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02-25-2012, 09:50 PM
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#1
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On Extended Hiatus!!
Join Date: Sep 24, 2010
Location: Central Arkansas
Posts: 4,472
My ECCIE Reviews
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Establishing Credit
I've been wondering how do ladies establish credit, if you don't have a legit business? I know you can get some credit by paying your phone bill on time, various credit cards, and having someone co-sign with you. Is there any other ways to establish credit?
I read that there are Providers that don't have credit and always have to pay cash for everything or get someone to do a Tote The Note. Then when the lady decides to quit she's left with what she has and no credit established.
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02-25-2012, 10:13 PM
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#2
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Valued Poster
Join Date: May 22, 2010
Location: On the planet I think.
Posts: 8,728
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Alot of providers on here have said they have civie jobs also so if that's true then they can establish credit. If they are in a cash only business it would very difficult for them and also after they quit the business I would imagine.
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02-25-2012, 10:43 PM
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#3
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Valued Poster
Join Date: Dec 31, 2009
Location: In hopes of having a good time
Posts: 6,942
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Don't know about now, but it used to be all you had to do to buy a house was to provide proof of income, which could be shown through last 5 years tax returns, several months of bank statements showing deposits, subchapter S papers or articles of incorporation and the like. You can hold yourself out as a model, "private" restauranteer, housecall hair stylist. Any legitimate business that works on a cash basis.
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02-25-2012, 11:04 PM
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#4
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Valerie's Mod Husband
Join Date: Dec 13, 2010
Location: Houston
Posts: 28,030
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Are you kidding? How did you get your first credit card? I had no income, no tax returns filed, and they were more than happy to mail me fifteen credit card applications to my first apartment. All three I filled out gave me a card, with $1500 limits...and so it begins...
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02-25-2012, 11:48 PM
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#5
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KAVORKA
Join Date: Dec 17, 2010
Location: Florida
Posts: 11,500
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Girls, I want to here from the girls, because I have girls ask me this question quite often.
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02-26-2012, 12:11 AM
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#6
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Pending Age Verification
User ID: 2590
Join Date: Dec 3, 2009
Location: Texas
Posts: 2,096
My ECCIE Reviews
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Quote:
Originally Posted by shorty
I read that there are Providers that don't have credit and always have to pay cash for everything or get someone to do a Tote The Note. Then when the lady decides to quit she's left with what she has and no credit established.
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I'm sorry to say, that's not a smart lady...
I could not see someone doing well in this industry and not investing in their dreams or not have a dream of legitimizing themselves.
Understandably, some ladies don't fare as well, and the day-to-day alone is hard. And just how poor people do, they make do. If that means having to do Tote the Note cars, and not having the credit to get a mortgage, that's just what that means.
@Flecti, tell these young ladies to do their research. Anything worth having is worth learning about. There is no reason a lady under the age of 30 (yes, I'm making excuses for old broads who didn't grow up in the PC age.) can't find what she needs just by searching Google.
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02-26-2012, 03:40 AM
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#7
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Account Disabled
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I had a "normal" job before I became an escort and that's how I got all my credit cards to begin with. Once I got my escort license the limits increased on all of them (cause I paid them all off right away). It's easy to establish credit when you claim it. It is worth it to get your escort/business license if you're interested in investing or buying anything.
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02-26-2012, 06:06 AM
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#8
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Pending Age Verification
User ID: 55719
Join Date: Nov 20, 2010
Location: Somewhere in the east coast
Posts: 9,643
My ECCIE Reviews
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Quote:
Originally Posted by Tiffani Jameson
I'm sorry to say, that's not a smart lady...
I could not see someone doing well in this industry and not investing in their dreams or not have a dream of legitimizing themselves.
Understandably, some ladies don't fare as well, and the day-to-day alone is hard. And just how poor people do, they make do. If that means having to do Tote the Note cars, and not having the credit to get a mortgage, that's just what that means.
@Flecti, tell these young ladies to do their research. Anything worth having is worth learning about. There is no reason a lady under the age of 30 (yes, I'm making excuses for old broads who didn't grow up in the PC age.) can't find what she needs just by searching Google.
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Tiffany lol!!! Girllllll I swear people are so !@##$$%% lol.
How did I establish credit?? Wakeup is spot on on this one.
They sent me a credit card when I was 17 (yes 17!) and it all started from there with a $300 limit. Anyone can establish credit. You don't need a RL job to do it. Hell I had no job when I was 17 - none! They just sent me one in the mail. If she's having trouble with her credit - I recommend getting a secured card with Capital one. If she's any good with it, after 6 months to a year they will send her a unsecured card. I love credit stuff!
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02-26-2012, 08:02 AM
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#9
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Account Disabled
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Quote:
Originally Posted by Wakeuр
Are you kidding? How did you get your first credit card? I had no income, no tax returns filed, and they were more than happy to mail me fifteen credit card applications to my first apartment. All three I filled out gave me a card, with $1500 limits...and so it begins...
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This..
Ive never have shown a tax return to get a credit card.. I only filled in the line with how much income I made.. they didnt ever even ask for proof..
However I have a day business and I worked for twenty years already in the "civi" world so..
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02-26-2012, 11:57 AM
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#10
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Premium Access
Join Date: Aug 21, 2010
Location: New york
Posts: 395
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It is probably very smart for providers to have a cover job in the civie world. I am assuming most providers make decent income so i hope they are putting their money away. Sorry, off topic.
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02-26-2012, 12:25 PM
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#11
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Account Disabled
User ID: 3741
Join Date: Dec 31, 2009
Location: On a stream
Posts: 2,967
My ECCIE Reviews
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If a lady files her income taxes regularly and has the paperwork to prove her income, getting credit is not a problem.
Lots of real world people are self employed and have no problem getting credit, why would it be any more difficult for a provider?
The only thing the CC company cares about is that they will get paid, they don't care where it comes from.
Otherwise I don't think ladies would be able to accept a credit card as payment in this business as some readily do.
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02-26-2012, 01:09 PM
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#12
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Pending Age Verification
User ID: 55719
Join Date: Nov 20, 2010
Location: Somewhere in the east coast
Posts: 9,643
My ECCIE Reviews
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Paypal is not longer legal for adult transaction. Yeah TJ will shut this down but it's in their TOS agreement. Those that use Paypal should be very very careful.
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02-26-2012, 01:36 PM
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#13
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Valued Poster
Join Date: Dec 31, 2009
Location: In hopes of having a good time
Posts: 6,942
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Quote:
Originally Posted by sexymaid_69
The only thing the CC company cares about is that they will get paid, they don't care where it comes from.
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Providers have the same philosophy. The only thing that might alter this is their perception that there is more gain in conducting business in a certain manner.
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02-26-2012, 02:36 PM
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#14
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Pending Age Verification
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Quote:
Originally Posted by shorty
I've been wondering how do ladies establish credit, if you don't have a legit business? I know you can get some credit by paying your phone bill on time, various credit cards, and having someone co-sign with you. Is there any other ways to establish credit?
I read that there are Providers that don't have credit and always have to pay cash for everything or get someone to do a Tote The Note. Then when the lady decides to quit she's left with what she has and no credit established.
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I'm always floored that some providers don't treat the business as what it is...a business. Since day one I have always paid taxes, ( quarterly), established on my tax returns that I am an adult webworker, have put money away for the last many years into an IRA and a ROTH IRA, have a good stock portfolio (and did very well during the dot-com boom, which enabled me to buy/build my own house), established excellent credit scores, and basically did everything the way I would as I do as a personal trainer. I am self-employed at both jobs, so I do pay for health insurance out of pocket as well.
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