How to get approved for a 30k-100k Auto Loan & Convert it to cash in your Bank Account ! AUTO LOAN PLAY AND INTEREST RATE THAT WILL NEVER CONVERT. ( The Rates are cheaper when doing auto instead of a home loan). Receive 100k Cash in Personal Funding. The money was deposited directly into my checking account within 24 hours. Firstly, I do not bank with Suntrust and still got funding. So you don’t have to be a member. Breakdown: Loan 1 was for 35k with a 5.19% APR. Loan was instantly approved within seconds of me submitting the application from my phone. Funds were deposited into my personal checking account the next morning. Please note that I never spoke with anyone and no documents were ever requested. Super Easy Money!!! Loan 2 was for 65k with a 5.14% APR. I applied for this loan 5 months after the first loan. (They have a 100k cap) I received an email notice to call in prior to approval . I was asked 3 questions. I used $165,674 as income. 1. Was this loan going to be used to pay off the first loan? I responded “no” 2. Was I planning on closing Loan 1? I responded “no” 3. Am I able to provide 2 Proof of Income Documents (no deadline giving)? I responded “yes” SN: Adobe Acrobat is YOUR BEST FRIEND I uploaded the documents and completed an identity verification quiz and BOOM! Approved. Funds deposited the next morning directly into my account. These are the steps to achieve the above results and takes about 5 minutes to complete. I’ve also done this process for 2 clients with credit scores in the low 700 just go with at least a 715 to be on the safe side. Please note They will pull from either Equifax or Transunion. 1. Go to lightstream.com (they are a SunTrust Partner, and NO you don’t have to have a Suntrust account) 2. Select Individual Application 3. Select Used Auto Purchase from Dealer (trust the process) Title or Dealership info will never be requested. My loans are over a year old and information has never been requested and there has NEVER been an increase or change in interest.

Credit unions (soft-pull prequal + membership required) - NASA Federal CU — “Check your rate” with no impact to score; bureau not disclosed; terms up to 84 mo. (NASAFCU, NASAFCU) - Patelco CU — “Check your personalized rate” with a soft credit check; bureau not disclosed. - (First Tech Federal Credit Union) - First Tech FCU — Rate-check via soft pull; bureau not disclosed; typical min score guidance ~660 (third-party). (www2.firsttechfed.com, NerdWallet) - PenFed CU — Pre-approval is typically soft pull (PenFed guidance); bureau not disclosed. (PenFed Credit Union) - USALLIANCE FCU — Prequal with no impact to credit; bureau not disclosed (not stated publicly) - . (Patelco Credit Union) Tip: CUs seldom publish the exact bureau for prequal/hard pulls and may vary by state or product. Always expect a hard inquiry at final underwriting even if prequal is soft. (Investopedia) Online / marketplace lenders (soft-pull prequal available in most cases) - Prosper — Uses TransUnion for the initial credit report; min FICO ~660 (NerdWallet). Soft-pull prequal available. (Prosper Help, NerdWallet, Prosper)

Check if an Address is a Virtual Office Using the USPS ZIP Code Lookup Tool If you use a virtual office, UPS store, or mailbox service for your business address, lenders can automatically deny your application. These addresses are often flagged as CMRA — Commercial Mail Receiving Agency — and this shows up when you look them up on USPS. You want to avoid any address that gets flagged. STEP-BY-STEP INSTRUCTIONS 1. Go to the USPS ZIP Code Lookup ToolLink: https://tools.usps.com/zip-code-lookup.htmClickon “Find by Address” 2. Enter the full business address 3. Click "Find" Look for the line that says:Commercial Mail Receiving Agency (CMRA): Y or N WHAT THE RESULTS MEAN - If it shows CMRA: Y → This is a flagged virtual address, mailbox center, or executive suite. DO NOT USE this address for forming your business or applying for credit. - If it shows CMRA: N → This is a valid, physical address. You can use this address safely on business applications. PRO TIPS - Even well-known virtual office providers like Regus, Opus, or Davinci have some addresses that return CMRA: Y. Always check EACH location manually. - If you’ve already used a CMRA: Y address on your LLC, you can update it with the Secretary of State and IRS (use IRS Form 8822-B). - You should also update your address with Dun & Bradstreet, banks, business credit bureaus, and vendors to match. SUMMARY: - Use USPS ZIP Code Lookup to verify any business address. - If CMRA = Y → it's flagged and may get you denied. - If CMRA = N → it's clean and safe to use. - Avoid PO Boxes, UPS Stores, and most virtual mailbox services. - Use a real commercial space or your home address if allowed.

Got late payments dragging your Equifax score down? Here’s a step-by-step method to challenge them directly inside the Kikoff app 📝 Step 1: Set Up Kikoff - Download the Kikoff app - Create your account - Tap on Credit Report Step 2: Get To Equifax Report - Make sure you’re viewing the Equifax credit report inside the app - Scroll until you see “Dispute” - Tap New Step 3: Spot Negative Items - If late payments show up, you’ll see “Dispute Errors” or “Dispute More Errors” - Tap it to start the process Step 4: Select Late Payments - Pick up to 5 late payments at a time - Then confirm with “5/5 selected” Step 5: Choose Your Dispute Reason - Select: “Received COVID-19 pandemic accommodation from lender.” - (This is a common and accepted reason for removal requests) Step 6: Generate & Submit Letters - Tap Next → Generate Letters - Kikoff will handle sending them out - ⏱️ Timeline: usually 45–60 days for a response ✅ That’s it—you’ve officially disputed late payments through Kikoff. 🔥 When you finish, comment DONE—let’s see how many people get their negatives wiped clean.

🔹 Step 1: Pull the Reports - Request your free reports directly from ChexSystems & Early Warning Services (EWS). - These reports list the banks/credit unions that flagged you. - ⏱️ Expect about 5 business days by mail or 1–2 days online. 💡 Why it matters: You can’t fix what you don’t see. 🔹 Step 2: Review Everything Carefully - Look for accounts marked “closed for cause,” overdrafts, unpaid balances, or fraud alerts. - ✅ Target inaccuracies, debts older than 5 years, or anything that looks off. 🎯 Goal: Identify disputes + make a game plan to resolve unpaid balances. 🔹 Step 3: Dispute Bad Info - File disputes directly with ChexSystems & EWS. - Include: - Attach supporting documents (proof of identity, receipts, etc). 💡 Want templates? (I can drop pre-written dispute letters.) 🔹 Step 4: Negotiate & Settle Balances - Contact the reporting banks directly. - Ask for: - Pro Tip: Always get everything in writing before sending money. 🔹 Step 5: Send Proof & Request Reinvestigation - After payment, forward receipts or settlement letters to ChexSystems/EWS. - Request them to update and recheck the record. 🔹 Step 6: Follow Up (30-Day Rule) - Both ChexSystems & EWS must respond within 30 days. - ✅ If entries are removed—you’re clear. - ❌ If not—you’ve got another move (Step 7). 🔹 Step 7: Apply Pressure if Needed - File complaints with: - This adds heat to banks + reporting agencies to fix errors fast. 🔹 Step 8: Rebuild With a Second-Chance Account - While you’re clearing records, open a second-chance bank account with: - This builds fresh positive banking history while you’re wiping the old. ✅ Result: Once you complete this process, you’re back in the financial system—able to open accounts, get business banking, and start fresh.