Financial Restoration Package #1

Business Credit Restoration & Build

1. Business Tradeline Setup
   • Establishes first vendor account reporting to business credit bureaus.
2. Business Credit Card
   • Adds revolving credit and utilization history.
   • Builds credibility with lenders.
3. 2–3 Additional Business Tradelines
   • Strengthens business profile with multiple reporting accounts.
   • Improves fundability and credit depth.

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Personal Credit Restoration & Build

1. Removal of Negative Inquiries
   • Clears old or unauthorized credit pulls.
2. Removal of Collections & Negative Remarks
   • Targets charge-offs, late payments, collections, and derogatory items.
3. Personal Tradeline Addition
   • Adds positive history via seasoned account or authorized user.
   • Boosts score by improving utilization and credit age.
4. Bank Information Clearing/Reset
   • Cleans up ChexSystems/EWS records.
   • Ensures access to new checking/savings accounts without restrictions.

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End Result

• Business Credit: Active profile with 3–4 reporting tradelines, one revolving card, and fundable standing.
• Personal Credit: Negative history minimized, positive tradeline reporting, stronger FICO foundation.
• Banking: Fresh standing with financial institutions, no “red flags” in system.

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Funding & Growth Package (Package #2)

Personal & Business Credit Utilization

1. Leverage Personal Credit for Business Credit
   • Use clean personal credit profile to secure initial business credit approvals.
   • Apply for starter business card(s) and tradelines with personal guarantee if needed.
2. Initial Business Credit Card Setup (Month 1–3)
   • Open small revolving business credit card.
   • Maintain on-time payments for 3 months to establish credibility.
3. Tradeline Integration
   • Add strategic business tradeline(s) to accelerate score growth.
   • Positions business for higher-limit approvals.

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Growth & Scaling Strategy

1. Shell Card Integration (Month 3–6)
   • Introduce Shell or gas/fleet card to diversify tradelines.
   • Adds higher reporting limits and strengthens profile mix.
2. Major Purchase / Higher-Tier Credit (Month 3+)
   • Secure an auto loan, larger revolving card, or other installment credit.
   • Balances credit profile between revolving and installment accounts.

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Investment & Valuation Planning

1. Holding Account Setup with RBV Capital
   • Client can open a corporate holding account with RBV Capital (hedge fund partner).
   • Alternative: client may provide their own financial institution or holding vehicle.
   • Purpose: establish corporate-level financial presence to increase valuation and credibility.
2. Customized Investment Plan
   • Develop a tailored roadmap to reinvest credit into assets, projects, or opportunities aligned with client’s business goals.
3. Business Valuation Growth
   • Show client how to leverage new credit, assets, and corporate holding account to boost business valuation.
   • Prepare company for larger funding rounds, investor partnerships, or acquisitions.
4. Operational Consultation
   • Blacksolvent provides setup and structural framework.
   • Client, as business owner, executes operations with ongoing strategic guidance.

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End Result of Package #2

• Business positioned with multiple credit lines, revolving + installment mix, and fuel/vendor tradelines.
• Access to corporate holding account via RBV Capital or client’s chosen institution.
• Structured investment & valuation roadmap based on personal goals.
• Fundable, investor-ready profile with education to operate independently.