**UCC Filing** stands for "Uniform Commercial Code Filing." It's a way for businesses to show that they have borrowed money or used some of their stuff as a promise to pay back that money. Think of it like a school project where you tell your teacher, “I borrowed these crayons, and I promise to return them.” ### Here’s How It Works: 1. **What It Is**: When a business takes a loan and uses something valuable (like equipment or inventory) as a promise to pay back, they file a UCC form. This tells everyone that the lender has a right to that stuff if the business doesn’t pay back. 2. **Where to Find It**: - **State Government Websites**: UCC filings are usually kept at the Secretary of State's office in the state where the business is located. You can visit their website to look up filings. - **Online Databases**: Some websites allow you to search for UCC filings by entering the business name. You can often find this information in state databases. - **County Clerk’s Office**: Sometimes, local county offices also keep records of UCC filings. - **NAV Business Report**: You can also find UCC filings in your NAV business report, which gives you insights about your business’s credit and financing. - **Experian Business Report**: UCC filings can also be found in your Experian business report, which helps you understand your business credit profile. 3. **Can You Delete It?**: - If a business has paid back the loan, they can ask the lender to file a "UCC Termination" form. This tells everyone that the loan is paid off and they no longer have a claim on the business's stuff. - If the business hasn’t paid back the loan, they can’t just delete it. The UCC filing stays until the loan is settled. ### In Simple Terms: - UCC filings are like telling everyone that you borrowed something and promised to give it back. - You can find this info on state websites, local offices, your NAV business report, and your Experian business report. - If you pay back what you borrowed, you can ask to remove the filing.

Chase Checking Account Bonus: - Get a $200 bonus by opening a new Chase Checking account. - Set up Direct Deposit within 90 days. - It is recommended to do an ACH for $500 or above to avoid any issues. - The monthly fee will be waived if the requirements are met. - Keep the account open for at least 6 months after receiving the bonus. - The cooldown period is 24 months, so it's important to maintain the relationship with Chase. Breakdown: - You will earn $200 from the bonus. - Additionally, you can receive $50 for every person you refer, up to $500 per year (10 people). - If you maximize this opportunity alone, you will recoup the course money if you paid $500. - By referring 10 people, you help them earn $200 each. To confirm a direct deposit: - Look for "DDA to DDA PPD ID – ACH Credit" on your account statement. Waiving the monthly fee: - Deposit $500 or more electronically. - Maintain a daily balance of $1,500 for the month. - Maintain an average daily balance of $5,000 or more in this checking account or any other Chase accounts you have. Chase Savings Account Bonus: - It may not be worth it for us. - If you can complete both the checking and savings account bonuses, there is an additional bonus of a few hundred dollars. Please note that all the information provided is based on the available details and may be subject to change.

To maximize your credit limit on preset limit cards, follow the 3X CLI rule: 1. First month: Keep your balance between 10-30% of the maximum limit at any point during the billing cycle. 2. Second month: Increase your balance to 40-60% of the limit if desired. 3. Third month: Maintain a balance between 40-60% of the limit and ensure you meet any bonus requirements. 4. At the 91-day mark: Request a 3x increase on your current limit. Make sure your balance is $0 at the time of the request, and ensure all payments are fully posted, not just pending. 5. Once approved for the increase, mark a date on your calendar 181 days after this date to request the next CLI. 6. Months 4 to 9: Ideally, cycle the card once a month, but at minimum, do so every 3 months. 7. Your CLI will be 3x the newest limit. For example, if your limit is $2,000 on January 1st, you can request a CLI to $6,000 on April 1st, and then to $18,000 on September 29th. Please note that this strategy is specifically recommended for the Amex Blue Business Plus card. It is not necessary to follow this approach for personal cards, as Amex is not typically relied upon for high-limit preset cards. Regarding preset limits, it is advisable to not exceed a total exposure of $35,000 across all Amex preset limit credit cards, unless you are comfortable with potentially undergoing a financial review. For charge cards (such as Platinum, Gold, Green, Plum, and Black Card), there is no preset limit. The spending power on these cards automatically adjusts on a monthly basis, eliminating the need for CLI requests. I hope this clarifies the information for you. Let me know if you have any other questions!

When applying for a credit card, it's important to understand that the sign-up bonus offer you see on the website may not be the best one available. Some institutions, like Amex, track your activity and may present you with lower sign-up bonus offers without you realizing it. To ensure you're getting the best offer, here are some tips: 1. Clear your cookies and search history, then open an incognito tab to browse the website. This can often give you better results. 2. If you have time before applying, log in to your Amex account and use the prequalify tool. This allows the bank to have all your information without accepting any card offers. Sometimes, the bank may send targeted emails or direct mail with better offers. 3. Use a site like USCreditCardGuide.com to find the best available sign-up link at the time. They provide a historical chart showing the current offer and the all-time high offer for each card. For example, the Amex Gold Card is currently at an all-time high offer of 90K points. 4. Prequalification tools are used to test the waters and see if the bank would offer you a card you're interested in. You don't have to submit your application through the prequal tool, but it can help you determine your eligibility. For Chase, Amex, and Bilt, it's recommended to use the prequal tool and then find the best link available. For NFCU, it's recommended to apply via the prequalify tool for the higher limit. 5. It's okay to use the prequal tool to find out if you're eligible for a card and then use a referral link or a special targeted offer if it's better. It won't affect your odds of approval as long as you apply within the same day. 6. Different types of offers are available, such as online/homepage offers, in-branch offers, email offers, physical mail offers, call-in offers, "My Offers" in-app targeted offers, and referral links. Each type has its own advantages, so explore all options. To access online/homepage offers discreetly, clear your cookies and search history and make sure you're logged out.

. My question is should we dispute seconary infomation the same as we would with the 3 primary agencies?