LE N D E R S

SECRET

LIST
GET IN THE FAST LANE WITH THE
SECRET LENDERS LIST

www.mcintoshcreditsolutions.com
Welcome! Here you guys go... this was an extremely requested
document! The Secret Lenders List was created to be an all-in-one tool
that you could use to get your plan of attack together, schedule a day to
apply, and then actually apply for 3-5 tradelines all at once.

Knowing what bureaus different tradelines pull your credit report allows
you to get the most out of your applications and systematically plan your
attack.

Based on what you result you experience; you can add notes to this and
start to create your own tracking with which bureau is pulled when
applying for a specific tradeline! If there is a known credit score that is
required for that specific institution, it will be in parenthesis, for example,
(640+). Any other requirements that we know of will be mentioned as
well.

If there is no note or credit score requirement next to an institution then

we do not have enough information on that currently to make a
statement. Also, please note that requirements constantly change and
therefore the stated information may not be accurate at the time you
read or take action on it.

| www.mcintoshcreditsolutions.com
FINDING PRE-QUALIFIED OFFERS

The easiest way to find pre-qualified offers is to go to a bank's website

and look at the menu options under "Credit Cards" to see if there is a
section provided for checking pre-qualified offer availability. You can
also check if you are using Credit Karma or have a paid Experian
account as both of these will show prequalified offers.

Usually, pre-qualified offers will ask for your:

- Full Name
- Address
- Date of Birth
- Last 4 SSN

Remember... going through these pre-qualified offers DOES NOT

guarantee you will get approved. Be sure to check the bank in our lists
to see what bureaus they pull from!

| www.mcintoshcreditsolutions.com
PRE-QUALIFIED OFFER BANK LIST
Ÿ Capital One (Business Cards Require Personal Guarantee, all 3
Bureaus Pulled):
https://www.capitalone.com/credit-cards/prequalify/

Ÿ Bank of America:
https://secure.bankofamerica.com/secureoffers/public/customi
zedOffers/

Ÿ Chase Bank:
https://www.chase.com/prequalified

Ÿ American Express (Hardest Cards to Get):

https://www.americanexpress.com/us/creditcards/checkforoffe
rs/

Ÿ Discover:
https://www.discovercard.com/application/website/prequal

Ÿ Citibank (Chase is a relationship based bank. They make it easier

to get personal or business credit cards if you already have a line of
credit with them or if you have a checking, savings, or investment
account with them):
https://www.citicards.com/cards/credit/application/flow.action
?isInvitation=Y

| www.mcintoshcreditsolutions.com
Ÿ Wells Fargo DOES NOT offer credit cards unless you are already a
customer with them

Ÿ Personal loan and debt consolidation sites like Prosper and

Lending Club do also allow prequalification’s.

Ÿ Our recommendation is that if you get denied by them, DO NOT

agree to the suggested site they give you which will do another
pre-qualification. Most people don't know this, those are subprime
providers, a.k.a. HIGH INTEREST & Terrible Terms. They are not
worth it!

Ÿ Store cards from Synchrony do not offer any kind of

prequalification

Ÿ Store cards from occasionally Bank occasionally will offer

prequalifications. Check their website or call them to get more
information.

| www.mcintoshcreditsolutions.com
SECURED CREDIT CARDS

Open Sky Card

Ÿ No Credit Score Approval
Ÿ Refundable Deposit of $200-$3,000
Ÿ Annual Fee: $35
Ÿ Reports to Experian, Equifax, TransUnion

Green Dot Primor Secured Card

Ÿ No Credit Score Approval
Ÿ Deposit of Between $200-$3,000
Ÿ Annual Fee: $39
Ÿ APR: 14%
Ÿ Reports to Experian, Equifax, TransUnion

Discover IT Secured Credit Card

Ÿ Cash back up to 2% on grocery & Gas
Ÿ Only cash back SCC on the market right now
Ÿ Graduates in as little as 8 months
Ÿ No annual fee
Ÿ Min deposit $200
Ÿ Reports to the 3 leading credit bureaus
Ÿ Should have 640 credit score on Experian (Hard inquiry)

| www.mcintoshcreditsolutions.com
Capital One Secured
Ÿ No annual fee
Ÿ APR of 26.99%
Ÿ Refundable deposit
Ÿ Make first 5 monthly payments on time, get credit increase
Ÿ Pick your own monthly due date
Ÿ $49, $99 or $200-min deposit (depends on what you get
approved for)
Ÿ Can have low 500s and still get approved (Hard inquiry all 3)

AMERICAN EXPRESS CHARGE / CREDIT

CARDS

Credit Bureau Amex Pulls: Experian

Ÿ Requirements: No Derogatory Marks, No Bankruptcies, 720+
Score)

Business cards only report to consumer credit bureaus

when you default

Delta Skymiles Gold Amex – Experian (660+$5,000)

American Express Cash Magnet Card - Personal

Ÿ Earn a $150 statement credit after you spend $1,000 on the card
within your first 3 months
Ÿ Unlimited 1.5% Cash Back, received in the form of Reward Dollars
that can be redeemed for statement credits, gift cards, and
merchandise
Ÿ Annual Fee: $0

| www.mcintoshcreditsolutions.com
AMERICAN EXPRESS CHARGE / CREDIT
CARDS

Blue Cash Everyday - Personal

Ÿ Earn a $150 statement credit after you spend $1,000 in purchases
on your new Card within the first 3 months
Ÿ 3% cash-back at U.S. supermarkets (on up to $6,000 per year in
purchases, then 1%)
Ÿ Earn 2% cash-back at U.S. gas stations and select U.S. department
stores. Earn 1% back on all other purchases
Ÿ Annual fee: $0

The Blue Business Plus Card - Business

Ÿ Requirements: 690+ Score
Ÿ 2x points on business purchase up to $50,000 annually (than 1x)
No annual fee
Ÿ The $50,000 spending cap on double points reduces this card's
value for businesses with high operating expenses

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AMERICAN EXPRESS CHARGE / CREDIT
CARDS

Business Platinum Card - Business

Ÿ Requirements: 690+ Score
Ÿ Welcome Offer: Earn up to 75,000 Membership Rewards®
Points
Ÿ Earn 50,000 Membership Rewards® points after you spend
$10,000 and an extra 25,000 points after you spend an additional
$10,000 all on qualifying purchases within your first 3 months of
Card Membership
Ÿ Get 5X Membership Rewards® points on flights and prepaid
hotels on amextravel.com
Ÿ Access more than 1,200 airport lounges across 130 countries and
counting, including the amazing Centurion® lounges
Ÿ $200 Airline Fee Credit
Ÿ Annual Fee: $595
Ÿ The $595 annual fee is very steep. Keep in mind, though, that the
fee is a deductible business expense

American Express Blue Business Cash Card

Ÿ Requirements: 690+ Score

Ÿ Earn 2% cash back on all eligible purchases on up to $50,000 per

calendar year
Ÿ Cash back automatically applied as a monthly statement - good for
re-investing back into the business
Ÿ 0.0% intro APR on purchases and balance transfers for 12 months,
then a variable rate, 14.74%, 17.74%, or 20.74%
Ÿ Annual Fee: $0

Ÿ The $50,000 cap on 2% cash back makes this card a poor fit for
businesses with high expenses

| www.mcintoshcreditsolutions.com
The Plum Card
Ÿ Requirements: 690+ Score
Ÿ $0 intro offer for 12 months, then $250 per year
Ÿ Paying early pays off: Get a 1.5% discount when you pay early, with
no cap on what you can earn back
Ÿ With a hefty annual fee after the first year, this card is designed for
businesses that spend big
Ÿ While it offers flexible terms, it's still a charge card, meaning your
balance will be due in full — you can't spread out the cost of a
purchase over several months.

BANK OF AMERICA

Business Advantage Travel Rewards World

Ÿ Requirements: 720+ Score

Ÿ $0 annual fee

Ÿ 1.5x on every dollar you spend

Ÿ Intro Offer: Earn 25,000 bonus points when you make at least
$1,000 in net purchases within 60 days of your account opening
which can be redeemed for a $250 statement credit towards travel
purchases
Ÿ 0% Business Card

Ÿ Bureau Pulled: TransUnion (650+)

Ÿ Client Data: (approved for $9k business line with 722 FICO, 6
inquiries)

| www.mcintoshcreditsolutions.com
CAR FINANCING

BMW Financial Services

Ÿ Bureau Pulled: Experian
Ÿ Requirements: 695+ Score for A $50,000 Lease

Capital One Auto Finance

Ÿ Bureau Pulled: Experian
Ÿ Requirements: 650+ Score + $30,000 Proof of Income

CAPITAL ONE CREDIT CARDS

Capital One Venture

Ÿ Bureau Pulled: Experian/TransUnion
Ÿ Requirements: 680+ Score + $5,000 in Credit Limit (CL) on Credit
File
Ÿ Earn 20,000 mile sign up bonus (worth $200) once you spend
$1,000 on purchases within 3 months from account opening
Ÿ 0% Intro APR on purchases for 12 months; 13.74% - 23.74% variable
APR after that Earn 10x miles on hotels booked and paid through
hotels.com/venture (can be transferred to 12 airline partners)
Ÿ Earn 1.25X Miles on every purchase
Ÿ Annual Fee: $0

| www.mcintoshcreditsolutions.com
CREDIT REBUILDING CARDS FROM
CAPITAL ONE

Capital One Quick Silver

Ÿ Bureau Pulled: Experian
Ÿ Requirements: 580+ Score
Ÿ Earn 1.5% cash back on every purchase, everyday
Ÿ Get access to a higher credit line after making your first 5 monthly
payments on time
Ÿ Great card for those with no credit history or a low credit score
Ÿ Annual Fee: $39

Capital One Platinum

Ÿ Bureau Pulled: Experian
Ÿ Requirements: 580+ Score
Ÿ Get access to a higher credit line after making your first 5 monthly
payments on time
Ÿ Excellent card for those with no credit history or a low credit score
Ÿ Annual Fee: $0

| www.mcintoshcreditsolutions.com
BUSINESS CARDS

Capital One Spark Classic

Ÿ Requirements: 580+ Score
Ÿ 1.0% cash-back on every purchase
Ÿ $0 annual fee
Ÿ The ongoing APR is 24.49% Variable APR, which is relatively high,
so it’s not a good card for carrying debt

Spark Cash Select

Ÿ Requirements: 670+ Score
Ÿ 1.5% cash-back on every purchase
Ÿ $0 annual fee

Spark Cash
Ÿ Requirements: 670+ Score
Ÿ 2% cash-back on every purchase
Ÿ $95 annual fee waived the 1st year
Ÿ After the first year, you’ll need to put $4,750 on the card annually
to break even

Spark Miles
Ÿ Requirements: 670+ Score
Ÿ 2 miles per dollar spent on every purchase
Ÿ $95 annual fee waived the 1st year
Ÿ After the first year, you'd have to spend at least $4,750 a year on
the card before the rewards would outweigh the cost

| www.mcintoshcreditsolutions.com
Spark Miles Select
Ÿ Requirements: 670+ Score
Ÿ 1.5 miles per dollar spent
Ÿ $0 annual fee

CHASE BANK
Chase – Experian (750+ $10,000)
Chase Amazon – Experian (750+ $7,000)
Chase Freedom – Experian (750+ $7,000)
Ÿ Earn $150 bonus after you spend $500 on purchases in your first 3
months. Unlimited 1.5% cash back on all purchases
Ÿ 0% Intro APR for 15 months from account opening on purchases &
balance transfers, then a variable APR of 16.49% - 25.24%
Ÿ 3% intro balance transfer fee when you transfer a balance during
the first 60 days with a minimum of $5
Ÿ Annual Fee: $0
Chase Ink Bold – Experian (720+ $15,000 in Tradeline CL)
Chase Sapphire Preferred – Experian (720+ $18,000 in Tradeline CL)
Chase Southwest Plus – Experian (750+ $3,500 in Tradeline CL)
Chase Amazon Rewards – Experian (750+ $7,000 in Tradeline CL)
Chase United Explorer – Experian (720+ $19,500 in Tradeline CL)

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CHASE BANK BUSINESS CARDS
Chase Business cards will NOT report to consumer credit bureaus
unless you default/are seriously delinquent

Chase Ink Business Preferred

Ÿ Requirements: 690+ Score
Ÿ Earn 80,000 bonus points after you spend $5,000 on purchases
in the first 3 months
Ÿ That's $1,000 toward travel when you redeem through Chase
Ultimate Rewards®
Ÿ Points are worth 25% more when you redeem for travel through
Chase Ultimate Rewards®
Ÿ Earn 3 points per $1 on the first $150,000 spent in combined
purchases in the following categories each account anniversary
year: Travel, Shipping purchases, Internet, cable and phone
services, Advertising purchases with social media sites and search
engines.
Ÿ Annual Fee: $95

Ink Business Cash

Ÿ Earn $500 bonus cash-back
Ÿ Earn 5% cash back on the first $25,000 spent in combined
purchases at office supply stores and on the internet, cable and
phone services
Ÿ Earn 2% cash back on the first $25,000 (combined) spent at gas
stations and restaurants each year
Ÿ 0% introductory APR for 12 months on purchases, then a variable
APR of 14.74% - 20.74%
Ÿ $0 Annual Fee

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Ink Business Unlimited
Ÿ $500 bonus cash back after you spend $3,000 on purchases in
the first 3 months after account opening
Ÿ Earn unlimited 1.5% Cash Back rewards on every purchase made
for your business
Ÿ 0% intro APR for 12 months from account opening on purchases
and balance transfers. After that, 14.74% - 20.74% variable APR
Ÿ Annual Fee: $0

United MilagePlus Business

Ÿ Earn 50,000 miles after spending $1,000 in the first 3 months
Ÿ 2 miles/$1 for all purchases with United Airlines, restaurants, gas
stations, office supply stores
Ÿ 2 one-time lounge passes annually
Ÿ Free checked bag for cardholder and companion
Ÿ $95 Annual fee is waived for the first year Southwest Rapid
Rewards Performance Business
Ÿ 70,000 Southwest miles after spending $5,000 in the first 3
months after card approval
Ÿ 3 miles/dollar spent on Southwest Airlines, 2 miles/dollar on social
media, search engines, internet, cable, and phone. 1 mile/dollar on
all other purchases
Ÿ 9,000 Southwest miles at card renewal

| www.mcintoshcreditsolutions.com
CITIBANK

CitiBank Best Buy - Equifax

Citi American Airlines Platinum – Experian (720+ $6,500)
Citi Double Cash / Citi Thank You Premier – Experian (720+
$6,800)
CitiBank Costco Card
Ÿ 4% cash-back at gas stations worldwide, including Costco (up to
$7,000 in purchases/year)
Ÿ 3% cash-back on travel purchases and at restaurants
Ÿ 2% cash-back at Costco and Costco.com
Ÿ 1% cash-back on all other purchases
Ÿ No annual fee for Costco members
Ÿ No foreign transaction fees
Ÿ Costco membership is required & no welcome bonus
Ÿ Penalty APR for late payments is 29.99% var.

CITIBANK / BARCLAYS BANK / BBVA

Ÿ Citibusiness AAdvantage Platinum Select World

Ÿ Generous welcome bonus of AAdvantage redeemable miles
Ÿ Earn 2 miles per dollar spent on American Airlines,
telecommunications, satellite and cable providers, car rentals, and
at gas stations
Ÿ Preferred boarding on American Airlines flights
Ÿ A free checked bag for the cardholder and up to 4 traveling
companions
Ÿ 25% statement credit for in-flight food, beverage, and Wi-Fi
purchases
Ÿ Annual fee waived the first year
Ÿ No Foreign Transaction fees

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Barclaycard Apple Rewards – Experian (720+ $3,500)
BBVA - Experian (650+ $2,000-$50,000)
Ÿ Business credit cards don’t report to bureaus

BBVA
BBVA Compass secured Business card
Ÿ $500 min deposit
Ÿ Limited states
Ÿ $40 annual fee waived first year
Ÿ Foreign transaction fees
Ÿ Credit limit equals 90% of security deposit
Ÿ Choose one 3 points per dollar earning category and one 2 points
per dollar category each quarter

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BREX - CARD FOR STARTUPS

Brex Card
Ÿ $0 annual fee
Ÿ Credit score doesn’t matter
Ÿ 1x-7x points (7x on rideshare, 4x on travel, 3x on restaurants, 2x on
software subscriptions, and 1x on everything else)
Ÿ 75,000 in Brex Rewards points upon signup and waived card fees
for life (equal to $750+ value)
Ÿ Your business must have a $100,000 bank balance to apply
Ÿ This is a charge card, not a credit card, meaning the balance is due
in full each billing cycle

EXTRA

Car Smart – Transunion

Carmax – Experian – Equifax/Transunion
CBNA Credit Cards – Experian/Equifax
Centric Credit Union Visa – Experian (530+ $500)
Citizens Bank (location specific) Equifax
Community First Credit Union – Equifax (region specific)
Community – Transunion/Equifax
Credit Union of Texas – Equifax
Credco Auto Reseller – Experian/Transunion
Chrysler Credit – Transunion – Does Not Report to D&B
Dell Computers Preferred Account – Experian (690+ $1,500)
Digital Credit Union DCU Personal Loan – Experian (700+
$26,000)
Digital Credit Union DCU Auto Loan – Experian (700+ $25,000
with Proof of Income)

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Discover
Ÿ Experian (620+ $1,500 - $5,500)
Ÿ Equifax 647 ($750)

Discover IT Business Card (690+)

Ÿ $0 Annual Fee
Ÿ 1.5% cash back
Ÿ Add up to 50 free employee cards
Ÿ Track business expenses, download transactions easily into
Quicken, QuickBooks & Excel
Ÿ INTRO OFFER: Get an unlimited dollar-for-dollar match of all the
cash back you earn at the end of your first year, automatically. And
no limit to how much we’ll match. So you could turn $350 cash
back into $700 with Cashback Match
Ÿ Above $19,000 in spending, for example, you'd do better with a 2%
card with a $95 fee than a 1.5% card with no fee

Drive Finance Auto Financing - Experian/Transunion

Elan Financial - Equifax/Experian (Flagstar Bank)
Fifth Third Bank – Transunion
FIA Amex Fidelity American Express – Experian (740+ $9,000)
Fidelity Amex Investment Rewards – Experian (720+ $12,500)
Fidelity Investment Rewards Visa Signature Card – Experian
(750+ $7,500)
FirstBank Credit (FNBO) SavingStar Amex – Experian (650+
$1,000)
First Bank & Trust (Mercury)- Transunion (620+ $2000)
FNBO/NRA – Experian (740+ $8,500)

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First Choice Bank – Primer Visa – Experian/Equifax/Transunion
First Data Merchant Services – Credit Card Merchant Account
Processor Greater Texas FCU – Experian (620+ $27,000)
Hertz Corporation – Equifax
Home Depot – Experian (650+)
HSBC – Transunion
Jared/Sterling – Experian (600+ $1,500)
JCB Marukai Premium California – Experian (750+ $5,000 with
Proof of Income)
JCrew (Comenity) – Experian (600+ $750)
JP Morgan Chase Business – Transunion
Chexsystems JP Morgan Chase Bank – Equifax
Kohls (through Capital One)– Experian (560 $300)
Lexus Financial Services – Experian (690+ $90,000 with Lease)
Mercedes Auto – Transunion + Experian + Equifax
Mercury (First Bank & Trust) - TransUnion
Macys – Experian (700+ $1,000)
NASA FCU Platinum Rewards – Experian
NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
Navy Federal Credit Union – Equifax/Transunion
NFCU GoRewards Visa – Experian (660+ $1,000)
Navy Federal Credit Union – Business – Transunion
Nordstrom – Experian (620+ $1,000)
OneMain Financial – Equifax
PayPal Cashback Mastercard (700+)
Ÿ 2% cashback on every purchase
PayPal Extras Mastercard - (700+)
PEX Card – Will Start Experian Business File
PNC Bank – Experian (750+ $10,000)

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Prosper – Experian (640+ $15,000)
Ÿ Allows you to prequalify with no hard hit
Petal - Experian (650+ $500-$5,000)
RBS – Citizens Bank – Equifax
Red Check – Equifax
Restoration Hardware – Experian (700+ $2,000)
Road Loans – Equifax
Sam’s Club - Experian (660+ $700)
SchoolsFirst FCU – Experian (660+ $12,000)
Sprint Nextel – Equifax
SunTrust Bank – Transunion
Stash (Synchrony) - Experian
Synchrony Bank (See store card listing below held by Synchrony
bank). Note synchrony also pulls from Experian
Security Services Bank - (650+)
TD Signature Visa – Experian (700+ $5,000)
Tempur-Pedic – Wells Fargo
Financial National Bank – Experian (745+ $5,000)
TD Bank - Experian
T-Mobile – Equifax/Transunion
USAA - Equifax
USAA Secured Platinum & USAA Secured American
Express
Ÿ $250-$5,000 deposit
Ÿ Open an interest-earning 2-year CD as a security deposit for the
card
Ÿ Reports to the 3 major credit bureaus
Ÿ Security deposit earns interest
Ÿ Free credit score access
Ÿ Account graduates

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US Bank
Ÿ Business credit cards will only report to consumer credit bureaus
when in default
Verizon Wireless – Equifax/Experian
Vystar – Equifax (region specific)
Wells Fargo Bank – Experian
Wells Fargo Auto Finance – Experian/Equifax
Well Fargo Secured Business Card
Ÿ $500 min deposit
Ÿ Foreign transaction fees
Ÿ $25 annual fee

CASH BACK CARDS

Cash Back Card Benefits (Specific To These Cards):

Ÿ 1.5% on every purchase or rewards earning at 1 point per dollar
spent
Ÿ 10% bonus when redeeming points
Ÿ 1% cash back bonus on $1,000 spend level
Ÿ per month
Walmart (Capital One) - Experian
Chexsysems Wells Fargo Credit Cards – Equifax
Compass Bank CFNA Discover (Equifax 50% of the time)
KEMBA Financial CU (Angie’s List Eligible, used to pull Equifax)
Michigan First CUPNC (Transunion 50% of the time)

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BRAND & STORE CARDS EXPLANATION

Characteristics of store-branded credit cards can include:

Ÿ Accessible to customers with fair or better credit scores (some do
not even pull your credit score)
Ÿ Chances of approval quite high
Ÿ Most often come with no annual fee
Ÿ Help improve credit because they report to credit bureaus
Ÿ Approval can be instant
Ÿ Earn merchant rewards/discounts

SYNCHRONY BANK STORE CARDS -

TRANSUNION

ABT
Amazon Store Card
American Eagle Outfitters Store Card
American Signature Furniture Store Card
America’s Tire Store Card
Ariens and Gravely Get the Gear Card
Ashley Furniture Home Store
Art Van
Athleta Store Card
At Home Store Card
Babies R Us
Banana Republic Store Card
Bargain Outlet
Belk Store Card

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Bernina
Big Sandy Superstore
Bjorn’s
Blain’s Farm & Fleet
BP Visa card
Briggs & Stratton
CareCredit
Carpet One
CarCareONE Store Card
Pep Boys CarCareONE Card
CheapOair
OneTravel
Chevron And Texaco: Techron Advantage Premium
Card
Chevron And Texaco: Techron Advantage Card
Citgo Rewards Card
City Furniture
Conoco Store Card
Discount Tire Store Card plus
Dillards
DX Engineering
Electronics Express
Ethan Allen Store Card
Evine Line Store Card
Flooring America
Furniture Row
Freedom To Ride
GAP Store Card

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Guitar Center Store Card
Havertys Store Card
Hudson’s Furniture
Husqvarna
Hyde Park Jewelers Precious Store Card
JCPenney
Jewelry Exchange Store Card
Kraft Music
La-Z-Boy
Lenscrafters
Levin Furniture
Lowe’s Store Card
Lumber Liquidators
Maaco
Mavis Tire
Mattress Firm
McCoy’s
Meineke
Metro Mattress
Midas Store Card
Mohawk Flooring
Morris Home Furnishings
Musician’s Friend
Napa EasyPay Store Card
Nautilus
Newegg
Old Navy
PayPal - Does NOT report to credit bureaus, yet

| www.mcintoshcreditsolutions.com
pretty easy card to get
P.C. Richard & Son
Regency Furniture Showroom
Rooms To Go
Sam Ash
Sam’s Club Store Card
ScoreCard Store Card (Golf Galaxy, Dick’s Sporting
Goods, Field & Stream)
Sewing & More
Shaw Floors
Sheely’s Furniture
Sleep Experts
Sleep Number
Sleepy’s
Specialized
Stein Mart
Summit Racing Equipment Speedcard
Sutherlands
System Pavers
Sweetwater
Tire Pros
TJX Store Card
Walmart Store Card (cards transitioning to Capital
One in Q3 or Q4)
Walmart Business Store Card (cards transitioning
to Capital One in Q3 or Q4)
Westrich Furniture & Appliances
Value City Furniture

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BARCLAYS STORE CARDS - TRANSUNION

Ameriprise
Apple
Barclaycard Arrival Bj’s
L.L.Bean
Priceline
Sallie Mae
Travelocity
Upromise
US Air
Williams Sonoma

COMENITY BANK - EXPERIAN

Abercrombie & Fitch

American Home
American Kennel Club
Ann Taylor
Appleseeds
Arhaus Archarge
Ashley Stewart
Avenue
Barneys New York - Just filed for bankruptcy
Bealls Florida
Bed Bath & Beyond
Bedford Fair
Big Lots
BJs- Bulk store, not restaurant
Blaire

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Blue Nile
Boscovs
BrylaneHome
Buckle
Burkes Outlet
Camping World/Good Sam
Catherines
Chadwicks of Boston
Children's Place
Christopher & Banks
Colombian Emeralds
Crate & Barrel
David's Bridal
Drapers & Damons
DSW
Eddie Bauer
El Dorado Furniture
Express Next
Forever 21
FullBeauty
Gamestop
Gardner-White
Gordmans
Haband
Home & Garden Showplace
Hot Topic
HSN
Iddeal
J Crew (Filed for Bankruptcy May 2020)

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Jessica London
J Jill
Joss & Main (currently offer a prequal)
KingSize
Lane Bryant
Little Switzerland Jewels
LOFT
Marisota From JD Williams
Meijer
Modells
New York & Company
Old Pueblo Traders
Orbitz
Overstock.com – Experian (640+ $2,200)
Palais Royal
Peebles
Piercing Pagoda
Pier 1 imports
Pottery barn
Roamans
Roomplace
Restoration Hardware
Smile Generation Financial
Sportsman's Guide – Experian (680+ $2,500)
Stage Stores
Tile Shop
Tog Shop
Torrid
Total Rewards

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Trek
True Value – Experian (640 $350)
Venus
Victoria's secret- Experian (640+) last 4 of social yet
still hard hit
Wayfair - Experian (640+) (currently offer a prequal)
West Elm
Williams-Sonoma
Winter Silks
Woman Within
Ulta

COMENITY BANK – EXPERIAN

Zales
Z Gallerie
Lexus Pursuits Visa
Toyota Rewards Visa

OTHER STORE CARDS - TRANSUNION

Bridgestone (CFNA)
eBay (GECRB)
Firestone (Citibank)
Guide Dogs (UMB)
Hooters (Merrick Bank)
Linux (UMB)
Office Depot (Citibank)
Costco (Citibank)
Sears (Citibank)

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Amazon Business (AMEX) Business Lines

NET 30 ACCOUNTS - USED FOR

BUILDING BUSINESS CREDIT
NET 30: This means that they give you the account to build your
business credit and anything you charge to the account is
owed in 30 days.

Will ask for your full SSN

At the time of publishing this, they don’t add a hard inquiry on

your personal credit or make you a Personal Guarantor (PG)

Ÿ Email them to make sure this is still true at this time

TigerDirect
Bestbuybusiness.com - online payments only
Southwest Airlines
Other Types of Companies That Often Have NET 30 Accounts:

Ÿ Social Media
Ÿ Internet
Ÿ Cable
Ÿ Phone

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