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PERSONAL CREDIT STRUCTURE NEEDED PRIOR TO GETTING BUSINESS FUNDING You can obtain a business card with a credit limit up to five times that of your strongest personal credit card, provided it is over two years old, within 2 to 3 weeks. To be eligible, you must meet the following requirements below: - Credit Score: 680+ (700 - 760 considered Golden) - Number of Accounts: 7-10 (12 considered Golden) - 2+ Primary Personal Credit Cards $5000+ Limit - Age of Credit: 3-5 years - Credit Utilization: Usage under 10% - Credit Inquiries: 3 or less - Payment History: No late payments - No Derogatory Marks - Bankruptcies: None - Charge Offs: None - Collections: None Note: For a Business Line of Credit (BLOC), you will need a business entity and 2 years of Tax Returns.

Your Name Your AddressCity, State ZIP Date Credit Bureau Name Address Re: Dispute of Inaccurate Late Payment Reporting – [Creditor Name / Account Number] To Whom It May Concern, I am formally disputing late payment(s) reported on the above account during the COVID-19 pandemic. These late payments are inaccurate and unlawful under federal law. Specifically: - Under the CARES Act, Section 4021 (amending 15 U.S.C. § 1681s-2(a)(1)(F)), creditors were required to report accounts as “current” if a payment accommodation was made due to COVID-19. - I had a pandemic-related accommodation/forbearance, yet the account was still reported with late payments, which violates the CARES Act and the FCRA. - Per 15 U.S.C. § 1681e(b), credit bureaus must ensure maximum possible accuracy. Reporting these lates is inaccurate. - Under 15 U.S.C. § 1681i(a)(1), you are required to conduct a reinvestigation and remove any unverifiable or inaccurate information. This account must be immediately corrected to reflect “current” status with no late payments during the accommodation period. If you cannot verify compliance with the CARES Act, you are legally obligated to delete the inaccurate late payments from my credit file. Failure to comply may result in my filing complaints with the CFPB, FTC, and Attorney General, as well as pursuing civil remedies under 15 U.S.C. § 1681n for willful noncompliance. Please provide me with written confirmation of your investigation results within 30 days, as required by law. Sincerely, [Your Full Name] [SSN – Last 4 Digits] [DOB]