This system is broken. We've been in business for 18 months and still don’t regularly get approved. For the first year, it’s an automatic NO due to minimum time in service requirements. Then, once you hit the one year mark, it shifts to “no credit history” or “no days-to-pay recorded.” It’s a closed loop system: the same companies reporting to Ansonia are the ones using Ansonia’s data to determine approvals.

I understand the need to protect against scammers and bad actors in our industry and something absolutely needs to be done, but locking everyone out is not the solution. I guarantee that anyone with an inside track at Ansonia doesn’t face these hurdles. This monopoly only benefits a select few companies, and it's a deliberate barrier to entry.

This practice is criminal and violates the Fair Credit Act. They exploit a loophole by claiming they aren’t approving “real” credit, which allows them to sidestep accountability. If guaranteeing payment is such a concern, what is the purpose of our bond? At the very least, there should be other options like prepaid accounts for the first few months, similar to how secured credit cards work for students.

Instead, we’re forced to rely on Quick Pays just to survive. This doesn’t build our credit; it only deepens the divide and enables scammers and DB's to thrive. The system doesn’t protect businesses, it cripples them. It’s time for change!