A 780 credit score just got denied for $50K in business credit. A 680 score got approved for $250K. Same bank. Same week. Here is what happened. A 780 with 1 personal card, a thin file with only 3 accounts, and zero business credit history. The 680 had 12% utilization across 14 accounts, 9 years of history, a paid auto loan, a mortgage, and 3 existing business cards with perfect payment records. Banks do not lend based on your score. They lend based on your profile. Your profile tells a story. The score is just the headline. Here is what actually matters when a bank underwrites you for business credit. Utilization. Under 10% is ideal. Under 20% is acceptable. Anything over 30% is a red flag. Account diversity. They want to see revolving credit, installment loans, and ideally a mortgage. A thin file with 2 credit cards tells them nothing. Payment history depth. Not just "on time." They want to see 24+ months of consistent behavior across multiple accounts. Inquiry velocity. Watch your inquiries. Age of accounts. 2 years minimum. Average age of 5+ years signals stability. Closing old accounts kills your average. 9+ years is best. This is why most people fail at getting funded. They chase the score and ignore the profile. I have personally built over $1.1M in business credit lines. Went from a 520 to an 850 credit score. Helped 2,100+ clients get funded using this exact framework. The profile always comes first. If you want a free breakdown of what banks actually look at before they approve you, comment "PROFILE" below. I built a step by step guide that shows you exactly how to build a bankable profile, even if you are starting from scratch. If you want a free profile audit where we look at your profile. Book a free strategy call here: https://skoolmbs.com/roadmap

"Please allow me to introduce myself, I'm a man..." LOL! My name is Ross Murker, I am a US Army veteran ( Military Intelligence, "First to know, last to go, OO-RAH!" ) a widower, neurodivergent, a Certified Hypnotherapist, ( I live in Marysville, WA but work with clients anywhere online ) and, as with my hypnosis practice, looking to become my own best client throughout the money ladders here! ( Credit Repair? Mine needs the help. Zero docs Personal "Bridge" funding? Yes, PLEASE! Nested business entities for complete privacy? Most definitely! ) Today is day 2 getting my "Learn" on in the modules, I look forward to meeting my fellow affiliates as we go.

🚨 MOST PEOPLE ARE STUCK WITH SMALL APPROVALS FOR ONE REASON… Their highest credit limit is too low. Banks LOVE “comparable credit.” If your biggest card is: ❌ $500 ❌ $1K ❌ $2K …you will usually struggle getting: ❌ $20K business cards ❌ Large loans ❌ Big lines of credit Meanwhile… Someone with: ✅ Multiple $20K–$30K+ limits …gets treated COMPLETELY differently by banks. That’s why I made this guide 👇 💳 The Ultimate Credit Limit Increase Guide Inside I break down: 👉 The rules for EACH major bank 👉 When to request increases 👉 Which banks soft pull vs hard pull 👉 The famous AMEX 3X strategy👉 Credit cycling secrets 👉 Internal limit reallocation hacks 👉 How people turn small limits into $50K–$250K+ in funding power Most people have NO idea how powerful credit limit increases really are. One small card can become: 💰 $5K💰 $10K💰 $20K+…with the right strategy. This is one of the biggest hidden funding hacks nobody talks about. Comment “CREDIT” and I’ll send the guide 👊

Are you wondering if your LLC is high risk? Things like: • Your LLC name • Your NAICS code • Your business address …can quietly kill approvals. I put together a FREE LLC guide that walks you through exactly what banks look at — plus a custom LLC GPT you can ask questions to anytime. Examples we cover: ❌ Real estate businesses labeled wrong ⚠️ 541611 NAICS is getting overplayed ✅ 541613 (Marketing) is often a better option right now If you want access to the guide + the GPT 👇 💬 Comment “LLC” below and I’ll send it over. And please don't comment LLC if you aren't going to check your DMs.

I’m giving away one of my fastest TransUnion cleanup methods for free. This takes about 10 minutes, is NOT guaranteed, but has roughly a ~70% reported success rate for collections and negative items on TransUnion. Why this matters 👇Major banks like U.S. Bank, Bank of America, Elan, and others heavily rely on TransUnion. A fast boost here can make a real difference in approvals. ⚠️ Important to know: • This works only on TransUnion. • This is for collections / negative accounts. • Results vary by profile and account. • No promises — just a powerful strategy. 🎯 Here’s the Deal I’ll send you the exact method privately. All I ask in return 👇📸 If it works, post a screenshot in the WINs section so others can learn what’s possible. That’s it. No catch. 💬 How to Get It Comment “FIX” below and I’ll DM you the method. This is one of the quickest ways to potentially boost TransUnion — especially if funding is your next move.