/home/content/usa/products_services/shell_cards/mastercard/mastercar
d_calculator.html

21. Shell Select Member Credit Card

https://www.accountonline.com/ACQ/Apply?app=UNSOL&sc=QOATFI00&m=0000047187
0&siteId=PLOC_SHELL

22. Sunoco Credit Card http://www.sunocoinc.com/site/Consumer/ApplyforaCreditCard.htm

23. Sunoco Fleet Credit Cards

http://www.sunocoinc.com/site/Consumer/ApplyforaCreditCard.htm

24. Sunoco MasterCard http://www.sunocoinc.com/site/Consumer/ApplyforaCreditCard.htm

25. Sunoco Universal Card

http://www.sunocoinc.com/site/Consumer/ApplyforaCreditCard.htm#SunCard
 BUSINESS CREDIT CARDS

1. Amazon.com Business Credit Card

http://www.amazon.com/gp/cobrandcard/marketing.html/ref=cobrand_ch_b2/182-3086995-
4961456?ad=0001&pr=bus321&inc=30stmt&place=marketing&plattr=none&imp=23863313
291&refplace=marketing_con321

2. American Express Business ExtrAA Corporate Card

http://corp.americanexpress.com/gcs/cards/bx/default.aspx

3. American Express Business Gold Rewards Card

http://www201.americanexpress.com/sbsapp/FMACServlet?request_type=alternateChanne
ls&lpid=298&openeep=123&ccsgeep=456/12121&PID=1&BUID=SBS&PSKU=BGR&CRTV
=BGRSCLP&EAID=elCyaDYKozw-VTxXBBgtD1mPHYu92EQx0g

4. American Express Business Green Rewards Card

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&ct
=64&bos=b&eep=22110

5. American Express Business Platinum Card

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&bo
s=b&BUID=SBS&CRTV=A000005TY3BPC&eep=22388&ct=16&EAID=elCyaDYKozw-
LAbvZF*WncN11ZXqzePrUA&PSKU=BPC&PID=1&PID=1&BUID=SBS&PSKU=BPC&CRT
V=A000005TY3BPC&EAID=elCyaDYKozw-LAbvZF%2AWncN11ZXqzePrUA&lpid=96
6. American Express Corporate Card http://corp.americanexpress.com/gcs/cards/

7. American Express Executive Business Card

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&bo
s=b&eep=16662&ct=15

8. American Express Platinum Business Credit Card

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&ct
=48&bos=b&eep=22110

9. American Express Simply Cash Business Card

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&bo
s=b&ct=75&eep=22109

10. Blue for Business from American Express

https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&bo
s=b&ct=46&eep=22109

11. Citi Business Card

https://www.citicards.com/cards/acq/Apply.do?screenID=3005&app=UNSOL&siteId=BAO&l
angId=EN&sc=6V3ZG3Y7&B=V&m=2CPO010000W&ProspectID=01DD6DCDC17442AEA
99389B294F6224A

12. Costco True Earnings Business Card from American Express

http://www201.americanexpress.com/sbsapp/FMACServlet?request_type=alternateChanne
ls&lpid=303&openeep=123&ccsgeep=456/7869&PID=1&BUID=SBS&PSKU=COS&CRTV=
COSSCLP&EAID=elCyaDYKozw-JoLqinN0L9tsF1%2AjhpLCdA

13. First Bank Business Visa Credit Card (California, Colorado)

https://www.efirstbank.com/business/creditcards/visacreditcard.html
14. GM Business Credit Card https://www.gmbusinesscard.com/GMBusinessCard/

15. GM Card (GM Flexible Earnings Card) https://www.hsbcapply.com/start/gmflexcard

16. GM Extended Family Card https://www.gmextendedfamily.com/GMExtendedFamily/

17. Office Depot Business Credit Card

http://www.officedepot.com/renderStaticPage.do?file=/creditcard/business_info.jsp#odbiz

18. Office Depot Worklife Rewards Visa Business Card

http://www.myworkliferewards.com/loyalty/visa/learnMore.do

19. OfficeMax Credit Card (Business)

http://www.officemax.com/home/custom.jsp?id=m280004

20. OfficeMax Credit Card (Corporate)

http://www.officemax.com/home/custom.jsp?id=m280004
 LARGE BANKS AND MISC CREDIT CARD OFFERS

1. AAdvantage Bronze MasterCard from Citi

https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=4XUZA288&m=4MNWZC
CWAWW&langId=EN&siteId=CB&B=A&screenID=3001
2. AAA Rewards Visa Credit Card (Northern California, Nevada, Utah)
http://www.firstusa.com/cgi-
bin/webcgi/webserve.cgi?partner_dir_name=cac_aaa_northern_ca_nv_ut&page=index

3. AAdvantage American Express from Citi

https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=BXDIW267&m=6MNWZC
CW3WW&langId=EN&siteId=CB&B=X&screenID=303 3

4. AAdvantage Bronze MasterCard from Citi for College Students

https://www.citicards.com/cards/acq/Apply.do?app=COLLEGE&sc=4CTCW2D8&m=70SR0
0000LW&langId=EN&siteId=CB&B=M&screenID=3008

5. AAdvantage Citi Business Card

http://creditcards.citicards.com/usc/business/AA/Q4/dual/multichannel/default.htm?screenI
D=3006&app=UNSOL&siteId=BAO&langId=EN&sc=6VVZE6B7&B=M&m=NSBC030000W
&BT_TX=1&ProspectID=EE3D74E4DA8643ACAB8F6ED2C3997F4E

6. AARP Rewards Platinum Visa Credit Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=aarp_rewards&page=cont
7. AARP Travel Plus Visa Signature Card
https://www.chase.com/index.jsp?pg_name=ccpmapp/cms/special_offers/page/AARP_Trav
el_Plus

8. Air Canada Credit Card https://www5.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090RAEF0050
6700140761EN000&requestTimeout=120&router_flag=y

9. The American Express Gold Card http://www201.americanexpress.com/getthecard/learn-

about/Preferred-Rewards-Gold

10. American Express Platinum Card http://www201.americanexpress.com/getthecard/learn-

about/Platinum-Card

11. American Express Platinum Cash Rebate Card

https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/phaseib/platinumcashrebate
.do?vgnextoid=2a4cc6d528ac6110VgnVCM200000d0faad94RCRD&vgnextchannel=e2cb0
db3915e7010VgnVCM10000084b3ad94RCRD&name=platinumcashrebate&type=intprodu
ct

12. American Express Preferred Rewards Gold Card

https://www201.americanexpress.com/cards/Applyfservlet?csi=76/18566/b/240&PID=1&BU
ID=CCG&PSKU=PGO&CRTV=AMEXGOLD&AFFID=tbd&EAID=elCyaDYKozw-
Uw3GB%2A59Cq86km%2Akh9RhXA

13. American Express Rewards Plus Gold Card

http://www201.americanexpress.com/getthecard/learn-about/Rewards-Plus-Gold

14. American Savings Bank Visa http://www.asbhawaii.com/personal/1_3_3_1.php

15. American Savings Bank Visa Gold http://www.asbhawaii.com/personal/1_3_3_2.php

16. Am Trust Bank Rewards American Express Card

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?directMail=true&sc=UAAJW5

17. Am Trust Bank World Points Credit Card

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?directMail=true&sc=UAAFUA

18. AT&T Universal Business Rewards Card

http://creditcards.citicards.com/usc/ATT/Business/CreditCard/openmkt/q109pricing/default.
htm?BTData=C02127E7460617459544A43BEBEB5ACA499918493FEF6F6E8EAC5C2D6
EC663D6&BT_TRF=678549&BT_CON=73&app=UNSOL&sc=6VGZF349&m=2CK901000
0W&langId=EN&siteId=ATT&B=V&screenID=3104&BT_PRD=127&link=Consumer%5F108
523370&ProspectID=DAE141C525FF4198BE0E0604C93632DA

43. AT&T Universal Savings Platinum Card

https://www.citicards.com/cards/wv/cardDetail.do?screenID=951&origincontentId=CONSU
MER&CONTENT_TYPE=constituency_detail

44. AT&T Universal Savings & Rewards Card

https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=6UJZJ398&m=4000438CB
0W&langId=EN&siteId=AC&B=M&screenID=3003&uc=2VP&t=t

45. Banco Popular Credit Cards http://www.bancopopular.com/us/personal/cards/us-per-car-

credit-cards-en.jsp

46. Bancorp South Credit Card http://www.bancorpsouthonline.com/home/personal/credit

47. Bancorp South MasterCard Business Card
http://www.bancorpsouthonline.com/home/business/credit

48. Bank of America Accelerated Cash Rewards American Express Card

https://www6.bankofamerica.com/credit-
cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM0908ATY0030
0100145160EN000&requestTimeout=120&router_flag=y

49. Bank of America Cash Rewards Credit Card https://www5.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page

50. Bank of America Choice Privileges Visa https://www6.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page

51. Bank of America Visa Gold https://www5.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page

52. Bank of America Visa Signature with World Points

https://www5.bankofamerica.com/credit-
cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM0908AYB0040
6800151520EN000|2003329|5T

53. BB&T Visa Business Credit Card

http://www.bbt.com/business/products/visacreditcard/default.html

54. BB&T Visa Corporate Card

http://www.bbt.com/business/products/visacorporatecard/default.html

55. BB&T Visa Purchasing Card

http://www.bbt.com/business/products/visapurchasingcard/default.html
56. Blue from American Express
https://www201.americanexpress.com/cards/Applyfservlet?csi=38/31211/b/10

57. British Airways Visa Signature Card http://www.firstusa.com/cgi-

bin/webcgi/webserve.cgi?partner_dir_name=british_airways_20k_kit&page=cont&mkid=6Z
HB

58. Capital Bank Credit Cards http://www.capitalbank-

nc.com/personal_banking/personal_products/debit_credit_atm_cards/prime_advantage_cr
edit_cards.html

59. Central Bank Credit Cards (Illinois)

http://www.centralillinoisbank.com/consumerlending.html

60. Central Bank Credit Cards (Kentucky) https://www.centralbank.com/personal/creditcards

61. CFCU Credit Union Visa http://www.mycfcu.com/personal/borrowing.htm#visa

62. Charter One Circle Rewards MasterCard http://www.charterone.com/tools/error.aspx

63. Charter One Platinum MasterCard http://www.charterone.com/tools/error.aspx

64. Chase Freedom Credit Card http://www.chasefreedomnow.com/

65. Citi Diamond Preferred Rewards American Express Credit Card
https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=BDRZ1497&m=60000000
00W&langId=en&siteId=CB&B=X&uc=2JN&t=t&screenID=3017

66. Citi Platinum Select MasterCard

http://creditcards.citicards.com/usc/platinum/affiliate/Q309/default.htm?BTData=C02127E7
460617459544A43BEBEB5AFAC989B8492F8FAF0EFEAC5C2DE3BE63D6&BT_TRF=67
8904&BT_CON=73&app=UNSOL&sc=4T3ZJDQ9&m=7CK9000000W&langId=EN&siteId=
CB&B=M&screenID=3000&uc=3JY&t=t&link=Consumer%5F27020748&ProspectID=E2548
9F9649941EC9FDD10E5C2FB49E1

67. Citizens & Northern Bank Credit Cards

https://online1.elancard.com/oad/begin?locationCode=9257&preparerType=customer

68. Comerica Bank Credit Cards http://www.comerica.com/vgn-ext-

templating/v/index.jsp?vgnextoid=9b3e90857cf83010VgnVCM1000004302a8c0RCRD

69. Commerce Bank Commerce Miles Visa Gold (Kansas, Missouri, Illinois)
http://www.commercebank.com/personal/cards/credit/commerce-miles/?rd=1

70. Commerce Bank Special Connections Credit Card (Kansas, Missouri, Illinois)
http://www.commercebank.com/personal/cards/credit/special-connections/

71. Continental Airlines World MasterCard https://www.continental.com/web/en-

US/content/products/chase/continental.aspx?offer=WL00&FS=1&mkid=6G5T

72. Credit One Bank Credit Cards http://www.creditonebank.com/credit-cards.aspx

73. Delta Sky Points Credit Card from American Express

https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/phaseib/deltaskypoints.do?
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

vgnextoid=671e2a38e6ac6110VgnVCM200000d0faad94RCRD&vgnextchannel=e2cb0db3
915e7010VgnVCM10000084b3ad94RCRD&name=deltaskypoints&type=intproduct

74. Discover Open Road Card** http://www.discovercard.com/credit-cards/

75. Dollar Bank City Pride Visa http://www.dollarbank.com/creditcard/visacitypride.aspx

76. Dollar Bank Valued Customer Visa http://www.dollarbank.com/creditcard/visa.aspx

77. Farm Bureau Bank MasterCard http://www.farmbureaubank.com/CreditCards

78. Fifth Third Bank Professional MasterCard

https://www.53.com/wps/portal/pv?New_WCM_Context=/wps/wcm/connect/FifthThirdSite/P
ersonal/Credit+%26+Debit+Cards/Credit+Cards/Professional+MasterCard/

79. Fifth Third Bank Responsible MasterCard

https://www.53.com/wps/portal/pv?New_WCM_Context=/wps/wcm/connect/FifthThirdSite/P
ersonal/Credit+%26+Debit+Cards/Credit+Cards/Responsible+MasterCard/

80. First Bank Rewards American Express Credit Card (California, Illinois, Missouri,
Texas)
https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?directMail=true&sc=UAAJW8

81. First Bank of San Luis Obispo Credit Cards https://www.firstbankslo.com/consumer-

credit-cards.php
 OX FUNDING 2010 CREDIT CARD LIST WITH APPLICATION LINKS
Provided By; www.oxfunding.com www.legalcpn.com

82. First Financial Credit Union Credit Cards (New Mexico)

http://www.ffnm.org/ApplyforaCard.aspx

83. First Hawaiian Bank Credit Cards https://www.fhb.com/creditcards.htm

84. First Interstate Bank Credit Cards

https://www.firstinterstatebank.com/personal/credit_cards.php

85. First Merit MasterCard or Visa Standard

http://www.firstmerit.com/personal/cards/mcStandard.aspx

86. First Merit Visa Platinum Card http://www.firstmerit.com/personal/cards/index.aspx

87. First National Bank Omaha Bucks Back Visa

http://www.firstnational.com/001/html/en/personal/cardproducts/creditcards/credit_card_mai
n.html?utm_id=16

88. First National Bank Omaha Commercial Edition Visa

http://www.firstnational.com/001/html/en/personal/personal.html

89. First National Bank Omaha Maximum Rewards Visa Credit Card
http://www.firstnational.com/001/html/en/personal/cardproducts/creditcards/credit_card_mai
n.html?utm_id=16

90. First National Bank Omaha Platinum Edition Visa

http://www.firstnational.com/001/html/en/personal/cardproducts/creditcards/credit_card_mai
n.html?utm_id=16
91. First National Bank of St. Louis Credit Cards
https://www.fnbstl.com/pages/bankingCategory.aspx?tid=2600

92. First National Bank & Trust Credit Cards (Arkansas) http://www.fnbmh.com/credit.htm

93. First National Bank & Trust Credit Cards (Florida)

http://www.firstbankcardservices.com/

94. First National Bank & Trust Credit Cards (Michigan)

http://www.fnbimk.com/FillForms/CardApp.asp

95. First Responders Credit Card http://www.firstresponders.com/products/credit_cards/

96. First Trust Bank Credit Cards

https://www.yourbankcard.com/welcome/jsp/dynapp/prodlist.jsp?bank=firstrust

97. First Security Bank Credit Cards (Arkansas)

http://www.fsbank.ifworld.com/personal_banking/additional_services

98. First Security Bank/First State Bank Credit Cards (Montana)

https://www.fsbmsla.com/persCardsCredit.cfm

99. First Tennessee First Travel Visa https://www.firsttennessee.com/

100. 5Star Bank Credit Cards http://www.afbabank.com/Afba_Bank/credit_card_screen_1.htm

101. Florida Atlantic University Credit Card https://www6.bankofamerica.com/credit-
cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090AAJL0050
080011769EN000&requestTimeout=120&router_flag=y

102. Franklin Templeton Bank & Trust Platinum MasterCard

http://www.ftbank.com/ftb/jsp/content_ns.jsp?url=/credit_card/cc_main_p

103. Huntington Bank World Points Credit Card

https://www.huntington.com/pas/HNB1500.htm

104. Iberia Bank MasterCard http://creditcards.iberiabank.com/?afid=0010-A57230248

105. Iberia Bank MasterCard Gold Cash Bank http://creditcards.iberiabank.com/?afid=0010-

C57230252

106. Iberia Bank Visa Platinum Rewards Card

http://creditcards.iberiabank.com/?afid=11cardratingsibplatinum

107. Jeep Rewards Visa https://portal.rewards-

catalog.com/BankOfAmericaWeb/appmanager/bac/jeep?_nfpb=true&_pageLabel=pFrontP
orch&_nfls=false

108. JetBlue Business Card from American Express

http://www201.americanexpress.com/sbsapp/FMACServlet?request_type=alternateChanne
ls&lpid=299&openeep=123&ccsgeep=456/13497&PID=1&BUID=SBS&PSKU=JBL&CRTV=
JBLSCLP&EAID=elCyaDYKozw-4ZJBsi6xXW2FsDp0kOPMkA
109. Miles by Discover® Card
https://www.discovercard.com/cardmembersvcs/acqs/app/getapp?sc=k3ne&iq_id=i94a777
m44ocneutit0p

110. MINI Platinum Visa Credit Card http://www.4myminicard.com/

111. M&T Bank Visa

https://www.mtb.com/personal/loanscredit/creditcard/Pages/CreditCardDetail.aspx

112. National City Everyday Rewards Visa

https://www.nationalcity.com/main/pages/choosezip.asp

113. National City Points Visa https://www.nationalcity.com/main/pages/choosezip.asp

114. National City Scrapbook Rewards Visa

https://www.nationalcity.com/main/pages/choosezip.asp

115. National City Travel Rewards Visa

https://www.nationalcity.com/main/pages/choosezip.asp

116. National City Visa Buxx Card https://www.nationalcity.com/main/pages/choosezip.asp

117. National City Visa Travel Money Prepaid Credit Card

https://www.nationalcity.com/main/pages/choosezip.asp
118. PNC Bank Business Credit Card
https://www.pnc.com/webapp/unsec/Solutions.do?siteArea=/PNC/Home/Small+Business/B
usiness+Loans+and+Credit/Business+Credit+Cards/

119. PNC Bank Select Rewards Visa

https://www.pnc.com/webapp/unsec/Solutions.do?siteArea=/PNC/Home/Personal/Cards/P
ersonal+Credit+Cards

120. Precious Moments Credit Card https://www4.bankofamerica.com/credit-

cards/marketingdetail.action?context_id=marketing_detail&offer_id=ECOMM090QVUI0050
0800119462EN000&requestTimeout=120&router_flag=y

121. Rainier Pacific Bank Credit Cards

http://www.rainierpac.com/content.asp?chapterID=43&subchapterID=49&pageid=142#Cred
it-Cards-Washington-Bank-Rainier-Pacific

122. RBC Bank Business Credit Cards http://www.rbcbankusa.com/businesscreditcards/cid-

96811.html

123. RBC Bank Low Rate Visa Gold http://www.rbcbankusa.com/creditcards/cid-95704.html

124. Sovereign Bank MasterCard or Visa

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FACQY7

125. Speedway Super America Credit Cards http://www.speedway.com/CreditAndPrepaid/

126. Speedway Super America MasterCard

http://www.speedway.com/CreditAndPrepaid/SSAMasterCard.aspx
127. Visa Black Card
https://www.blackcard.com/app/japply/lp/26183.jsp?campaignid=0001072&obcreative=000
0000&obadloc=022&obchannel=005&ibchannel=03&partnerid=1394&referrerid=CJNBWT0
002&AID=10640678&PID=1426657&SID=124057232544

128. Wachovia Visa

https://www.wachovia.com/foundation/v/index.jsp?vgnextoid=543ffbfaba0aa110VgnVCM10
00004b0d1872RCRD

129. Wells Fargo Prime Rate Visa Credit Card http://www.indexcreditcards.com/

130. Wyndham Rewards MasterCard https://www6.bankofamerica.com/credit-

cards/cardoverview.action?context_id=overview_page
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

”What lender use which credit bureau?”

This section contains the names of which bureau pulls from which credit bureau. Use the
information below to maximize your inquiry to loan approval ratio.
EXPERIAN EQUIFAX TRANSUNION

RBM OF ATLAN
Automotive

WELLS FARGO BANK

All Banks - non specific

TUXEDO PARTNERS
INC
Automobile Dealers, New

RED CHECK
All Others - Business
Machines, Catering,
Vending Machines,
Schools, Aircraft Leasing,
Railroads, Clubs, Lodges,
Shopping Centers, Travel
Agencies

CIC CREDIT
Finance Reseller

EXPERIAN BUSINESS
CRED
Credit Bureaus

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 1
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

PAYMENTECH
Credit Card Processors

WELLS FARGO BANK

All Banks - non specific

WELLS FARGO BANK

All Banks - non specific

WELLS FARGO BANK

All Banks - non specific

WESTERN UNION
FINANCE
Finance Companies - non
specific

FIRST DATA
MERCHANT SV
Credit Card Processors

WELLS FARGO BANK

All Banks - non specific

PROTECTION
SECURITY
Home Security Company

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 2
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

FIA CSNA
All Banks

COMCAST-ATLANTA
Telephone Companies

ACCREDITED
Other

DIRECTV
Miscellaneous Utilities

AT&T SERVICES, INC.

Telephone Companies

BK OF AMER
Banks and S&Ls

ON-SITE MANAGER
INC
Tenant Screeners
(Reseller)

CAPITAL ONE BANK

USA
All Banks

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 3
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

CAP ONE
Banks and S&Ls

BANK OF AMERICA
Bank Credit Cards

AT&T SERVICES, INC.

Telephone Companies

THE HERTZ
CORPORATIO
Miscellaneous

THE HERTZ
CORPORATIO
Miscellaneous

LEXISNEXIS/RESIDENT
DA
Tenant Screeners
(Reseller)

EXPERIAN EQUIFAX TRANSUNION

WANDA W.
CROSS ATTOR
Legal & Related
Services

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 4
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

DYNAMIC RS
Other

SPRINT NEXTEL
Telephone
Companies

EXPERIAN EQUIFAX TRANSUNION

T-MOBILE
Utilities and fuel

AT&T
SERVICES, INC.
Telephone
Companies

VERIZON
WIRELESS - D
Telephone
Companies

AT&T
SERVICES, INC.
Telephone
Companies

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 5
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

CAPITAL ONE
Auto Financing

CAPITAL ONE
BANK USA
All Banks

VERIZON
WIRELESS
Wireless
Telephone Service
Provider

T-MOBILE
Utilities and fuel

AT&T
SERVICES, INC.
Telephone
Companies

WELLS FARGO
CARD SER
National Credit
Card Cos.

CREDCO
Finance, personal

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 6
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

Credit Inquiries
This section contains the names of those who obtained a copy of your credit report.
Inquiries remain on your report up to two years.
EXPERIAN EQUIFAX TRANSUNION

AMG MOTORS
INC
Automobile
Dealers, Old

MAXIMUM
AUTO OUTLET
Automobile
Dealers, Old

CARMAX
Auto Financing

WELLS FARGO
DEALER S
Auto Financing

CARMAX
Auto Financing
Companies

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 7
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

EXPERIAN EQUIFAX TRANSUNION

DISCOVER
FINANCIAL S
National Credit
Card Cos.

NAVY FEDERAL
CU
National Credit
Card Cos.

NAVY FCU
Credit Unions

CREDIT UNION
OF TEXA
Credit Unions

CREDIT UNION
OF TEXA
Credit Unions
9

NATIONAL REC
Collection services

SEWELL
VILLAGE CADIL
Automobile
Dealers, New

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 8
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

NAVY FCU
Finance other than
personal

GECRB/AMAZON
Banks and S&Ls

ONEMAIN FI
Personal Loan
Companies

PLAIN GREEN
Finance, personal

SANTANDER
AUTO
Auto Financing

WELLS FARGO
DEALER S
Auto Financing

FREEMAN PONT
Automotive

AMERICAN
HONDA FINAN
Auto Financing

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 9
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

CAPITAL ONE
Auto Financing

FIFTH THIRD
Banks and S&Ls

COAF
Finance, personal

WESTERN SKY
Personal Loan
Companies

CHASE
Bank Credit Cards

FDNG STE
Mortgage
Reporters

CHASE
Bank Credit Cards

WESTERN SKY
Personal Loan
Companies

BANK OF
AMERICA
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 10
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

Bank Credit Cards

GECRB/TJX DC
Banks and S&Ls

EXPERIAN EQUIFAX TRANSUNION

WELLS FARGO
BANK
Bank Credit Cards

FSCR
Miscellaneous
Reptg. Agencies

CREDIT PLUS
Mortgage
Companies

EECU
Credit Unions

CHASE
All Banks

CAPITAL ONE
Auto Financing

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 11
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

ALLY
FINANCIAL
Auto Financing

SANTANDER
CONSUMER U
Auto Financing

FIFTH THIRD
Banks and S&Ls

COAF
Finance, personal

VANDERGRIFF
Automotive

JPMORGAN
CHASE BANK
All Banks

CALIFORNIA
REPUBLIC
All Banks

WELLS FARGO
DEALER S
Auto Financing
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 12
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

JPMORGAN
CHASE BANK
All Banks

EECU
Credit Unions

WFDS
Auto Financing
Companies

WFDS/WDS
Finance other than
personal

CONN CREDIT
CORP
Sales Financing

BIUSA
Miscellaneous
Reptg. Agencies

CR TECHINC
Mortgage
Reporters

MACYS/DSNB
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 13
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

Department And
Variety Stores -
non specific

KOHLS/CAPONE
Complete Dept.
Stores

FORT WORTH
TELCO CR UN
Credit Unions

AT & T
SERVICES INC
Telephone
Companies

RPI-LD
Miscellaneous
Reptg. Agencies

EXPERIAN EQUIFAX TRANSUNION

LEXISNEXIS
Miscellaneous
Reptg. Agencies

ACS
EDUCATION
SERVIC
State
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 14
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

SALLIE MAE
Finance, personal

AT & T
SERVICES INC
Telephone
Companies

AT&T
SERVICES, INC.
Telephone
Companies

EXPERIAN EQUIFAX TRANSUNION

TIME WARNER
CABLE -
Miscellaneous
Utilities

DOMINO
REALTY MGT CO
Property And
Property
Management
Companies

BRCLYSBANKDE
Banks and S&Ls

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 15
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

BANK OF
AMERICA
Bank Credit Cards

RBS/CITIZENS
BANK
All Banks

CHASE
Bank Credit Cards

AMEX
Bank Credit Cards

CAP1/BEST BUY
National Credit
Card Cos.

CHASE
Bank Credit Cards

EXPERIAN EQUIFAX TRANSUNION

OLD UNION FI
Finance,
personal

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 16
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

CBNA
Bank Credit
Cards

COMCAST
CABLE
HOUSTO
Miscellaneous
Utilities

WELLS FARGO
BANK
All Banks - non
specific

MIDWST
FIDEL
Collection
services

WELLS FARGO
BANK
All Banks - non
specific

SPRINGLEAF
FIN SRVCS
Personal Loans
Cos.
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 17
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

WELLS FARGO
BANK
Bank Credit
Cards

WELLS FARGO
BANK
All Banks - non
specific

CAPITALONE
Bank Credit
Cards

HSBC NV
Banks and S&Ls

CAPITAL ONE
All Banks

UNIV GUARD
A
Finance,
personal

ONEMAIN
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 18
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

FINANCIAL
Personal Loans
Cos.

EXPERIAN EQUIFAX TRANSUNION

SALLIE MAE
Finance, personal

CHASE BANK NA
Bank Credit Cards

WEX, INC.
All Banks - non
specific

ON-SITE MANAGER
INC
Tenant Screeners
(Reseller)

CHASE BANK NA
Bank Credit Cards

CAPTL ACCESS
Finance, personal

AT & T SERVICES
INC
Telephone Companies

CAPTL ACCESS
Finance, personal

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 19
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

OFF LEASE ONLY

INC
Automobile Dealers,
Old

CAPITAL ONE
Auto Financing

WELLS FARGO
DEALER S
Auto Financing

CARMAX
Auto Financing
Companies

SANTANDER
CONSUMER USA
Finance Companies -
non specific

COAF
Finance, personal

CREDCO
Miscellaneous Reptg.
Agencies

ONEMAIN
FINANCIAL
Personal Loans Cos.

PEARL CAPITAL
Bulk Purchase Finance
- General

ON DECK CAPITAL
Personal Services
Confidentiality Notice: This document is intended for the exclusive and confidential use of the 20
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

(Non-Medical) - non
specific

ACRANET/CAPITAL
STACK
Personal Loan
Companies

EXPERIAN
BUSINESS CRED
Credit Bureaus

GECRB/LOWE'S
BRC
Miscellaneous

CAP1/BEST BUY
National Credit Card
Cos.

CAPTL ACCESS
Finance, personal

BIRD SVCS
Real estate and public
accommodations

MARLIN
Equipment Leasing

LSE PROC CTR

Finance, personal

WF EQUIPMENT
FINANCE
All Others - Business
Machines, Catering,
Vending Machines,
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individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

Schools, Aircraft
Leasing, Railroads,
Clubs, Lodges,
Shopping Centers,
Travel Agencies

CAPITAL ONE
BANK USA
All Banks

CAP ONE
Banks and S&Ls

PNC BANK
All Banks - non
specific

PNC BANK
All Banks - non
specific

LARA'S TRUCKS,
INC.
Automobile Dealers,
New

ASHRO
Mail Order Firms

GECRB/BELK
Complete Department
Stores

PNC BANK
All Banks - non
specific

WELLS FARGO
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individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

DEALER S
Auto Financing

CAPITAL ONE
Auto Financing

SANTANDER AUTO
Auto Financing

AMERICAN CREDIT
ACCE
Auto Financing

COAF
Finance, personal

AVIS BUDGET CAR

RENT
Miscellaneous

GEORGIA'S OWN
CREDIT
Credit Unions

NEWLOGIC BUS
LOANS/CAN
Finance Companies -
non specific

ADVANCEME
INC/CAN
Finance Companies -
non specific

CAPTL ACCESS
Finance, personal

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 23
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

TRULIANT
FEDERAL CRE
Miscellaneous

REAGIN LG
Other

CAP1/BEST BUY
National Credit Card
Cos.

CAPITAL ONE
AUTO FIN
Auto Financing
Companies

CAPITAL ONE
AUTO FIN
Auto Financing
Companies

CAPITAL ONE
AUTO FIN
Auto Financing
Companies

APD/HENNESSY
CADILLAC
Automobile Dealers,
New

EXPERIAN EQUIFAX TRANSUNION

FINGERHUT/WEBBANK
Mail Order Firms

FIRST PREMIER BANK

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individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

All Banks

C I G FINANCIAL
Personal Loans Cos.

WELLS FARGO
DEALER S
Auto Financing

REGIONAL
ACCEPTANCE
Personal Loans Cos.

SAFCO
Auto Financing

EXETER FIN
Finance, personal

SANTANDER
CONSUMER USA
Finance Companies - non
specific

SAFCO
Finance, personal

FLAGSHIP CRE
Finance, personal

DELRAY BUICK
Automotive

AUTO FINANCE DIV OF

AC
Auto Financing Companies

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individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

ADP/MAROONE FORD
Automobile Dealers, New

WEBBANK/BML
Finance, personal

T-MOBILE
Utilities and fuel

BCO DE RESER
Banks and S&Ls

VERIZON WIRELESS
Wireless Telephone
Service Provider

AMERICAN EXPRESS
All Banks - non specific

CYNERGY DATA LLC

Equipment Leasing

FDCS/PNC MERCHANT
SVC
Credit Card Processors

NA BANCARD ACQ
Miscellaneous

AMERICAN EXPRESS
All Banks - non specific

NA BANCARD ACQ
Credit Card Processors

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individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

PAYMENTECH
Credit Card Processors

TOTAL MERCHANT
SERVICE
Credit Card Processors

LEASE CORP OF
AMERIC
Finance Companies - non
specific

MERCEDES BENZ OF
POM
Automobile Dealers, New

CREDIT
PLUS/AMERICAN H
Mortgage Brokers

RICK CASE HONDA

Automobile Dealers, New

COMCAST - LAKE
COUNT
Telephone Companies

DEFENDER SECURITY
Services, Not Elsewhere,
Etc.

DIRECTV LLC
Cable TV Providers

DIRECTV
Miscellaneous Utilities

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 27
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
 DCB LIST.COM (DIRECT BUREAU APPROVALS)
Direct Credit Bureau Lender List

OFFICEDEPOT/CBNA
Miscellaneous

MERCEDES BENZ- FT.

L
Automobile Dealers, New

ROADLOANS
Auto Financing

CAPITAL ONE BANK

USA
All Banks

CAP ONE
Bank Credit Cards

RPI-LD
Miscellaneous Reptg.
Agencies

CAPITAL ONE
Auto Financing

NCO FINANCIAL
SYSTEMS
Mortgage Reporters

WELLS FARGO BANK

NEVAD
Bank - Mortgage
Department

Confidentiality Notice: This document is intended for the exclusive and confidential use of the 28
individual or entity owner. Unless otherwise expressly indicated this document is confidential
and privileged information of www.DCBList.Com. Any dissemination, distribution or copying
of this material is strictly prohibited.
6
 Limits of Liability / Disclaimer of Warranty:

The authors and publisher of this book and the accompanying materials have used their best efforts in preparing
this program.

The authors and publisher make no representation or warranties with respect to the accuracy, applicability, fitness,
or completeness of the contents of this program.

They disclaim any warranties (expressed or implied), merchantability, or fitness for any particular purpose.
The authors and publisher shall in no event be held liable for any loss or other damages, including but not limited to
special, incidental, consequential, or other damages.

As always, the advice of a competent legal, tax, accounting or other professional should be sought. The authors and
publisher do not warrant the performance, effectiveness or applicability of any sites listed in this book. All links are
for information purposes only and are not warranted for content, accuracy or any other implied or explicit purpose.

This manual contains material protected under International and Federal Copyright Laws and Treaties.

Any unauthorized use of this material is prohibited.

Adobe, Adobe Acrobat and related names are the property or Adobe Systems Incorporated.
No relationship with or endorsement of this publication by Adobe Systems Incorporated should be inferred.

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TABLE OF CONTENTS
INTRODUCTION: A WISE INVESTMENT!....................................................................................................................................4

CHAPTER 1 : CREATE A BUSINESS THAT GETS CREDIT EASILY ..........................................................................6

THE WISDOM BEHIND HOW THE IRS VIEWS YOU ...............................................................................................................................6

UNWISE BUSINESS IDEAS ........................................................................................................................................................................8
TYPES OF BUSINESSES AND THE IMPACT ON BUSINESS CREDIT ..........................................................................................................9

CHAPTER 2: BUSINESS CREDITOLOGY 101.............................................................................................................................12

THE THREE BUREAUS ...........................................................................................................................................................................12

SOME BASIC BUSINESS CREDIT CONCEPTS.........................................................................................................................................14
THE SCORING MODELS OF THE DNB...................................................................................................................................................15
PERSONAL GUARANTORS AND GUARANTEES DEMYSTIFIED .............................................................................................................17

CHAPTER 3. GETTING MERCHANT CREDIT ...........................................................................................................................19

WHAT YOU SHOULD KNOW BY NOW.....................................................................................................................................................19

TYPES OF VENDORS THAT WILL GIVE YOU INSTANT CREDIT .............................................................................................................19
WHY VENDOR CREDIT IS IMPORTANT.................................................................................................................................................22

CHAPTER 4: ALL ABOUT CREDIT CARDS AND CREDIT LINES.........................................................................................23

TRUE BUSINESS CREDIT CARDS ...........................................................................................................................................................23

WHO GIVES OUT BUSINESS CARDS? ....................................................................................................................................................24
WHAT’S AN UNSECURED CREDIT LINE AND HOW IT FUNCTIONS .....................................................................................................25

CHAPTER 5: PUTTING IT ALL TOGETHER: A STEP BY STEP PLAN................................................................................26

WATCH AND FOLLOW GURU IN ACTION TO LEARN ....................................................................................................................26

THE FIRST FEW UNSECURED CREDIT CARDS AND A CREDIT LINE OF UP TO $100K ......................................................................30
YEAR 1 AND BEYOND.............................................................................................................................................................................31

THE OTHER OPTION: SHELF COMPANIES:.............................................................................................................................33

DEFINITION OF A SHELF COMPANY .....................................................................................................................................................33

WHAT A BROKER ISN’T GOING TO TELL YOU ...................................................................................................................................34

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TABLE OF CONTENTS (CONT'D)

CHAPTER 8: SOME FINAL WORDS OF WISDOM, PASSIVE INCOME OPPORTUNITIES, AND GOOD RESOURCES
FOR FINANCING................................................................................................................................................................................36

APPENDIX OF VENDORS.................................................................................................................................................................37

APPENDIX OF BANKS ......................................................................................................................................................................48

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 INTRODUCTION: A Wise Investment!

M a tt S a y s …
“The world of business credit consists of two separate groups of people, the Masters and the
Apprentices. The main divider between both is knowledge, for there is nothing the Master can do
that the Apprentice can’t.”

You now have the one source that will save you thousands of dollars in lost broker fees, bad advice and
scams. For some, that’s worth the price of the book already. If I had a teacher (in a book or in person)
like this when I was starting out building my business credit, it would have saved me countless of hours of
research, headaches and awful expensive advice.

When I was an Apprentice in the world of Business Credit, I ran into countless brokers or business credit
services providers in this market who knew nothing, yet charged $6000 - $25,000 a pop for shelf
companies, credit lines and other over the top offers. I often heard tall tales about what is and isn’t
possible with a company. I was confused, distraught and felt completely lost in the dark. Every second
that passed by, I felt that I was somehow losing ground. If you find yourself in the same situation, rest
assured, you are not alone. This is the common fate of the business credit Apprentice.

Alternatively, business credit Masters exist and operate in a different realm. They flow in and out of the
business world being able to attain lines of credit, credit cards, and letters of credit without any difficulty.
They are rarely ever led astray or misled for they know what is possible and what isn’t. Not only are they
able to guide their own credit identities using certain time tested principles, but they also never ask any
business credit brokers for advice even though some may opt to use a broker’s services. For our purposes,
these Masters are considered Guru s. They can exist as teachers, leaders or at the very least
knowledgeable entities in the realm of business credit. I am a Guru . And if you’re willing, I’m going to
teach you how to become one.

What you’re reading now is a straight to the point hands-on approach to understanding and creating
business credit for your startup. That’s right; Startup. And not the kind that has raised $50M from a
venture capitalist in Silicon Valley. I’m talking about the old fashioned startups that most of us create on
a shoestring (or non-existent) budget. Throughout the book, I assume you have no revenues and no
clients. If you find yourself in a better position than that, good, but it’s hard for me to imagine a startup in
a worse position. Frankly, it doesn’t even matter if you’re incorporated yet and actually better if you’re
not as I discuss the benefits and problems with each individual entity. I lay it all out for you in an easy to
read guide that you can come back to over and over again.

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 As you’ll notice, the book is rather brief. Being a Guru , I have no time or use for fluff and neither do you.
I cut through the falsifications and exaggerations to deliver the truth. The truth rarely requires
explanation. You need a fast and straight to the point approach because you’re not going to get it from
very many other sources on the internet.

Before moving forward, you should know that I’ve created this book from a perspective of knowledge and
giving. It is so important in understanding and getting business credit that if you took away all of the
bankers I have come to know, all the credit specialists I speak to regularly, all the seminars I’ve attended,
all the websites and user forums I’ve researched, and left me just this book, I would know all of what I
needed to know to launch a business, get credit and spend almost nothing out of my own pocket! Now
that’s what a Guru would teach you.

I am the Guru and you are my Apprentice. Let’s Get Started.

IMPORTANT

If you like what I have to say and are looking for some great passive income opportunities I discuss later
in the book, do us and yourself a huge favor. Become an affiliate with the Business Credit Guru and
promote this book. As you’ll see, I don’t tout myself as being a Guru for no reason. I know the ins and
outs and have no need to lie to exaggerate the truth. Help your fellow entrepreneurs get the right
education in this oft elusive market. We give away large commissions to our affiliate partners and even
let you in on marketing tips and secrets for generating regular income. Click here to learn more and join.

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 CHAPTER 1: CREATE A BUSINESS THAT GETS CREDIT EASILY

Matt Says…
“A properly organized company will bear many fruits from the business credit tree.”

The Wisdom Behind How the IRS Views You

In our world, the IRS cares about one thing and one thing only: getting paid what’s owed to them. They
couldn’t care less as to who is doing the paying as long as someone, or something, pays them what’s
owed. There is an entire world of wisdom in that realization yet it escapes many business owners.
Instead, many entrepreneurs start off in the wrong direction right away by assuming that their business and
they are one and the same. They’re not. The IRS doesn’t seem to want to agree with that idea. So why
should you? You are a separate entity from your business unless you’re a sole proprietor.

Guru : Tip
Sole Proprietorships usually come with big and often dire consequences to the entrepreneur in the
realm of business credit.

Guru : Recommendation
“Stay Away from Them!”

Let’s clarify. When you go to a CPA to file taxes at year’s end, the IRS taxes both you and the business.
Of course, it’s a lot more complicated than that, but the IRS already knows that (unless you are sole
proprietorship) you and your business are two different entities. They treat you like two different entities.
This is advantageous. If your business is separate from you, then so should be your business credit. Our
goal in creating business credit is simply to get everyone to view us as separate entities, and not just
the IRS.

Our dilemma of course is that initially credit bureaus, banks and other merchants don’t view us as separate
entities. They don’t behave like the IRS in allowing you to separate yourself from your business at the
onset. In this case, it is not to their advantage. They don’t have any security in the business as it has not

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 produced any revenues and don’t have a track history of prompt payments. What’s worse is that
throughout the life of a business, most owners won’t do enough to separate themselves from the business.

Business owners are so busy creating revenues (as they should be) or lining up funding that the world of
business credit is as foreign a concept to them as nuclear engineering. Remember when you were young
and your parents told you that establishing good credit history will save you a lot of headache and money
over the years? Well they were right! The Guru is now telling you that as an entrepreneur establishing
credit history for your business is just as important and if not more important than your personal
credit history.

Your business is a source of income for you. A way to pay bills and perhaps one day lead a lifestyle you
read about in books or watch in movies. The only thing you can count on for income after yourself (and
perhaps your spouse) is your business. And as such, it should be treated with respect, nurtured, regularly
monitored, and cultivated.

I can’t tell you the number of times I get business owners who want credit after being in operation for 3
years and haven’t ever taken a look at a copy of their business credit report. I think this is just amazing
and massively detrimental. Some have no other source of income other than the business yet when I
mention things such as “Your business credit score is too low” or “There are tax liens on your business
credit profile” they get insulted, frustrated and of course angry. The reason being is that most of the time
when someone *really* wants business credit, it’s at the 11 th hour when they’ve finally gotten an
opportunity to buy something at wholesale prices from a foreign source, or a large purchase order from a
major manufacturer. And as we all know, anything done in the 11 th hour is expensive, frustrating and
often bears ill results.

Guru: Tip
Not Being Aware of Your Business Credit Score is a Recipe for 11th Hour Frustrations and Let
Downs

Guru: Recommendation
“Regardless of whether you are starting a knitting shop selling your blankets for $4.99 a pop or a
software company trying to secure it’s first $30M in seed money, stay AWARE of your business
credit!”

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 Unwise Business Ideas

There are a few things you need to stay away from as far as startup ideas are concerned. The reasons for
this are simple. As a startup you’re already viewed as a risk. 90% of startups fail in their first year, and so
vendors are leery of new businesses. If I was selling laptops and you came up to me to let me know
you’re A) a startup B) would like a credit line C) don’t want to give me a personal guarantee D) don’t
want me to check your credit and E) want me to only hold the company responsible for repayment, I’d
wish you the best of luck and walk away.

I suppose it’s a good thing that I don’t run Dell, Home Depot and Staples, because they’ll honor that kind
of request, but we’ll get into that later. Right now let’s concentrate on getting some basics out of the way
so the remainder of the path isn’t confusing. There are a few business ideas that seem like they’re home
runs on paper but in truth are going to lead you into some serious credit problems down the road.

If you’re starting up and looking for business ideas, these are a few to stay away from. If you’ve got a
multi billion dollar plan for one of these ideas, I definitely don’t want to tell you to abandon it. Just know
that the deck is stacked against you as many people will refuse to deal with you on ethical, legal or
financial accountability basis. Here they are:

i. Anything associated with Adult Entertainment

ii. Online Gambling Casinos
iii. A Business that buys/sells Financial Notes
iv. A Real Estate Investment Firm (my personal favorite)

The first category, Adult Entertainment, doesn’t really need to be explained in too much depth so I’ll skip
it. Just know that putting anything remotely associated with the industry is automatic grounds for denial
for most banking credit and quite a few merchants as well.

The second category is where it gets interesting. A while ago, I got approached by a group of young kids
trying to startup an online casino; they called it “poker school”, and wanted to amass large credit lines to
handle their cash inflows and outflows. Apparently these guys were some local poker sharks in the area
and had amassed quite a bit of money as they were talking about paying someone $50K to set up a shelf
company (discussed later) and get some credit going for them. They heard about me from one of my
Apprentices turned Guru and were really excited about my methods.

At the time, I had never considered going down this road for a potential client base and was a bit excited
by the challenge. I called around a few banks and got one of my trusted expert credit officers on the line
and discussed the idea with him. He flat out told me that 99% of the banks he knew of would consider
this request simply because of their industry. I was quite taken aback. Apparently gambling institutions
are not a hot ticket item for banks despite the obvious cash flow implications. Some banks won’t even let
these institutions open up checking accounts.

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 The reasons for this vary from State to State, but the gist is that as gambling is outlawed in most states,
and any entity dealing with gambling not pre-approved by the state is going to be penalized. Since banks
are the most regulated institutions in the country, it’s no surprise that no one wants to take any risk
associating themselves with an outfit that is potentially doing something illegal. Most banks simply won’t
risk it.

Guru: Tips
Developing Credit and Banking Relationships is Key to becoming a Guru

Financial note sellers and real estate investment firms are lumped into the same category as far as banking
relationships are concerned. Both are considered high risk industries due to the sheer amount of defaults,
non payments, and inexperienced managers. Real estate investment firms are especially frowned upon
because of the lack of stability in this market on “flipping” properties. Startups looking for money or
credit are always troublesome and heavily scrutinized. Many companies that have long business histories
often have the idea of buying distressed real estate properties and start looking for credit to do so. Though
its certainly possible to attain business credit lines, explicitly getting credit for investment purposes is
usually grounds for an automatic denial. From a financing perspective, being as expensive as they are
with respect to interest rates, general investing simply does not deliver the type of return that would make
the credit line worth while anyway.

Types of Businesses and the Impact on Business Credit

In order to become a Guru , first you must learn about foundations of business legalities. The reason being
is that in most cases it’s important to understand how a C corporation gets credit versus how a Partnership
would get credit. I use the term credit loosely for the time being. I will start dissecting its meaning in a
few chapters down the road. For now, it’s sufficient to know that credit is granted by someone or
something and that entity, the Credit Grantor, is who we are focused on.

In the world of business credit, what kind of legal entity your company is, has a direct impact on how
credit will be granted to you. A Buddhist belief beckons that boredom is one of the keys to enlightenment.
If that’s so, the following section is both, enlightening and boring.

Guru: Tip
Credit Grantors view the world in a different way. Evolving from Apprentice to Guru requires one
to take a look from their perspective and not your own.

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 Sole Proprietorships

In the world of Guru s and Credit Grantors, Sole Proprietorships are always a sign of hidden problems. As
an entrepreneur, they do little for you. They offer limited protection from any lawsuits and do not create a
separate business identity aside of a tax ID number and a starting platform for doing business. Typically, I
consider these the lazy way to be in business.

As I said earlier, I advise against Sole Proprietorships. Things such as personal tax liens and collections
can easily be reflected in your business credit profile. Your personal credit will rebound quickly from
these types of faux pas, but your business credit will not. There are plenty of entrepreneurs out there who
have operated for years as a sole proprietorship and then decide to incorporate as either an S or C
corporation. In my professional experience, 80% of this group often has hidden liens, judgments and
collections that are showing not only against their personal credit but also on their business credit. These
are rather difficult to eliminate, so why even bother with the hassle?

Guru: Recommendation
“Don’t be lazy. If your business is producing income; incorporate.”

Partnerships

These are a better option for business credit rather than sole proprietorships, but still have some serious
limitations. First limitation is that a partnership is again, a “de facto” way to be in business without really
taking the time to incorporate. Hence, it too, offers little protection. Each partner is considered a sole and
separate entity that is joined with the other(s) to transact under one Tax ID number. This advice is of
course limited to small business entrepreneurs and not established corporations that decided to form a
partnership agreement to do business under.

The problem we often run into here though is that Credit Grantors usually look at the partners as equal
shares in the company. This may work against those in the situation where one partner’s credit score is
terrible (we’re going to need credit scores to get business lines of credit and credit cards). In that case,
little if anything can be done.

Corporations

There are two types, S and C corporations. Despite the common perception that C is better than S in
business credit decisions, I have never experienced any proof of why this is or if it’s even a valid
statement. Both are fine. And both leave quite a bit of wiggle room when a business owner has bad credit
scores. Getting alternative guarantors on corporations is easy as updating with the state’s filing status and
appropriate papers and then waiting for seasoning requirements by banks.

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 LLC’s

In the business world, the added advantage of an LLC over a corporation is that through a few residential
lenders, the LLC can get independent residential financing. Residential financing can be granted to a
LLC, instead of the individual, if the loan to home value ratio is low (usually 65% or lower). The credit
scores of the owners of the LLC (or the operating managers) have to be good to grant this loan and the
LLC has to be an income generating business that can pay the balance of the mortgage through its profits.
There are (to date) NO stated or no income documentation programs.

I mention this little tidbit of information for the large sea of would be real estate investment firms that are
constantly looking for business credit. This is one way with one caveat. If you’re a LLC with an array of
credit lines and are arranging a loan to buy residential real estate, you’ll have to show how you’re coming
up with the large down payments. In the case when I’ve worked with LLC’s who were borrowing against
credit lines to come up with the down payment, the request was always declined. Always!

Business credit for LLC’s is easily attainable but once again, just as in the case of the corporations, the
overwhelming majority of managing partners need to have stellar credit in order to qualify for the bank
credit lines and credit cards. This advice applies to startups and business entities that do not have an
established business credit history. There are ways to qualify for both without personal credit checks or at
the least, without as much emphasis on personal credit.

Guru: Recommendations
LLC’s and Corporations have equal weight in the business credit world with LLC’s having the
added advantage of being able to qualify for certain types of financing by themselves

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 CHAPTER 2: BUSINESS CREDITOLOGY 101

Matt Says…
“When in Doubt, Understand that All Knowledge Extends From a Few Fundamental Concepts.”

The Three Bureaus

In the last section you may have picked up on me referring to bank credit lines and merchant lines of
credit. If you were confused about how these differ, I will clear them up in this section.

But, let’s start with the bureaus first. Understanding the what, the who, and the how of the organizations
that are actually creating and monitoring your company’s business credit will greatly help in
understanding the range of what is and isn’t possible.

Guru: Tips
Credit Grantors look at the data from credit bureaus to determine if a corporation is worthy of
credit.

Guru: Recommendations
“Learn as much as you can about the different types of credit bureaus and how they keep score”

There are multiple credit bureaus in the business credit world and just like in the personal credit market,
they are not run by a governmental body. All credit bureaus are independent organizations that operate by
selling credit information to businesses or consumers. In the business realm, there are 3 major credit
bureaus and a few minor ones. The big three are:

Dunn and Bradstreet (DNB)

Experian Business
Equifax Business

By far, the most commonly used bureau is Dunn and Bradstreet, or DNB for short. Unlike the personal
credit markets, businesses inquiring about another entity’s credit do not pull all three bureaus. The reason
being is that it’s simply too expensive. On average, each report can cost anywhere from $9.99 to $149.99

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 for a single pull without a volume account. If pulling all three bureaus was the norm, businesses would be
spending potentially $400+ getting credit for a company. On average, most companies will pull two credit
reports: DNB and Experian.

The major difference between the bureaus is the number of businesses each one reports on in its database
and the scoring system(s) they use. Each bureau has a separate and unique scoring system. We’ll dive
into these systems later, but for now its enough to know unlike the personal credit market where a 700
score means the same thing for all three personal credit bureaus, a 225 score from DNB is not the same as
a 225 score from Experian Business (225 doesn’t even exist as a potential score from Experian).

Experian Business and DNB credit reports on a business account for 99% of all the reports I have come
across to date. Once a business requests credit from a given merchant or bank the vendor will pull a credit
report through one of these bureaus. For example, let’s say a small distribution company called Pacific
Distribution sells office products to Bay Area law firms. In an effort to expand business, the shareholders
decide to court a big Southern California client and receive a huge order for various office products. Let’s
also assume that Pacific Distribution is a very small outfit (3 man show) and is incredibly cash poor.
Instead of paying their suppliers in cash which would leave them severely depleted in reserves, the owners
rather request a $50,000 revolving credit line from each supplier to help manage cashflows. To date,
Pacific has made no such request from any vendor and its business credit profile has never been pulled. If
all the suppliers use Experian to pull credit, Experian will be the first one notified that Pacific Distribution
is seeking credit and will create a new file for the company. There is little the owners can do to modify
the information provided to the credit bureau and cannot proactively create a new file with Experian.

The reason why this is important is that DNB is the only bureau to date that provides a way for new
companies with no pre-existing relationships with suppliers or other vendors to create a credit file. After
getting a Tax ID number, the shareholders or officers of that organization can call the DNB proactively
and request a DNB number (DUNS number) for their company. They can also input preliminary
information such as length of time in business, names of shareholders, sales, employees, etc.

Guru: Tip
The DNB uses a proprietary online credit management system called DNBi. It is by far the most
comprehensive database of information on over 100 million companies. Credit Grantors often use
this system to request information about a particular company.

Once a DUNS number is assigned, a new credit file for the company is created and an overall score, called
the Paydex, is provided. The Paydex is one of 3 different scores used by DNB to provide credit
information on a company. What the Paydex is and its importance is discussed later, but what’s important
to note here is that the Paydex is just one of a few different scoring systems from DNB. There are others

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 (Commercial Credit Score and Financial Stress Score). The Paydex can be built to really high levels
but in the end it’s PART of the entire picture, not all of it.

Some Basic Business Credit Concepts

Most suppliers (or vendors), such as office supply stores, gas stations, computer outfits, usually use DNB
to grant store credit to a given legal entity. In other words, if I was to create a brand new C-corporation in
state of California with a DUNS #, I can request a store credit card or credit line from RadioShack or
OfficeMax with nothing more than my DUNS# and my incorporation papers. Usually, no credit checks
are used and in quite a few cases personal credit information is not even requested. When a retail business
grants credit to be used within its chain of stores (I’m using the word stores loosely, it can mean anything
from gas stations, office supply stores, etc) I call it vendor or merchant credit.

Vendor credit can be easily and quickly built from a slew of well known vendors as big as Staples and
Texaco, to ghost stores that don’t sell any products but can be used to inflate the size of your credit lines.
This latter of type of credit is often associated with shelf companies that we will discuss in depth in later
chapters of this book. For the time being it is sufficient to know that the concept exists.

Bank credit, unlike vendor credit, is a parallel concept to credit cards. Banks give unsecured (as in they
do not encumber any asset) credit lines to organizations that are within the bank’s credit risk. Depending
on various banks, the risk assigned to a specific borrowing entity may entirely or partially depend on
factors such as:

Company’s credit scores and the scores of the guarantors

Company’s Industry
Company’s credit grade
Amount of time present management has been in place
Revenues and Income of the Company
Length of time company has been in business

These credit lines can be used for any business purpose but are most often used for proper cash flow
management. Bank credit lines always require prime credit scores from the guarantors, not necessarily
the shareholders. To qualify, the guarantors must be one of the officers of the company that are
mentioned in the company’s Articles of Incorporation or Operating Agreement.

Guru: Tip
You should see now why its beneficial to have a corporation or LLC instead of a sole proprietorship,
general partnership, etc. Guarantors are not the same as the shareholders of the company and can
come and go. This leaves for a lot of maneuverability down the road.

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The Scoring Models of the DNB

As a startup, or an established business with little prior business credit history, you really need to focus
only on one type of business credit bureau. And that happens to be the DNB. DNB offers multiple scores,
as in more than one, on a given company and there are three that we need to really take a look at:

1) The Paydex
2) The Overall Commercial Credit Score and
3) The Financial Stress Score.

The Paydex is the easiest score to maintain and is often mistaken as the only score the DNB provides. As
they say in France, “au contraire mon frere”. This mentality is a true novice mistake. Many an
entrepreneur with perfect Paydex scores have gone down the path of requesting credit and financing only
to be declined because of “Serious Derogatory or Delinquency” items found on the credit report. I can’t
begin to tell you the number of times I have found myself discussing this issue with clients. The Paydex is
used as an indicator for how prompt the company is in paying its bills. That’s it. It’s not the end all be all
of credit scores and is only part of the picture.

The following chart breaks down the scores of the Paydex and what they mean:

D&B PAYDEX Score Payment Habit

1 0 0 Anticipate
90 Discount
80 Prompt
70 15 days beyond terms
60 22 days beyond terms
50 30 days beyond terms
40 60 days beyond terms
30 90 days beyond terms
20 120 days beyond terms
UN Unavailable

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 Commercial Credit Score (CCS) is the next big item and is often completely
overlooked by entrepreneurs when assessing their own company’s creditworthiness. The importance is
akin to the overall FICO score of the company and is often used in determining whether a company is
creditworthy. It is this score that is often the determining factor in bank credit line decisions. The
Commercial Credit Score creates a statistical model for the likelihood of a company being delinquent, or
90 days past terms to any of its vendors over the next 12 months. In other words, the CCS, shows whether
or not the company may default or be delinquent at some point in the future. It’s a predictive score that
anticipates when a company will generally pay its bills.

A table of these scores and how they rank is provided below:

Commercial Credit Score Credit Score

Credit Score Percentile Class
536-670 91-100 1
493-535 71-90 2
423-492 31-70 3
376-422 11-30 4
101-375 1-10 5

If it’s not obvious from the table, anything below a 400 Commercial Credit Score is usually grounds for
automatic denial of credit. I have seen few companies with scores below 400 get approved for bank credit
lines. Once a company reaches and maintains itself among the higher echelons of credit scores in the
chart above, less emphasis is put on the personal FICO score of the shareholder in credit based decisions.

Guru: Tips
The Paydex and Commercial Credit Score account for most of the criteria that Credit Grantors
look for when approving or declining a credit request. To determine how much credit to grant is
dependent upon the recommended credit limit by the bureau.

Guru: Recommendations
“Periodically check your business credit scores. It never hurts to know how good or bad you look to
a Credit Grantor.”

The final score that is taken into consideration is the Financial Stress Score. This score predicts the
likelihood of a firm going out of business without paying its creditors in full, reorganizing, filing for

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bankruptcy protection and/or relief from its creditors over the next 12 months. Here is the scoring model
used by the DNB:

Financial Stress Score

Financial Stress Incidence of
Percentile
Stress Score Financial
Score Range
Class Rang Stress
1377-
1 21-100 0.49%
1875
1353-
2 11-20 1.37%
1376
1303-
3 5-10 3.73%
1352
1225-
4 2-4 8.30%
1302
1001-
5 1 35. 80 %
1224

All scores are normalized using other factors such as company size in terms of employees, annual
revenues reported from the year prior, public filings, trade payments made, length of histories with
vendors, etc and given a fourth rating, called a Composite Credit Appraisal. These can be classified into
two separate categories: 1) companies that provide financial data to DNB and 2) companies that don’t.
The latter, and this is important, can never get above a “Good” or 2 rating on the system. To get the
highest rating possible, A1, a company must report its financials to the DNB.

As a startup, the only scores you need to worry about for right now are the Paydex and the Commercial
Credit Score. Once we get into how to create business credit, I’ll dive into both of these a bit more and
how you should monitor them. For right now, just think of this section as a good reference guide.

Personal Guarantors and Guarantees Demystified

x A great deal of ignorance lies in this statement:

“I want to get $1M in business credit but I don’t want to give out a personal guarantee.”

Every time you find yourself thinking of such a statement, understand that you are thinking like an
Apprentice and not a Guru . Guru s know that personal guarantees are a part of every, and I do mean, every
credit and lending decision. Even credit cards have within them a personal guarantee clause. Essentially,
 all a personal guarantee is that you pledge your assets (your bank account, your home, your cars, and your
credit) to the payment of a specific debt. A personal guarantee means that you are personally
guaranteeing the debt. A bank or a merchant would be foolish not to ask for one. It would be like me
going up to you to buy something from your store and saying “I don’t want to be held liable for the debt in
case I can’t make payments on this item.” That’s a pretty foolish request. Yet many are lulled into this
false sense of security that personal guarantees are somehow not needed on certain financing and credit
decisions. It simply isn’t true.

Checking personal credit and/or encumbering personal assets though are completely separate matters. A
personal credit check may be required by the Credit Grantor to ensure that the individual asking for the
credit request is credit worthy. In other words, does the individual have a good personal credit history that
shows a track record of making prompt payments on similar requests when credit has been granted? This
step may or may not be a part of a given credit decision.

To encumber something on the other hand, in the business sense, means to put a physical lien or other
security instrument against it. That is considered collateralizing your assets to secure a loan and is not the
same as a personal guarantee.

Therefore, a guarantor is an individual (or group of individuals) who have the assets and/or the credit to
support the prompt payment of the credit request plus the interest. In credit and lending decisions, a
guarantor personally guarantees repayment of debt through their own assets in case the debt defaults. A
lender may or may not choose to collateralize the guarantor’s assets to complete this guarantee. It is not
always required.

Guru: Tip
You’d be surprised to find out that a few individuals don’t understand this simple concept and use
the terms credit checks and guarantees synonymously. If in doubt, ask what they mean.

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 CHAPTER 3. GETTING MERCHANT CREDIT

Matt Says…
“Once the fundamentals are known to the Apprentice, the journey towards becoming a Guru
consists of fortitude, perseverance and exercising their knowledge”

What you should know by now

I neglected to put this section at the end of the last chapter because reviews are most beneficial when done
beginning an experience, rather than when ending it. Before moving forward, I have provided some terms
that you should have a good understanding of by now. From this point forward, I will use these terms
interchangeably:

DNB, DNBi
Equifax Business
Experian Business
Business Credit Bureaus
Commercial Credit Score
Paydex
Financial Stress Score
DUNS Numbers
Vendor Credit Lines
Bank Credit Lines
Personal Guarantors
Personal Guarantees
Credit Grantor

Types of vendors that will give you instant credit

We will now begin to take our knowledge of the fundamentals and begin to create credit. If you’re with
me so far, the next few sections and chapter are the equivalent of a graduate course in business credit. I
will go through step-by-step how we’re going to get your company from where it’s at currently to have a
large amount of credit lines from vendors and banks in as short of a time as possible.

Believe it or not, phone companies, wireless providers and a whole slew of office product companies will
give your company credit without any financial or personal credit information. These are the easiest types

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 of vendor credit to attain and being a startup our goal is to get a total of 20 vendors reporting to our
business credit file in 90 days. Here are the *types* of merchants that grant credit to startup firms.

Phone Companies and Local Broadband

AT&T is available in most areas and they provide an easy way to get a business account. All you need is
your Tax ID information and maybe your articles of incorporation/organization to verify that you are in
fact a legitimate business. Usually, a phone company will setup an account for you without using any
personal credit information. The only thing that I would suggest here is to find a way to get yourself in
your local pages listing. This will help you in getting listed in case a merchant decides to do company
verification. Most phone companies will provide this as an option for you and if they do not, do ask your
sales representative on how you can get this setup.

Guru: Tip
An 800 number greatly enhances the profile of your company and makes it look like more than just
you running your firm out of your home.

Guru: Tip
“Always make sure your company has an 8** number”

Next, your representative should give you the option of setting up a broadband type of service (via cable
or DSL) through your account. This is also a good idea, though you may want to shop around for the
cheapest provider as its not always necessarily going to be your phone company. Depending on what
you’re doing with your business, I highly recommend starting slow and then building up. And that means
starting cheap. DSL/cable modems can be instantly activated to faster speeds so there’s no need to get the
latest greatest services available with high transfer speeds. Start making some revenue first and then
upgrade as you see fit.

Your phone company may also ask you if you’d rather use VOIP (voice over IP) service. This is gaining
in popularity and is cheap, fast and flexible. If you’re on a shoestring budget and need to place a high
volume of calls for your business but can’t afford the long distance charges, this is not a bad option. Just
ensure that you are listed in the phone books and have a 411 listing to your business. That should
accommodate what we’re trying to accomplish.

Wireless

Wireless phone providers (Sprint, Nextel, T-mobile, AT&T, etc) ALL provide business accounts for
startup companies. I’ve found though that the page links to get started with ordering business services is
not readily available on their websites. Instead, you’ll have to call into the new customer service
departments and ask for information on how to setup business accounts. One of the reps will usually

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 provide information (in some cases, they may ask you to visit a local dealer with a copy of your articles of
incorporation/organization and a utility bill of your company). In all cases, these wireless companies will
grant as many as 20 lines for your firm. If you need them, they’re there, but having seen quite a few
entrepreneurs start companies and fail, I have some golden advice for you. Only spend cash if it somehow
increases your productivity, increases your revenue or decreases your expenses. Don’t increase your
monthly expenses in the hopes that down the line the increase will help in increasing productivity. This is
a gamble that 90% of the time causes startups to be upside down in expenses before they get out of the
gate. Spend wisely. Think of it as an investment. If there are 4 of you in the firm and they’re giving
away 20 lines, only take 4.

Guru Tip
Business credit is not free money. Don’t be exuberant. Buy only what you can afford to pay back.

Office Supply Stores

The easiest merchants to get credit out of are office supply stores. Staples, Officemax, Office Depot and
even online e-commerce stores like Nebs and Quill regularly grant credit. These stores grant super small
lines ($300 - $1000) for your company but then once you have an established history with them, they will
easily jack these lines up to as much as $5000. That’s a lot of office supplies if you ask me.

Almost all of these stores have a separate business credit section built into their websites. If for some
reason you can’t find it, call one of the 800 numbers for the stores and ask for a credit application for your
business. You will get one emailed and or faxed to you right away.

Large Technology Outfits

Firms like Dell, IBM, HP and Xerox love granting small credit lines to newly formed companies though
you must have a history of a few accounts with positive trade history reporting to the DNB before this step
can be taken. Before going to these outfits, ensure that you have at least 5 other vendors on your credit
profile that have been around for at least 90 days. Once you’re over that hump, you can list the new
vendors as reference accounts and then start with a small business credit line from these companies.

Gas Stations

Texaco and Chevron are among the few gas companies that regularly give out business credit lines
without a personal credit check. I have yet to see something similar from Amoco or Exxon. With a few
credit lines built into your credit profile and a few vendors reporting (ideally you want to have total credit
up to $2500 before you go down this route) you can start applying to Texaco and Chevron. Don’t go
overboard with credit limits; try requesting a modest credit limit of $300 to get everything started. Every
month you are welcome to call in and ask for an increase. Once you have a few months of track history

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 with these firms, you can apply for additional or supplemental lines with companies like 76, Circle K, and
BP Amoco.

Other Retail Giants

The final category, and often the most difficult to qualify for, is the retail giants such as The Home
Depots, Best Buy and Circuit City. The trick to getting qualified here is to have at least $7500 in credit
built up that is reporting on your business credit profile with, of course, no history of late payments and a
super high Paydex score (75+). Once you are at this stage, applying for credit with these large outfits is
easy. In the case when they ask for personal information, I have often told my Apprentices to leave it
blank. Surprisingly, we found a 50% approval rating when the business was for at least 6 months or
more, had a good DNB profile and a high Paydex along with $7500 in credit from other vendors.

Why Vendor Credit is Important

In 6 – 12 months of starting to apply for business credit, you can easily build $10K in vendor credit (if
you’re still not convinced I will give you a step by step approach soon enough). Once there, your
company has enough credit to compete with a normal average 19 year old teenager. In other words, your
company begins to take an identity of its own. You, being the owner or shareholder, should treat it as
such and furtively promote your business as a separate identity when applying for credit. But why is any
of this important? Why can we not just start applying for credit cards and bank lines of credit?

The answer lies in understanding what vendor credit does to the overall credit score of your company.
Simply put the more vendors are reporting on your company’s credit profile, the more robust your
company appears. Credit Grantors will always look for a detailed credit history of any business entity that
they are about to grant credit to. The longer, broader and more diverse this history appears in a credit
profile, the more your company is operating as its own entity and the less it matters of the individual
personal fico scores of the shareholders (guarantors will always be required for loan or credit requests).

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 CHAPTER 4: ALLABOUT CREDIT CARDS AND CREDIT LINES

Matt Says…
“The final frontier in credit development lies in attaining unsecured credit.”

True Business Credit Cards

When I was a business credit Apprentice, I knew a family member who started a business and was able to
get $50K in credit cards virtually overnight. When asked how, he replied “Simple. I have great credit.”

If you and your shareholders have great credit, applying for an unsecured business credit card is a cinch.
Simply go to any of the credit card companies I mention in the next table, apply for a credit card and
you’ll wind up getting one virtually overnight. Just ensure that among the plethora of offers these
companies regularly endorse on the table, the card you are applying for is truly unsecured. In other words,
that the business credit card shows up only on your businesses credit profile. I’ve done most of the work
for you and given you some good hard and fast rules for each company, their qualification criteria if it was
available, and then the contact information for each.

Despite this information, I don’t consider these offers “true” business credit cards. In my perspective, no
personal credit check should be required in order to grant an unsecured credit card to a business. If you’ve
done a good job of separating your business from your own identity, than there area few companies that
offer credit cards without personal credit checks. One such entity is discussed in this book in the
following section.

Out of the gate as a startup, you’re not going to qualify for true business credit cards. The reason being, of
course, most do not have established business credit history and definitely not enough merchants reporting
on your credit profile. If you are in the situation where you don’t mind having your personal credit run
and can qualify for one of these credit cards, your goal is to get 3 – 5 unsecured business credit cards on
your profile along with 20 – 25 vendors reporting. If you establish good positive trade history with each
of your merchants, pay your bills on time and keep your balances low (don’t max out your credit cards)
then applying for credit as a business becomes a whole lot easier down the line (6 – 12 months of positive
credit history at the minimum).

There are a few companies that offer true business credit cards and I show you in the next few sections
how to find them and apply for them.

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 Who Gives out Business Cards?

Quite a few companies regularly give out business credit cards. But they are not really selling their own
credit cards…they are usually using their own logos and branding but someone else’s programs to make
you qualify for credit. Here are the largest business credit card companies I know of. I call them the
“usual business credit card suspects”:

ABN AMRO* GE Business Card

Advanta Business Services HSBC Bank USA *
Bank of the West Huntington National Bank
Chase Manhattan Bank * Key Bank USA

Citibank USA, N.A LaSalle Bank

Comerica Bank, N.A. * MBNA America Bank, N.A.
FIFTH THIRD BANK QuickBooks Business MasterCard ®
First Hawaiian Bank Standard Federal Bank

First National Bank Of Omaha *

As promised earlier, I’ve done most of the work for you. I’ve broken down three of the top credit granting
companies for startups, the types of programs they offer, and where they offer them. Some companies
even offer working capital loans and leases, but as a startup most are going to base their decision off of
personal credit.

Advanta Business Will consider new companies

Services Annual Sales Volume: not to exceed $10 million

- No minimum years in business

- Up to $50,000 in working capital
- Your business name at the top of the card
- Additional cards for employees
- Rewards and discounts

Key Bank USA In business 1 or more years

Geography: AK, CO, ID, IN, ME, MI, NH, NY, OH, OR,
UT, VT, WA
The Home Depot
MasterCard In business for 1 or more years with established business
credit
Geography: Nationwide

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 What’s an Unsecured Credit Line and How it Functions

Unsecured lines of credit are revolving bank credit lines given to companies and do not show up on the
owner’s personal credit reports. The words “unsecured” comes from the fact that these credit lines do not
require any collateral and do not encumber any assets of the business owner (remember our discussion of
personal guarantors?). In other words, no physical lien is put against the personal property of the
entrepreneur. The worst most banks will do is put a UCC filing that will encumber the assets of the
business up to the point of the size of the line of credit. But even that is rare.

There are two main types of LOC’s: the ones requiring no income documentation and the ones requiring
full documentation. The former are aggressive programs that provided by certain big national or regional
banks. The latter are usually the product of small community banks that are spread across the country.

The main differentiator is this. No income documentation programs always, and I do stress always,
require prime credit from each guarantor. There are no exceptions to date and I don’t presume that there
will ever be. Banks operate on risk mitigation. To think like a bank, you have to start asking yourself the
following question, if this was my money, would I lend to someone else in my position and if I could, how
would I ensure I get my money back? That’s risk mitigation.

How do you mitigate the risk of lending to someone that’s looking to borrow? For banks, part of the risk
can mitigate itself if the borrower has high credit scores. Typically, these borrowers have a lower chance
of defaulting on loans and have demonstrated responsibility in payments. Thus, in the absence of any
income documentation, credit can be extended to these borrowers by virtue of their high personal credit
scores, their industries, their business credit scores and their declared annual revenues from the year prior.

That last statement should raise an eyebrow or two. “Last year’s gross income?” you should be asking
yourself. “But if that’s the case, how do shelf companies get lines of credit when in fact they’ve made no
money?” By lying about income. That’s bank fraud and a common Apprentice mistake. Be very careful
about shelf companies and shelf company providers. All banks, and I list a few of them in this book for
you; look for a declaration of income. If you’ve bought a shelf company, your gross income is $0.

How you qualify for bank lines of credit is a completely separate matter. If you are a prime borrower
(have great FICO’s), have a company that has been around for more than 2 years, you can qualify for up
to 20 – 25 % of your company’s gross annual sales from the year prior from each lending institution that is
listed in the appendix. Simply navigate to the websites indicated, by state, and look for the small business
section. You’re looking for a business credit line, not a loan, but a revolving credit line on these sites.
These lines are interest only and are usually referred to as SBAExpress Credit Lines, Business Express
Credit Lines, or Business Credit Express Lines.

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 CHAPTER 5: PUTTING ITALL TOGETHER: A STEP BY STEP PLAN

Matt Says…
“Follow the footsteps of those that have gone before you….

….and never get swept off your feet.”

Watch and Follow the Guru in Action to Learn!

In the past few chapters I’ve given you just enough of what you’ll need to establish credit for your startup
company. But I’m not finished yet. We’re now going to create business credit for a company as if I was
doing it myself and narrating my actions. As the Apprentice, all you have to do is follow my lead for the
same results with your company.

Step 1: Incorporation: CPN’s Do Work Best!!

As I advised you earlier, incorporation is the key. Before I do anything, I incorporate. And before
incorporate, I file for a Tax ID Number. ( http://www.legalcpn.com/personal_cpn.html ). This is synonymous with a
Tax ID number and Legal CPN works best to ensure your Tax ID Number creditability inspecting for mergings.

Next, I will incorporate a firm called “The Guru , Inc” as a C Corporation through an online provider such
as The Company Corporation (Click Here to be connected to this site and incorporate). I already have
searched for example that “The Guru , Inc” is a valid name for a company in Alaska. I choose 100 shares
for no par value and assign them to myself. I also grant myself the positions of the President, Secretary
and Treasurer. I do this because the Business Credit Guru is confident of his personal credit scores. If
you find that you do not have confidence of your personal credit, please read my alternate book: The
Business Credit Guru : Bad Credit Business Credit Guide and I show you how to get around bad
credit problems. I could not address this vast subject in this book especially as it doesn’t apply to
everyone opening a startup. Once filed, I choose an option for delivery from The Company Corporation
and then I wait. Once I receive my package, I immediately open a business checking account.

Step 2: DNB Profile, DUNS, and ScoreBuilder

My next step is to create a DNB profile, get a DUNS number and signup for the ScoreBuilder program.
Start by visiting http://www.dnb.com/us and selecting to get a D-U-N-S number. At the time of the
publishing of this book, this option was a link on the upper right of the page. If that has changed,
remember that the D-U-N-S number is absolutely free. There is no charge and despite what anyone tries
to sell you, all you need for starters is the number and the ScoreBuilder package for reporting on vendors.

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 Next I want to create an online account for my company and sign in to create my company profile. Here,
I’ll list myself as the CEO, tell them the number of employees I have and my revenues.

The only item that I want to explain a bit further here is the ScoreBuilder. In the business credit world,
vendors and banks don’t HAVE to report to the credit bureaus. It is an option for them. Some do, some
don’t. Unlike personal credit bureaus that rely on creditors to proactively report on payment trends, the
DNB allows business owners the option to have a service placed on their account where DNB goes out
and monitors your payment trends on given vendors. Even though there are some Guru s that are purists
and do not wish to go down this route, I find that typically, this is a great way to add vendors that you pay
in full every month to build your company’s Paydex credit score to high levels fast (within 90 days). The
payment trends will also be reflected in the Commercial Credit Score also.

Step 3: DNB, Phone Lines and Broadband

In what follows, I will follow a formula that has a pretty good hit rate for most startup companies in my
experience. For companies already in existence, applying the formula below may take some finagling
depending on how your credit is currently. If your Paydex score is flawed and you have liens on your
credit report (best to pull the DNB $150 comprehensive insight report on yourself to find out), you most
likely will not be able to repeat the following with the same results. In this case, refer to the business
credit repair section on where to go next.

Once I’ve established a DNB number, the next step is to open a business phone line and get broadband
service with my DNB number (if needed) and my Tax ID number. This can be done without the Article of
Incorporation and so I’m not going to wait for them to arrive in the mail. I ensure that my company’s
address is different than my residential address (if I don’t have an office I use Postal Annex to create an
artificial forwarding address).

The simple reason for this step is once this information is enlisted with the DNB, the information becomes
public and I do not want my home address out there for everyone to see. A private mailbox with a local
Postal Annex and will have suite numbers instead of PO Box numbers and do the job of creating a
separate mailing address rather quickly.

Once my business phone lines are established, I list my company with the Yellow Pages with the new
phone number and the new address. Upon receiving my first phone bill, I will add in my phone company
as a vendor for my ScoreBuilder profile. Throughout this entire endeavor I will ensure that I pay all my
bills on time.

Guru: Tip
Remember that we are trying to build credit. Prompt payment of the entire bill is required to get
stellar credit scores.

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 Step 4: Adding Wireless and Office Vendors
Next, large office supply vendors, such as Staples are good about giving out small credit lines to
companies but need a copy of a utility bill showing your address. Since I have already received my first
phone bill I will apply for a credit line of $750 at http://www.staples.com for a business credit account.
While I’m at it, I also open a business account with NEBS (http://www.nebs.com) and QUILL
(http://www.quill.com). Once approved on all three, I add them to my ScoreBuilder profile. I fully know
by this time the amount of total credit I’m approved for ($750 from Staples, $300 from Quill, and $300
from Nebs in most cases). On my business credit report, after 30 days of these vendors being added, I will
show three trade lines totaling $1,350 with perhaps a small balance on them.

Next I realize that I need cell phones and I know that the easiest ones to apply for are either Nextel or T-
mobile. I follow the same principles as above. I go to the website, call the general number, ask to apply
for a business account and follow their procedures. Usually these lines come in 5s so I may wind up
having 5 lines in no time that are from my company and not myself. They will even have “The Guru ” on
caller ID when calling other phones. This is a revolving account and works much like the AT&T account.
It usually has no credit limit and so does not do much to boost scores. If I have room on my ScoreBuilder,
I will add this account in as well, but if I do not, phone and wireless providers are not the types of vendors
I want reporting on credit histories. Since I cannot raise credit limits, I will not gain anything except
prompt payment history.

Guru: Tip
The ScoreBuilder product comes in various sizes. If you are strapped for cash and cannot afford
the $700 yearly subscription, only add the accounts where your credit limit can be raised over time
and ones that will show prompt payment history. Having one without the other serves little
purpose.

Step 5: “Fattening” the Credit File

Once all these vendors are reporting on my credit file, my next step is to “Fatten” my credit file to get over
$3500 in total business credit. I can accomplish this easily over the next 60 days by adding vendors from
Appendix A. I only pick and choose the vendors that I know correlate with my industry. For example, if I
had registered myself as a trucking company, it would not make too much sense to have 1800Flowers as a
vendor. Down the road, a credit grantor may choose to take a look at the “type” of vendors that are
reporting on my credit file. Were a trucking company and had nothing but flower companies as my
vendor base, it would not lend too much credibility to my business’ actual activities. It is doubtful for any
trucking company to only have flower companies as the vendors it normally works through.

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 Being “The Guru , Inc” I consider myself an online retailer as I am in the eBooks industry. Accordingly, I
will pick companies that directly impact my business. To give you an example, I will most likely pick
vendors from the following industries:

Shipping
Packaging
Hosting
eCommerce
Computers
Electronics

I will stay away from companies requiring any kind of a personal credit check and continue to add them in
until my total credit reaches $3500.

Step 6: Adding 2 Behemoths to Get to $15000 in Total Credit

Once I reach $3500 in total credit, I first call Staples and ask to extend my credit line to $1500. Prior to
making this request I ensure that my payments were all on time and that I have a $0 balance on my
account. When asked for a reason for the increase, I state the truth. I am building my companies credit
and it would work to our advantage of having a well known firm such as Staples increase our credit line.
We’re responsible, well managed and as our records show, do not abuse credit. I repeat this procedure
with Nebs and Quill. Both should double my initial credit lines. Once my credit total credit is increased
to $5000, I move to the first of two credit behemoths.

I call Dell’s (www.dell.com) small business division and ask to apply for a business credit account of
$5000. I know that they will ask for all the same company information but they will most likely also ask
for my company’s DUNS number. At this point in time it is to my advantage that my Paydex is above 80.
The other credit scores don’t really matter much here unless I’ve missed payments on my report. If Dell
denies me, it may be due to a seasoning reason (not been in business for too long) but this is a rarity.

Once Dell has been established as a vendor, I will add them in on my ScoreBuilder profile and move to
the other behemoth. The Home Depot is a tough cookie to deal with. Primary reason being that their
qualification criteria are elusive and they have a habit of initially declining applicants and then approving
them 30, 60, or 90 days later. The most important things to qualify for are the Home Depot vendor credit
account. I follow the same basic procedure as before except in this case, I already know which website to
go to and will point it out for you as it’s tough to find for the Apprentice.

Click Here: Home Depot Revolving Charge Card

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 Step 7: The Goal
After following steps 1 – 6, and adding The Home Depot and Dell to my ScoreBuilder profile, my goal is
to repeat Step 5 until I have amassed 25 vendors reporting on my credit profile. My strategy is as follows.
I add new vendors every 30 days. After 90 days of adding them, I ask for credit increases. Once I have
broken in to one industry of vendors (Shipping for example) I add similar vendors after 90 days. In the
example above, I added Staples, Nebs and Quill all within the office supplies industry within my first 30
days of incorporation to my ScoreBuilder profile. Following suit, in 90 days I will add in Office Depot
and OfficeMax while requesting credit increases from Nebs, Quill and Staples. 90 days later, I ask for
credit increases from all 5.

To take this a step further, I added Dell and The Home Depot as part of step 6. 90 days later, with Dell
and The Home Depot both reporting on my credit profile, I will add in Xerox, HP, Compaq, and Lowes
while asking for credit increases from The Home Depot and Dell. 90 days later, I ask for credit increases
from all fully knowing that I may not get subsequent increases and may get declined.

Usually, most vendors will allow 1 or 2 credit increases all year. Responsibility in repayment and keeping
balances low is the key.

The First Few Unsecured Credit Cards and A Credit Line of up to $100K

Credit cards and credit lines require some seasoning on your company. Advanta Business Credit (in our
chart above) is one of the only credit card providers I know of that will give an unsecured VISA/MC
credit card to a company using a personal guarantor that has been in operations for less than 6 months.
Citibank also has some aggressive programs but they usually require being in business for at least one
year. American Express is one company that regularly extends credit cards to small startup companies.
Qualifying for any of these credit cards is as simple as visiting their websites and applying.

However, we’re concerned with getting qualified for business credit cards without the hassle of going
through random credit checks and such. If you need a credit card badly and have stellar credit, I’m sure
one of the above 3 will provide a business credit card for you. But if you’re willing to wait and build your
business credit, there is an easier way.

Once you have 25 vendors reporting on your DNB credit profile and you have been in business for 1 year,
there are 3 lenders that will grant you credit (provided that you can qualify for it and that your guarantors
have credit that is above 700). One is Bank of America, the other is the Home Depot MasterCard (Click
this link: The Home Depot MasterCard to go to the website), and the third is Key Bank USA (Click here:
Key Bank USA) .

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 The HDMC remains to date one of the only credit cards that don’t require any personal credit information.
After months of tinkering with the formula, I finally found that what I’ve laid out for you above to have
the greatest chance of success in attaining this card. Once approved, of course you’ll want to add these
two items in to the ScoreBuilder.

Next, call Bank of America and ask to apply for a SBAExpress credit for up to $100K. A BofA
representative will ask you a few questions, the most important of which is your gross revenues from last
year. Bank of America will give you up to 15 – 20% of your gross revenues from the year prior as a credit
line with stated income documentation. The only required documentation needed prior to closing will
most likely be the Articles of Incorporation, business licenses, utility bills, etc.

Between the three lenders I just pointed out, you should be able to rack up at least $50K of unsecured lines
provided your revenues were sufficient to get that aggressive of a credit line from Bank of America.

Year 1 and Beyond

If you’ve come this far, the next few sections should be incredibly important and beneficial to you. Your
temperament drastically changes after year 1 and having accomplished everything I’ve listed in the last
few sections. As a first year company, you are no longer an entity that can be ignored. Your company is
beginning to look and feel like it has a life of its own.

Even if you weren’t able to accomplish everything with the unsecured credit lines and credit cards (due to
credit problems, etc), your direction is not going to change much. At this point, Apprentices can act very
Guru like by calling the DNB and Experian Business directly and asking to increase the overall credit
limit assigned to them. Prior to taking this step, ensure that you have updated your company’s profile
with updated revenues, employment and management changes if there were any.

In my example of “The Guru , Inc”, in my first year of business I would have had $100K in a credit line,
$20K in credit cards against my company and 25 vendors all totaling upwards of $25K - $35K in credit.
My total credit on my company would be somewhere in the $150K range with a 10% rotating balance on
my credit lines. No late payments and no derogatory public record/collection are on my business credit
report. Let’s say on my one year anniversary, I pull my Comprehensive Credit Report and find out the
following details:

Overall Commercial Credit Score: 600

Paydex: 85
Recommended Credit Limit: $25,000

To me, though the credit scores are great, what’s concerning is that the DNB is only allowing a maximum
of a $25K limit. I don’t think that’s very credit worthy of my company. Being a Guru , I will call the
DNB and ask them to increase my credit limit. I tell the DNB something to tune of “Our Company is

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 growing fast and we cannot routinely get approved for small credit lines. We’ve demonstrated a history of
prompt payment and credit responsibility and would like to request a credit increase so that we can apply
for larger credit lines to help manage our growing cash flows.”

In the case above, the DNB will most likely double, or even triple my recommended my credit line after a
review. Why? Because I have demonstrated that my company is a responsible borrower. We’ve kept our
records clean and have shown credit responsibility. We are definitely very credit worthy. As a Guru , my
next step is to go back to each one of my vendors and credit accounts and ask them to “re-evaluate our
credit line” for an increase. They run credit again and they see that our recommended credit limits are
larger. They act accordingly.

Using this same approach, I’ve managed to take a few companies with $150K of total credit to $250K in
less than 60 days. After 6 months of waiting and prompt payments, I once again called the DNB and
requested a credit line increase. I repeat this process until I have the credit I desire.

Guru: Tip
The above approach works to perfection with one caveat. Your company has to be an income
producing company that is commensurate with your credit increases. You cannot list on your
profile that your company made $50K and request a credit limit increase to $250K. These types of
requests are usually a total waste of your time as they’ll get declined 99.9% of the time.

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 THE OTHER OPTION: SHELF COMPANIES:
Matt Says…
“Avoid deceit. Guru s have far more effective methods.”

DEFINITION OF A SHELF COMPANY

Quite a few business credit Apprentices stumble upon the concept of the shelf company and are
immediately seduced with advertising as brash as:

“Want to get $1M in credit? Buy a Shelf Company! Our companies come with millions of dollars of credit
lines!”

Who wouldn’t be seduced?

Business credit Guru s fully know that such advertising is little more than a sales gimmick. Though a shelf
company may indeed have millions of dollars in credit lines, they definitely aren’t from banks or lenders.
But first, let’s clear up this elusive concept. What is a Shelf Company?

In my example I’ve been using, “The Guru , Inc” is a perfectly good example of a shelf company that is
until it reaches its first year. I created a company, filed all the appropriate paperwork, got all the
appropriate vendors to report and have been building my credit profile. Had I not applied for credit cards
and bank credit lines, I could have kept building these vendor trade lines and kept the company around for
years without actually making any money. Just as easily, after amassing a large chunk of credit lines, I
could have sold it to someone and saved them the headache of having to do all the work themselves.

That is a shelf company. Why would I not want to create credit lines and credit cards for “The Guru , Inc”
had I intended for it to be a shelf company from the start? If my original goal was to put “The Guru , Inc”
on the shelf and let it season for a few years while I develop a vendor database, I would have definitely
not given any banks or any lenders a personal guarantee on a revolving charge against my personal credit!
That would be foolish. That way, when I go to sell the company, the new owner assumes all the credit
lines with me as a personal guarantor. I’d be bankrupt and up to my ears in debt in 30 seconds.

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 WHAT A BROKER ISN’T GOING TO TELL YOU

When brokers are selling to the vast sea of business credit Apprentices, it is to their disadvantage to
disclose that anyone can create a shelf company with millions of dollars of trade lines. Let’s examine how
one would do just that. Say you are a savvy business credit Guru and understand how business credit

works. So you incorporate a company, let’s call it XYZ Industries, Inc and get all the appropriate
documentation filed with a company like The Company Corporation. You open up a Dunn and Bradstreet
profile and assign your company a Paydex score. You then incorporate another company called ABC
Products, Inc and follow the same procedure.

ABC Products, Inc and XYZ Industries, Inc are both independent entities. And it is perfectly legal to be
vendors of each other, or in other words provide each other with their own products and services. Each
company can then proceed to give a large credit line to the other and report as such on the credit bureaus.
After all, it’s totally the company’s business how large of a credit line it can grant.

Let’s dive into this concept a little deeper. Say you own a small convenience store and have decided to
give your clients with good credit scores a store credit card. It is up to you, the owner of the company, to
grant the amount of credit to someone. You can make it as large or as small as you’d like. After all, it’s
your credit. The individual can go around and use as much of it as they’d like in the store and buy
whatever they want. They can pay as they go, incurring an interest charge every month that you impose
upon them. Many companies use this model to add serious returns to merchandise. Rarely do people
asking for credit have the ability to pay for the entire product; otherwise they’d buy it in cash. Most
consumers love having the option of splitting their payments into installments and slowly pay back the
balance. Most owners and companies are okay with that, provided the individual pays interest on the
outstanding balance of what they owe every month.

Well, what if you were to strip away all your products and services from your store? What if you sold
absolutely nothing? You can grant as much credit to anyone you’d like because that other person has
absolutely nothing to buy. I can give someone $1M of a credit line, report to the bureaus that I have done
as such, and that other person has a $1M line of credit from my store. What if that other person wasn’t a
person a at all? What if it was a company? Does it change anything?

Absolutely not! As far as the credit bureaus are concerned, it changes nothing. I can grant credit to
anyone and start a trade line for that company on any given credit bureau. One and done. And that’s
what’s happening here. ABC Products, Inc and XYZ Industries, Inc don’t sell anything. Yet they grant
each other $1M lines of credit and keep reporting to credit bureaus every 30 days with $0 balances. Now
imagine if there was an entire group of these? How about 200 companies that did just that to each other?
What would their credit report look like when you pulled credit? It was would have 200 vendors reporting
perfect credit history for a long time. What do you think that does to a business credit score?

And in essence what are you buying? You’re buying a company that has $1M of credit lines from other
companies that probably don’t sell anything of value. Having said that, obviously if ABC Products ever

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 applied for credit at another unsuspecting vendor that does sell products and service, the vendor would be
staring at a pretty impressive credit profile and would be willing to get aggressive on its credit line. So
shelf companies may in fact come with large credit lines from certain well known vendors (discussed
below).

What about bank lines and other lines of credit? Can a shelf company qualify for those? The answer is a
big flat “No”. Remember our discussion about banks look for when approving credit lines for companies?

1. Shareholder’s credit score

2. Income documentation or “statement of income”
3. Length of time in business

For a given shelf company, the answer to number 2 is a big fat $0. Shelf companies haven’t been making
any money and to claim that they have is *lying*. Take a look at what’s going on with mortgage markets
and the slew of individuals that lied about income and are facing large payments they cannot afford.
There is a lesson to be learned here. If you or the company hasn’t been making a certain amount of
money, don’t claim otherwise. Either through a bank audit or renewal you have a high risk of getting
caught not telling the truth. Lying about income to get a bank to grant financing or credit is the absolute
bare bones definition of bank fraud.

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 CHAPTER 8: SOME FINAL WORDS OF WISDOM, PASSIVE INCOME
OPPORTUNITIES, AND GOOD RESOURCES FOR FINANCING
Matt Says

“The path to becoming a Guru is one of patience.

Never be led off the path by greed.”

I want to be brief in parting ways from you. I have described as best as I can a straight and narrow way of
establishing business credit ethically. In doing so, my number one priority was to convey information and
enlighten the many would be Apprentices on the market today. If you’re a businessman or
businesswoman, I’m sure you can see the value in having an unbiased text such as the one I have provided
for the myriad of entrepreneurs and business credit seekers that are often led astray by offers that are not
honest. It is with this spirit that I ask you to share the information I have provided wisely and profitably.

First, is to become an affiliate of our products from the Business Credit Guru . We provide hefty
commissions to our partners who help us enlighten others on any one or all six of our products. Please
email us ([email protected] ) to find out more about our affiliate program.

Second, one of the best resources I have to my disposal is an army of top lawyers. Despite the money I’ve
made as a successful business credit Guru and a business financing Guru , you’d be surprised to hear how
much I pay per month for my legal bills: Less than $30.00. That’s right, not $3000, but thirty dollars a
month. There are no gimmicks and no other hidden costs. To date, I have encouraged all my clients,
colleagues and friends to join this service through Pre-Paid Legal. For $30.00/month, you can’t get a
better bargain. Plus you get commissions for referring others as well. To register, email us directly at
[email protected]

Finally, there have been numerous times when the needs of a startup are better served through financing
rather than credit. The Gallant Group, Ltd (http://www.gallantgrp.com) is THE company for any sort of
working capital loans, commercial, residential or business financing. I have seen these guys pull off deals
that I didn’t think could get funding. They have almost 10000 different programs for entrepreneurs in the
early or middle stages of growth. The owners have a nice consultative style and I can’t say enough good
things about them. Use these guys and use them often!

These resources are yours to use. They are provided as some good references that I can personally attest
to being your Guru .

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 APPENDIX OF VENDORS

Here are the complete names and websites addresses of all the vendors I’ve ever used in creating business
credit. I give it all to you here.

ABC Building Supply

http://www.abcsupply.com/Services.aspx?id=710

Home Depot Supply

http://www.homedepot.com/webapp/wcs/stores/servlet/ContentView?pn=SV_CC_Commercial_Credit_Main&langId=-
1&storeId=10051&catalogId=10053

United Parcel Service

http://www.upscapital.com/solutions/creditcardsvc.html

Tiffany and Company

http://business.tiffany.com/business/index.asp

Radio Shack Biz

http://www.radioshack.com/uc/index.jsp?page=researchLibraryArticle&articleUrl=..%2Fgraphics%2Fuc%2Frsk%2FRese
archLibrary%2FBuyersGuides%2Fresearch%2Fcredit.html

Federal Express
https://www.fedex.com/us/OADR/index.html?link=4

Border's Books Corp

http://www.bordersstores.com/bbps/welcome.do

Kinko's
https://www.fedex.com/us/OADR/index.html

Interstate Batteries
http://www.interstatebatteries.com/estore/business_new2.asp

Valero Oil Co
http://www.valero.com/OurStores/CreditCards/

Wal-Mart Corporate
http://www.walmart.com/catalog/catalog.gsp?cat=435440

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 JC Penney Biz
https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=1342177401&subActionId=1000

Exxon-Mobil Business
http://www.exxonmobil.co.uk/Norway-English/PA/Policy/NO_P_firmakort.asp

CITGO Gas Card

http://citi.bridgetrack.com/usc/07/Exp/Citgo/PL/default.htm?BTData=C0210797760617459564946BABEB0AFA19E908
490F1FDF6EBEAC5C2DE13FCB56&BT_TRF=645463&app=UNSOL&sc=QRATNI00&m=N0000975850&DS=p1309
132&ProspectID=8A1361D193964FCC83473CD031A3D31F

Staples Biz
http://www.staplescentral.com/

Office Max Biz

http://www.officemax.com/omax/home/custom.jsp?id=m280004

Shell Corp. Gas Card

https://www.citibank.com/us/cards/shell/index.jsp

Sam's Club Biz

http://www.samsclub.com/shopping/navigate.do?catg=7057

Amazon
http://www.amazon.com/Corporate-Accounts/b/ref=gw_br_corpacc/002-9560064-
5360060?%5Fencoding=UTF8&node=600460&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=left-nav-
3&pf_rd_r=1E8RQT91V57TK3BJJ8CP&pf_rd_t=101&pf_rd_p=328657701&pf_rd_i=507846

Target
http://redcard.target.com/redcard/page.jsp?ref=nav%5Fredcards&contentid=rc%5Fmain

Tractor Supply
http://www.mytscstore.com/customer_service.asp?pageID=a

Office Depot
http://www.officedepot.com/renderStaticPage.do?file=/creditcard/creditcard.jsp

Dell
http://www.dell.com/content/topics/segtopic.aspx/dpa_payment_options?c=us&cs=19&l=en&s=dhs&~ck=anavml

Expo Design Center

http://www.expo.com/finance.aspx

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 Sunoco Fuel Card
http://www.sunocoinc.com/site/Consumer/ApplyforaCreditCard.htm

John Deere Credit

http://www.deere.com/en_US/jdc/apply_now/index.html?tm=jdcus&link=a_level&location=apply

Chevron-Texaco
http://www.chevrontexacocards.com/cccard/en/public/cce_home.asp

Marathon Fuel
http://www.marathonpetroleum.com/credit%5Fcard/

Quicken
http://quicken.intuit.com/creditcard.jhtml?lid=site_banner

Lowe's
http://www.lowes.com/lowes/lkn?action=pg&p=CustServ/cc_tab_commercial.html

Wright Express
http://www.wrightexpress.com/MasterCard/index.html

Capital One
http://www.capitalone.com/smallbusiness/cards/index.php?linkid=WWW_1107_SBUS_09_HOME_C1B_02_T_SBCD

http://www.capitalone.com/smallbusiness/index.php?linkid=WWW_1107_SBUS_09_HOME_C1B_02_T_SB1

Verizon
http://b2b.vzw.com/productsservices/businesscallingplans/?lid=//global//business//business+plans

AT&T
http://www.wireless.att.com/businesscenter/business-programs/small/programs/exclusively-
business.jsp?WT.svl=calltoaction

T-Mobile
http://www.t-mobile.com/shop/plans/default.aspx?plancategory=21

Sprint together with Nextel

http://www.sprint.com/business/?id12=UHPCHP_Link_ShopBusinessSolutions

Marriott
http://www.marriott.com/specials/default.mi

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 Hilton Hotels
http://doubletree.hilton.com/en/dt/promotions/dt_eadvantage/index.jhtml;jsessionid=1QUYAN23LW02KCSGBJBMVCQ
?xch=98358609,10F141000AF6EC3C5E92049F34FDDB48.etc23&adId=eadvantage,mini,30&cid=OM,DT,Eadvantage,
Mini

Hyatt
http://www.hyatt.com/hyatt/specials/index.jsp;jsessionid=UNWUFTS3IZJJFTQSNW2VAFWOCJWYOUP4

La Quinta
http://www.lq.com/lq/coolsavings/specialrate/index.jsp

Best Western
http://www.bestwestern.com/programs/business/index.asp

Motel 6
http://www.motel6.com/promotions/

Radisson
http://www.radissonsas.com/cs/Satellite?c=Page&cid=1051345091143&language=en&pagename=RadissonSAS%2FPag
e%2FrsasSectionFrontpage

My Tool Store
http://www.mytoolstore.com/busacct.html

JDR Micro Computers

http://www.jdr.com/premier/

Northwest Builder's Network Inc

http://www.nwbuildnet.com/help/credit.html

Savoya (Limousine Company)

www.savoya.com

Carey International (Limousine Company)

www.careyint.com

Davel (Limousine Company)

www.davel.com

Oakwood (Corporate Housing)

www.oakwood.com

Bridgestreet (Corporate Housing)

www.bridgestreet.com

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 Empire Limousine (Limousine Company)
www.empireint.com

Greyhound Bus
www.greyhound.com

Hewitt Packard HP
www.hp.com

IBM Computers
www.ibm.com

Crestwood Suites (Hotel)

http://www.crestwoodsuites.com/cwdirbill.p...0Bill%20Account
www.credtwoodsuites.com

Super Shuttle (Limousine Company)

https://www.supershuttle.com/webrez/Update.aspx

United States Postal Service

www.usps.com

Korman Communities (Corporate Housing)

www.korman1.com

Ballantye Resort (Hotel)

http://www.ballantyneresort.com/

Peapod Food Delivery Service

www.peapod.com

Huntington Bank (Relocation Direct Bill Service)

http://www.huntington.com/pas/HNB1725.htm

Rio Pavilion (Hotel)

http://www.harrahs.com/our_casinos/rlv/gro...ll_app_form.pdf

Billing Direct (affiliate program, like CJ.com)

http://www.billingdirect.net/

Sonesta Hotel & Suites

http://www.sonesta.com/coconut_grove/page.asp?pageID=10904

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 ASAP Coach (Limousine Company)
http://www.asapcoach.com/opeccount.htm

Boston Coach (Limousine Company)

http://www.bostoncoach.com/common/resources/account.jsp

Air Culnaire (Food Service)

http://www.airculinaire.com/ordering.asp

Hyatt Regency Lake Tahoe

http://www.cflr.com/courses/Dir_billing.pdf

Hertz
http://www.hertztrucks.com/business/bap.pdf

Waiter.com (food take out company)

http://www.waiter.com/documents/waiter-corp-account-form.pdf

AAMCO Transmissions
http://www.aamcotransmissions.com/national...ng_options.html

Metro Hosting (Web Hosting Provider)

http://www.metrohosting.net/new.php?sub=newAccount&plan=gla

Jacopos (Pizzeria)
http://www.jacopos.com/CorporateAccounts.htm

Masters Inn (Hotels)

http://www.mastersinn.com/extended_stay.shtml

SelectATicket.com
http://www.selectaticket.com/CorporateAccounts.asp

FTD.com
http://www.ftd.com/528/corporate/

1800-flowers.com
http://ww2.1800flowers.com/flowers/corporate/benefits.asp

Wilkinson's Flowers
http://www.wilkinsonsflowers.com/help.asp

Monster (They give net 14 terms)

www.monster.com

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 My Coffee Supply
http://www.mycoffeesupply.com/corp_login.asp

Luggage Pros
http://www.luggagepros.com/policies/corporate-sales.shtml

Exclusive Tickets
http://www.exclusivetickets.com/corporateInfo.cfm

Linens n Things
http://www.lnt.com/corp/index.jsp?page=cor...2_corpsales_txt

Macys
http://www1.macys.com/store/corporate/index.jsp?bhcp=1

BladeSmart
http://bladesmart.com/bladesmart.com/statp.../corpsales.html

HydePark Jewelers
http://www.hydeparkjewelers.com/HPSite/dep...application.pdf

Franklin Sports
http://www.franklinsports.com/fsm/files/cr...application.pdf

Cognigen PCs
https://www.cognigen-pc.com/main/eaccount/c...pplication.aspx

Viracon
http://www.viracon.com/corporateCreditApp.html

TradeName.com
https://www.tradename.com/fees/corpacc.html

Fairytale Brownies
http://www.brownies.com/Corporate%20Credit%20Application.doc

Monte Vista
http://www.mvcoop.com/credit/index.asp

Sencore
http://www.sencore.com/orderinfo/corpopen.htm

Amtech
http://www.amtechdisc.com/payment.htm

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 Headsets
http://www.headsets.com/headsets/credit/cr...pplication.html

Bloomingdale's
http://www1.bloomingdales.com/about/shopping/corporate.jsp#

USA LEGAL FORMS

http://www.uslegalforms.com/accountopen.doc

Vac Hut Plus, Inc.

http://www.vachutplus.com/corpacct.htm

Ideal Industries
http://www.idealindustries.com/pdf/EndUserSetUpForm.pdf

Discount Awards
http://www.discountawards.com/CorpAccounts.asp

Corporate Express
http://www.corporateexpress.com/faq.html

Continental Airlines
http://www.continental.com/programs/uatp/

Alson's Jewelry
http://www.alsonjewelers.com/services.htm

Kohls
http://www.kohlscorporation.com/GiftCard/GiftCards01.htm

Luberman's building
http://www.lumbermens-building.com/pdf/con...-credit-app.pdf

GETTY GAS
http://www.getty.com/gettycardapp.pdf#

Thrifty
http://www.thrifty.com/images/rx/img2076.pdf

JEB Leasing Company

http://www.jebleasing.com/apply.html

Powell Company
http://www.powellcompany.com/customer_credit_application.asp

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 Earthlink Business Services
http://www.earthlink.net/biz/majoraccounts/

A-Vidd Electronics
http://www.a-vidd.com/pdf/aviddcreditapp.pdf

EBC Computers
http://www.ebccomputers.com/Documents/netterms.PDF

Circuit City Business Sales

http://business.circuitcity.com/b2b_landing_page.htm

Walgreens
http://www.walgreens.com/about/community/g...rds/default.jsp

Disney
http://disneymeetings.disney.go.com/dwm/in...oupOverviewPage

Ingram Micro
http://www.ingrammicro.com/

3 M Company
http://solutions.3m.com/wps/portal/!ut...VAQA-irWmQ!!

Mitsubishi Digital Electronics America

http://www.mitsubishi-tv.com/

Pioneer Electronics (USA) Inc.

http://www.pioneerelectronics.com/pna/cont...l?fpSiteId=2076
http://shopping.franklincovey.com/shopping...rt/payment_info

Harley Davidson
http://www.harley-davidson.com/wcm/Content...sp?locale=en_US

Starbucks
http://www.starbucks.com/business/bizgifts.asp

Bed, Bath & Beyond

http://www.bedbathandbeyond.com/CorpSales.asp?order_num=-1

RE I
http://www.rei.com/cgs/?stat=footer_corp_sales

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Copyright 2012 All Rights Reserved
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 DTV City
http://www.dtvcity.com/help/corporate.html
World Lux
http://www.worldlux.com/corporate_sales.html

GAP
http://www.gapincbusinessdirect.com/index.asp

Rose City Software

http://www.rosecitysoftware.com/corporate/

Axion Tech
http://www.axiontech.com/corp.php

Bacario
http://www.bacario.com/Corporate.asp

Patagonia
http://www.patagonia.com/custserv/corporate_sales.shtml

Sharper Image
http://www.sharperimage.com/corporatesales/

Amherst Technologies
http://www.amherst1.com/

Corporate Outfitter
http://corporateoutfitter.cabelas.com/

Weems Plath
http://www.weems-plath.com/corporate_sales.html

Gempler's
http://www.gemplers.com/a/pages/corpsales.asp

Saab
http://www.saabfleet.com/

Staceys
http://www.staceys.com/corporatesales.html

Samys
http://www.samys.com/industrial.php?PHPSES...8f5165a2082651f

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Copyright 2012 All Rights Reserved
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 L.L. Bean
http://www.llbean.com/corporateSales/?feat=ln

Handago
http://www.handango.com/Information.jsp?si...CKey=1_BUSINESS

US LUGGAGE
http://www.usluggage.com/corpsales.htm

Surray Luggage
http://www.surrayluggage.com/corporatesales.html

Williams-Sonoma
http://www.williams-sonomainc.com/bsa/index.cfm

47
Copyright 2012 All Rights Reserved
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 APPENDIX OF BANKS

Here are the names of major banks and their websites broken down by each state.

Alabama

AmSouth Bank

Bank Independent

Bank of Brewton

Bank of Pine Hill

Bank of Wedowee

Barbour County Bank

Citizens Bank

Colonial Bank

Commercial Bank of Ozark

Community Bank & Trust

Compass Bank

Cullman Savings Bank

Eva Bank

Farmers & Merchants Bank

Farmers & Merchants Bank (Centre & Leesburg)

First Citizens Bank of Luverne

First Commercial Bank

First Federal Bank

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 First Federal of the South

First Metro Bank

First National Bank of Brewton

First National Bank of Brundidge

First National Bank of Central Alabama

First National Bank of Dozier

First National Bank of Scottsboro

First National Bank of Shelby County

First National Bank of Talladega

First Southern Bank

First Southern National Bank

First Tuskegee Bank

First United Security Bank

Frontier National Bank

Headland National Bank

Heritage Bank

Merchants Bank

Monroe County Bank

Peoples Bank & Trust

Peoples Bank of North Alabama

Phenix-Girard Bank

Regions Bank

Reliance Bank

Security Federal Savings Bank

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 South Alabama Bank

SouthTrust Bank

Union Planters Bank

United Bank

West Alabama Bank &Trust

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 Alaska

Denali State Bank

First Bank

First Interstate Bank of Alaska

Northrim Bank

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 Arkansas

Arkansas National Bank

Arvest Bank Group

Bank of England

Bank of Eureka Springs

Bank of Fayetteville

Bank of Pocahontas

Bank of Rogers

Bank of the Ozarks

Bank of Yellville

Citizens Bank & Trust Company

Citizens Bank of Batesville

Citizens State Bank

Commercial National Bank of Texarkana

Community Bank

Community First Bank

Cross County Bank

Delta Trust and Bank

Elk Horn Bank & Trust Company

Farmers Bank & Trust

Farmers Bank & Trust Company

First Arkansas Bank & Trust

First Arkansas Valley Bank

First Federal Bank of Arkansas

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 First Arvest Bank

First National Bank & Trust Company of Rogers

First National Bank & Trust Company of Mountain

Ho m e

First National Bank in Mena

First National Bank of Berryville

First National Bank of Crossett

First National Bank of Fort Smith

First National Bank of Hope

First National Bank of Paragould and Jonesboro

First National Bank of Paragould and Jonesboro

First National Bank of Springdale

First Security Bank

First Security Bank of Fayetteville

First United Bancshares,Inc.

First Western Bank & Trust

Forrest City Bank

Helena National Bank (HNB)

McGehee Bank

McIlroy Bank & Trust

Metropolitan National Bank

MidSouth Bank

National Bank of Arkansas

One Bank & Trust

Piggott State Bank

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 Pulaski Bank & Trust Company

Simmons First Bank of Searcy

Springdale Bank & Trust

Superior Federal Bank

The Capital Bank

The Union Bank

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 Arizona

Armed Forces Bank

Bank of America

Bank of the Southwest

Bank One

Commerce Bank of Arizona

Community First Bankshares, Inc.

Compass Bank

First International Bank & Trust

Marshall & Ilsley Bank (M&I)

Mohave State Bank

National Bank of Arizona

Northern Trust Bank of Arizona

Stearns Bank

Sunrise Bank of Arizona

Valley Commerce Bank

Wells Fargo Bank

Western Security Bank

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 California

Alliance Bank

America California Bank

Bank of Alameda

Bank of Amador

Bank of America

Bank of Canton of California

Bank of Internet USA

Bank of Los Altos

Bank of Marin

Bank of Petaluma

Bank of Stockton

Bank of the Orient

Bank of the Sierra

Bank of the West

Bank of Visalia

Bank of the West

Bank of Walnut Creek

Bay Area Bank

Bay View Bank

Borel Bank and Trust Company

Borrego Springs Bank

Brentwood Bank ofCalifornia

Broadway Federal Bank

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 Business Bank of California

Butte Community Bank

California Bank & Trust

California Center Bank

California Federal Bank (Cal Fed)

Canyon National Bank

Capital Corp of the West

Cathay Bank

Central Sierra Bank

Citibank

Citizens Bank of Nevada County

City National Bank

Civic Bank of Commerce

Coast Commercial Bank

Comerica Bank

Community Bank of San Joaquin

County Bank

Downey Savings

Eldorado Bank

El Dorado Savings Bank

Exchange Bank

Fallbrook National Bank

Far East National Bank

Feather River State Bank

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 Fidelity Federal Bank

First Bank of Beverly Hills

FirstBank of San Luis Obispo

First Community Bank

First National Bank of Northern California

First National Bank of Olathe

First Regional Bank

First Republic Bank

First Western Bank

Foothill Independent Bank

Fremont Bank

General Bank

Goleta National Bank

Guaranty Bank

Hanmi Bank

Heritage Bank East Bay

Heritage Bank of Commerce

Humboldt Bank

Imperial Capital Bank

Jackson Federal Bank

Kerman State Bank

La Jolla Bank

Lake Community Bank

Liberty Bank

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 Life Bank

Los Angeles National Bank

Luther Burbank Savings

Manufacturers Bank

Marathon National Bank

Mechanics Bank

Merchants Bank of California, N.A.

Mid-State Bank

Mid Valley Bank

Mission Community Bank

Montecito Bank & Trust

National Bank of California

North Valley Bank

Pacific Crest Bank

Pacific Mercantile Bank

Pacific State Bank

PFF Bank & Trust

PriVest Bank

Redlands Centennial Bank

Rancho Bank

River City Bank

Sacramento Commercial Bank

San Benito Bank

San Diego National Bank

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 San Joaquin Bank

Santa Barbara Bank &Trust

Santa Lucia Bank

Scott Valley Bank

Sentinel Community Bank

Six Rivers National Bank

Southern Pacific Bank

Sunwest Bank

Tehama Bank

Tokai Bank of California

Union Bank of California

United Commercial Bank

Universal Bank

US Bank

Valley Bank

Valley Independent Bank

Vineyard National Bank

Vintage Bank

Visalia Community Bank

Wells Fargo Bank

Westamerica Bancorporation

Western Security Bank

Western Sierra Bank

Wilshire State Bank

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 Yosemite Bank

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 Colorado

1st Choice Bank

Alpine Bank

American Bank

Bank of Colorado

Bank of the San Juans

Bank One

Cañon National Bank

Castle Rock Bank

Century Savings & Loan Association

Citizens State Bank of Cortez

Citywide Banks

Colorado Bank and Trust

Colorado Business Bank

Colorado East Bank & Trust

Community Banks of Colorado

Eaton Bank

First Commerce Bank of Colorado

First National Bank

First National Bank of Arvada

First National Bank of Canon City

First National Bank of Durango

First National Bank of Lamar

First National Bank of Las Animas

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 First National Bank of Longmont

First National Bank of Paonia

First National Bank of Stratton

First State Bank of Hotchkiss

Firstate Bank

Heritage Bank

Home State Bank

Liberty Savings Bank

North Valley Bank

Premier Bank

Rocky Mountain Bank and Trust

San Luis Valley Federal Bank

TCF National Bank Colorado

UMB Bank

Union Colony Bank

Valley Bank & Trust

Valley National Bank

Vista Bank

Weld County Bank

Wells Fargo

WestStar Bank

Young Americans Bank

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 Connecticut

American Savings Bank

BankBoston

Banknorth Connecticut

Citibank

Cornerstone Bank

Dime Savings Bank

Fairfield County Savings Bank

Farmington Savings Bank

First County Bank

First International Bank

First National Bank of Litchfield

First National Bank of Suffield

Fleet Bank

Guilford Savings Bank

Jewett City Savings Bank

La Jolla Bank

Liberty Bank

Litchfield Bancorp

Mechanics Savings Bank

The Milford Bank

National Iron Bank

Naugatuck Savings Bank

New Haven Savings Bank

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 Newtown Savings Bank

North American Bank

Nutmeg Federal Saving Bank

People's Bank

Salisbury Bank & Trust Company

Savings Bank of Manchester

Savings Bank of Rockville

The Simsbury Bank

Southington Savings Bank

Stafford Savings Bank

Thomaston Savings Bank

Tolland Bank

Torrington Savings Bank

Union Savings Bank

Webster Bank

Westport National Bank

65
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 Delaware

Artisans' Bank

Bank of Delmarva

Delaware National Bank

First Union

First USA Bank

Mellon Bank

PNC Bank

Sovereign Bank

Wilmington Trust

WingspanBank.com

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 Florida

American National Bank

AmSouth Bank

AmTrust Bank

Atlantic States Bank

BankAtlantic

BankFirst

Bank of America

Bank of Tidewater

Bay Bank & Trust Co.

Capital City Bank

CenterState Bank of Florida

Century Bank

Citibank

Citizens Bank of Oviedo

Citizens Community Bank

Citizens Federal Savings Bank of Port St. Joe

Citrus Bank

City National Bank of Florida

Clay County Bank

Coconut Grove Bank

Colonial Bank

Columbia County Bank

Community Bank of Homestead

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 Community Bank of Naples

Community National Bank

Community Savings

Compass Bank

Crown Bank

Destin Bank

Emerald Coast Bank

Englewood Bank

Farmers & Merchants Bank

First Bradenton Bank

First City Bank

First Commercial Bank ofTampa

First Federal Savings Bank of Florida

First Federal Savings Bank of Lake County

First Home Bank

First International Bank & Trust

First National Bank and Trust

First National Bank and Trust Company

First National Bank of Florida

First National Bank of Mount Dora

First National Bank of Naples

First National Bank of Pasco

1st National Bank of South Florida

First Navy Bank

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 First Southern Bank

First State Bank

First Union

Flagship National Bank

Florida Bank of Commerce

Florida Choice Bank

Grand Bank of Florida

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 Kansas

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Bank of Jamestown

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Asian American Bank & Trust Company

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Dacotah Bank

Drayton State Bank

First International Bank & Trust

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First State Bank (Buxton, Grand Forks, Thompson)

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City National Bank & Trust (Hastings)

Commercial Federal Bank

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Enterprise Bank

Farm Credit Services of America

Farmer's Bank & Trust Co.

First Bank & Trust Company (Cozad)

First National Bank

First National Bank of Holdrege

First National Bank of Minden

First National Bank of Valentine

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Granite Bank

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Lake Sunapee Bank

Ledyard National Bank

Mascoma Savings Bank

Meredith Village Savings Bank

Pemigewasset National Bank

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Columbia Savings Bank

Community Bank of Bergen County

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Broadway National Bank

Brooklyn Federal Savings Bank

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Orange County Trust Company

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Charter One Bank

Chippewa Valley Bank

Sky Bank

Sky Bank

Citizens Banking Company (Sandusky)

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Citizens National Bank

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First-Knox National Bank

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Guernsey Bank

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 Oklahoma

American Bank & Trust

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Americrest Bank

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Arvest American NationalBank

Arvest Bank

Arvest State Bank

BancFirst

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Bank of Oklahoma

Bank One

Canadian State Bank

Central National Bank of Alva

Citizens Bank & Trust Company (Ardmore)

Citizens Bank of Ada

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First National Bank & Trust Company (Ardmore)

First National Bank andTrust Company in Clinton

First National Bank and Trust Co. of Weatherford

First National Bank (Altus)

First National Bank in Durant

First National Bank of Midwest City

First National Bank of Nowata

First National Bank of Okmulgee

First Pryority Bank

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 Oregon

Bank of America

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Bank of Hanover and Trust Company

Bank of Lancaster County

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Blue Ball National Bank

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Citizens & Northern Bank

Citizens National Bank of Evans City

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Commonwealth Bank

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Eureka Bank

Farmers First Bank

Fidelity Bank

Fidelity Deposit & Discount Bank

First Capitol Bank

First Citizens National Bank

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Gratz National Bank

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Merchants National Bank of Bangor

Merchants National Bank of Kittanning

Mifflinburg Bank & Trust

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Scottdale Bank &: Trust Co.

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Arthur State Bank

Bank of America

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Bank of Greeleyville

Bank of South Carolina

BB&T

Beach First National Bank

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Peoples National Bank

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Provident Community Bank

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South Dakota

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 Andes State Bank

American State Bank

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 Tennessee

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Bank of Sharon

Bank Tennessee

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American State Bank

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City National Bank

City State Bank of Palacios

Clear Lake National Bank

Coastal Banc

Colonial Savings

Commercial National Bank of Texarkana

Community Bank & Trust

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First National Bank in Port Lavaca

First National Bank of Abilene

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First National Bank of Beeville

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First National Bank of La Grange

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 Virginia

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NBC Bank

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Planters Bank & Trust Company of Virginia

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First Federal Savings of Port Angeles

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Abbotsford State Bank

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Bank of Wisconsin Dells

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 The National Bank of Waupun

The Peoples State Bank (Mazomanie)

Walworth State Bank

Wauwatosa Savings Bank

Wisconsin Community Bank

Wood County National Bank

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 West Virginia

Advance Financial Savings Bank

Bank of America

Bank of Mingo

Bank One

Belington Bank

Belmont National Bank

Bruceton Bank

Capital State Bank

Capon Valley Bank

Citizens Bank of Morgantown

Citizens National Bank (Elkins)

City National Bank

Davis Trust Company

First Century Bank

First Community Bank

First Exchange Bank

First National Bank (Ronceverte)

Hancock County Savings Bank

Huntington Bancshares, Inc.

Huntington Federal Savings Bank

OneValley Bank

Pendleton County Bank

South Branch ValleyNational Bank

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 United National Bank

WesBanco

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 Wyoming

American National Bank

Bank of Jackson Hole

First Interstate Bank

First Federal Savings Bank

First National Bank & Trust of Powell

First National Bank of Wyoming

First Security Bank

Hilltop National Bank

Jackson State Bank

Norwest

Oregon Trail Bank

Security State Bank

Shoshone First Bank

Tri-County Bank

Wyoming Bank & Trust

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