How to legally move all your debt off your personal credit report — without paying it off first.
The debt is still yours. It just stops destroying your credit.
FCFM — Fix, Consolidate, Fund, Move — is a process I use to relocate personal credit card debt off your personal credit report and onto business credit. Legally. Strategically. Without paying off the debt first.
The debt doesn't disappear. You still owe it. But it stops reporting to your personal credit file, stops tanking your score, and sits at 0% interest on business cards instead of 18–29% APR on personal ones.
This is not the only strategy available to you. Depending on your situation — your credit score, your debt load, your income, your business revenue — there may be a better starting point. Debt settlement, revenue-based financing, SBA products, or simply optimizing your profile for direct business funding without the consolidation step. FCFM is the most powerful tool for people who have high-utilization personal credit card debt that is killing their score.
The right strategy depends on your full picture. This playbook gives you the FCFM framework so you understand what's possible. A call with me tells you what's optimal for you specifically.
Not sure if FCFM is the right move for you? A 15-minute call is all it takes. I'll look at your debts, your credit profile, and your goals, and tell you whether FCFM is your fastest path or whether something else gets you there quicker.
Book a Free Strategy CallBefore you start acquiring the business funding that makes FCFM work, your credit profile should look something like this for optimal results. This is the target — not a hard requirement.
Maintain above 720 across all 3 bureaus for best approval odds and highest credit limits.
Max 3 inquiries per bureau in the last 6 months. Fewer is always better.
Average account age of 2+ years. Zero derogatory marks — no lates, collections, or charge-offs.
Reporting to all 3 bureaus with a healthy mix of revolving and installment accounts.
This is the optimal profile, not a hard cutoff. You can still execute FCFM with scores in the 680–720 range, fewer accounts, or shorter history. The closer you are to these benchmarks, the more funding you'll secure and the better the terms. Think of it as a results multiplier, not a gatekeeping checklist.
Looking at these benchmarks and feeling behind? That doesn't mean you can't get funded — it means you might not be ready for this specific strategy today. I help clients rebuild profiles from the ground up and get them qualified and then funded. Every situation is different.
Book a Free Strategy CallClean your credit report first. Remove every negative mark — except utilization. I handle utilization differently in Step 2.
Right now, focus exclusively on charge-offs, collections, late payments, and public records. Here's what counts as a negative mark:
Critical: Do NOT worry about utilization right now. Even if your cards are maxed to the ceiling, leave them alone. The entire point of FCFM is to handle utilization through consolidation, not by paying balances down. Fix the derogatories. Leave the balances exactly where they are.
30–60 days for dispute resolution. Settlement negotiations can take 2–4 weeks. Plan for 4–8 weeks total to clean your report of negative marks.
Disputes, settlements, and bureau strategy are a skill set. I handle this for clients regularly — settlement negotiations, pay-for-delete agreements, bureau disputes, goodwill removals. I know what works, what wastes time, and how to get the fastest results.
Let's Fix Your CreditBefore you can acquire business credit cards in Step 3, you need a business entity on paper. It doesn't need to be complicated. It doesn't need to be a real business generating revenue. You just need the structure in place so lenders have something to underwrite against.
File an LLC with your state Secretary of State and get an EIN from the IRS — free, takes 5 minutes at IRS.gov. Pick a low-risk business type: consulting, management, marketing services. The funds you acquire don't have to be used exclusively for that business.
Open a business checking account at a major bank — Chase, BofA, Wells Fargo. Aging the account and keeping activity in it helps your applications, but it's not strictly required. Relationships still matter in finance.
Get a business phone number (Google Voice works). Set up a basic business email. Register with directory assistance. Some lenders verify business existence by calling the number on the application.
This is a 1–3 day setup. Total cost: $50–$300 depending on your state's LLC filing fee. The EIN is free. Google Voice is free. This isn't a barrier — it's paperwork. Get it done.
Move your credit card debt off revolving accounts and into an installment loan. This single move drops your utilization from 80%+ to 0% overnight — without paying a dollar off.
Credit scoring models treat revolving debt and installment debt completely differently. A credit card at 80% utilization destroys your score. A personal loan for the exact same dollar amount barely moves the needle. Same debt. Different account type. Completely different scoring impact.
By consolidating your credit card balances into any installment loan, you're not reducing your total debt — you're reclassifying it. Your revolving utilization drops to 0%. Your score jumps 50–150+ points. And suddenly you're fundable for business credit.
+50–150 credit score points within one reporting cycle (30 days). You are now in the funding zone.
If you can't qualify for a traditional personal loan due to your current credit situation, bridge loans are an option. They're short-term, higher-cost loans designed specifically to bridge the gap between where you are and where you need to be. The cost is justified because the business funding you acquire in Step 3 more than covers it. I use these for clients when the situation calls for it.
Need help finding the right consolidation vehicle? I work with multiple lending partners and know exactly which products will approve you based on your current profile. One call and I match you with the right vehicle to make Step 2 happen.
Book a Free Strategy CallAcquire business credit cards at 0% APR. Your credit is clean, your utilization is 0%, your business exists. You're now in the best possible position to get approved for maximum limits at 0% interest.
You're targeting 0% APR business credit cards with 12–15 month introductory periods. Business card limits are typically 2–5x higher than personal cards because they're underwritten against business potential, not just personal income. With a 720+ score and 0% utilization, you're a premium applicant.
| Card | 0% APR | Limit Range | Bureau | Notes |
|---|---|---|---|---|
| Chase Ink Biz Unlimited | 12 mo | $10–30k | EX/EQ | Apply FIRST. 5/24 rule. Best opener. |
| Chase Ink Biz Preferred | 12 mo | $10–30k | EX/EQ | 100k pts bonus. Stack with Unlimited. |
| Amex Blue Biz Plus | 12 mo | $10–50k | EX | Highest limits. No annual fee. |
| Capital One Spark Cash | 12 mo | $10–25k | All 3 | 2% CB. Need 680+ all bureaus. |
| Citi AA Business | 12 mo | $10–25k | EX/EQ | 65k miles. Strict underwriting. |
| US Bank Biz Triple Cash | 12 mo | $5–15k | EX/EQ | 3% categories. Solid mid-tier. |
| BofA Biz Advantage | 9 mo | $5–15k | EX | Shorter promo. Relationship banking. |
Cadence: 2–3 applications per week. 4–6 cards total. All within a 14-day window.
Order: Chase first (5/24 rule), Amex second, Capital One third, remaining issuers based on pre-qualification.
Target: $50,000–$150,000+ in total 0% APR business credit.
The entire point of FCFM is to get debt off your personal credit report. If you use a business card that reports balances to personal bureaus, you defeat the purpose.
Capital One pulls all 3 bureaus AND reports business balances to personal credit — so while the approval is useful, be aware that balances will show on your personal report. Use sparingly within an FCFM execution.
Yes, you'll accumulate hard inquiries from these applications. That's expected and fine. Inquiries have the smallest scoring impact of any factor (5–10 points each), they stop affecting your score after 6 months, and they fall off at 24 months. Inquiries can also be disputed and removed. Don't let inquiry fear stop you from executing.
Applications, recon calls, and lender strategy are what I do daily. I handle every application, every denial reconsideration call, and every verification request. I know which lenders pull which bureau, what they want to hear on recon, and how to convert a pending into an approval. Average client funding: $85,000+.
Apply for Done-For-You FundingThis is where it all comes together. Pay off the installment loan from Step 2 using the business credit you acquired in Step 3.
Liquidate the business credit first if needed — balance transfers, cash advances at 0%, or funding deployment strategies — then use those funds to eliminate the consolidation loan entirely.
Here's what just happened:
The total amount of debt didn't change by a single dollar. You still owe the same amount. But that debt went from an 18–29% APR personal liability that tanks your score every month, to a 0% APR business liability that is invisible to your personal credit file. Same debt. Completely different financial reality.
When the 0% introductory period expires — typically 12–15 months — you execute the same cycle. Apply for new 0% business cards. Balance transfer the existing balances. Reset the clock. Maintain this as long as your personal credit stays clean and you continue qualifying for new business credit.
While the debt sits at 0%, you're no longer paying $400–$700+/month in interest. That freed-up cash flow can be used to actually pay down the principal, invest in your business, or build additional income streams. FCFM doesn't just relocate debt — it gives you the breathing room to actually escape it.
Want me to handle the entire FCFM process for you? I manage every step — credit repair, consolidation strategy, business setup, card applications, recon calls, fund deployment, and installment loan payoff. You bring the situation. I engineer the solution. Average turnaround: 60–90 days.
Book Your Free Strategy SessionIf your credit is already clean, you can compress FCFM to 4–6 weeks. The Fix phase is what takes the longest for most people.
| Week | Action | Phase | Milestone |
|---|---|---|---|
| 1 | Pull 3-bureau reports. Identify all negative marks (ignore utilization). Start disputes. | FIX | Audit complete. |
| 2–4 | Continue disputes (30-day window). Negotiate pay-for-delete. File LLC. Get EIN. | FIX + BIZ | Neg marks resolving. Entity forming. |
| 4–6 | Confirm removals. Open biz bank account. Apply for consolidation loan. | CONSOLIDATE | Credit clean. Loan secured. |
| 6–7 | Pay off all personal CC balances to $0. Request off-cycle bureau updates. | CONSOLIDATE | Utilization at 0%. Score spiking. |
| 7–8 | Pull updated scores. Confirm 720+. Pre-qualify with target lenders. | PREP | Green light confirmed. |
| 8–10 | Execute 4–6 biz card apps in 14-day window. Call recon on any non-instant approvals. | FUND | Approvals rolling in. |
| 10–12 | Receive cards. Liquidate and deploy. Pay off consolidation loan entirely. | MOVE | Debt relocated. FCFM complete. |
| 12+ | Autopay all biz cards. Track 0% expiry dates. Plan cycle renewal. | MAINTAIN | Clean profile. Scaling. |
Whether you're carrying $5,000 or $50,000 in high-interest personal credit card debt, the FCFM process is the same. The sooner you start, the sooner that debt stops destroying your credit — and starts costing you nothing in interest.
15 minutes. No pressure. Just clarity.
Book a Free Strategy CallQuestions? Cade@impruvu.io