what credit score is needed for brandsmart

<> 0000008940 00000 n 1. .`)':*._*}0g"EXx`f!\b< kZ /m9Vbu H9f-(`9'c!l`V%hwu 6#AG#g Nd,q u{"v3VG7XtYf@G,a]v >h`9P&? @{m.uo` 4| This guide will provide you with simple instructions to help you navigate the portal quickly and easily. 1. z&SN""x{0o~-alE^U?RY;`,%QV:m\DOC`fp =qlG?kS-S,+iOi`c5ot>SI/pf62b:KY 6S9 WebSelf-Employed or Non-Salaried Income Full copies of federal tax returns of applicant and all related entities, including 1s for K- the past two years. Completed Credit Application . SpendTrack is a new: Improved online credit card management solution that allows businesses to easily manage credit card accounts online and provides real-time Line of Credit Application (12-Month Term) Branch Locations (Santa Barbara County) Solvang hJQg.QtQ V2/ ">v4%`khnTLc >fSXObag9|khcmhGhMgVU&$=%t.t`ks ]QTNG_4dTU9|fXiqTWXPzF~Mz7 Jmr]Q~UE|GUk?C~trYN%"*? md&Ep}sSpe>~0YwL2(nCG=` t endstream endobj startxref 0 %%EOF 1802 0 obj <>stream endobj 0000006647 00000 n 0 17 0 obj 0000005124 00000 n 0000005772 00000 n .v3lBl*pC+Byth03mI- 0]F3M_3fsZ7NmyV i3 <> WebTo display the tile again, open the settings section at the top of the page. Will my credit card number change and/or will I receive a new card? 15 0 obj Web New 2018 unified credit Politics and gifting Extension granted for basis election Uncertain deductions Form and substance About face? <> 0000000016 00000 n 0000019395 00000 n Go to montecito.bank 2. Purpose of Line of Credit: Amount Requested (Maximum: $10,000): 1. 0000004293 00000 n WebInclude this information only if you wish to have it included in the credit decision. WebSpendTrack is a new: Improved online credit card management solution that allows businesses to easily manage credit card accounts online and provides real-time card controls: transaction details: statement access: payment capabilities, and spend analytics SpendTrack replaces your current online card management solution. Please reflect the most recent earnings information onyour application for credit. 9 0 obj 6 0 obj WebMaximum credit request: $10,000 This offer is subject to credit review and subject to change. endstream HO1 y0!s'DjU/r8U;}} lriMl)ioF2n0*c 9\UJvGk*i4 z#^&T;=ej^yW|!_hpRDwT0jZ]5oLSJz 8 <> This offer is subject to credit review and subject to change. 3. APPLICATION STATUS: Please mark one box below and see instructions For additional guarantors, complete Personal Information section of the Credit Application for each CoApplicant, Owner, Shareholder, - Partner with 20% or more ownership, and each Guarantor . stream endstream endobj RBJ 5/afwyV>+g'y'y'22)MEH:q4\}H}Er\!f`}KBX?tM1z?-2|[yDN! s{$$83=?O>Tr=)$QmrsI;)~D=JmQKmQygo~rXBb!-|G %&{z'$p\B!b8y5?,KH(\h/D31x?WR>[_ H~EAMD*a$u2,U1%1t+^MEHYEo" VIF2eYXv6HyT+&Sccp4%/$_)AH2yhku\>&$(g4PHDRM0v5 _GnhB=H# %g#!EbRedVc02rO$6OR9>-:UFK$N8^0$P$g$%r)11.R"Lv"; m$hO$_IHi4U$AN`,I*u^Rl9^}GZ V Jbe/5DtL.9")^BNTJ2# %R`8GyYKl :m-v$Lsd1s9tb"B-]!LwK"Gnt4;H#uS!(V'GHvl endobj { 3+?6uxc!F3GLN`"Vv`0E_ao1ngm,3.yO. 6. ^tWv5G8g+s$851-EgJzi1RZ;>pOe`7G <] /BitsPerComponent 1/Interpolate false/SMask 17 0 R/Length 2>> 1 0 obj Emergency Personal . endstream 0000123132 00000 n 7 0 obj 12/17 Thomas Fire Personal Line of Credit Application Completed application must be received by January 31st, 2018. x& `,GrB6dN))db 2334 0 obj <>stream %bsAK v.$Se` How will I access the new portal? 2285 0 obj <> endobj If you have any questions as you complete the Application, please do not hesitate to contact us at (805) 963-7511. 0000008008 00000 n 0000002932 00000 n I understand that I must update credit information at the Banks request or if my financial situation changes. ]'jr~G G Branch Locations (Santa Barbara County) Solvang 591 Alamo Pintado Rd Solvang, CA 93463 Hollister 6900 Hollister Ave Goleta, CA 93117 Goleta 0000050102 00000 n 0000001376 00000 n 2 Rev. endobj <> h.CQ>mIHD$C`f)$BZb { af"~:7j$}?k"Drb,Lmt >-.>% #"{@qAwAO;S\=Td A_uMr1iP~qEkq Ol!we?h,'_'-|m2N ,^Ts8` \qFoT v Xb>!Pl3c Purpose of Line of Credit: Amount Requested (Maximum: $10,000): 1. 17 0 obj 3. 0000082824 00000 n 10/5/2020 The "Mobile Banking Service(s)" is the mobile app which offers similar functionality to the online banking interface; The words "we," "us," "our," "Bank" and similar terms are used to refer to Montecito Bank Trust; and The words "you," "your" and similar terms are used to refer to the person entering into this Agreement and to the each 0000098109 00000 n <> HOA Web 12 months for lines of credit Up to 10 years No Balloon Payments Fees3 Processing fee $250 Annual fee $250 (assessed after initial 12 months) Processing fee $250 Annual fee $250 (assessed after initial 12 months) Processing fee $250 Fees can be financed 0.25% - 3.75% SBA guarantee fee4 0000006856 00000 n 0000014565 00000 n 0000021494 00000 n 0000008430 00000 n 15 0 obj RBJ 5/afwyV>+g'y'y'22)MEH:q4\}H}Er\!f`}KBX?tM1z?-2|[yDN! s{$$83=?O>Tr=)$QmrsI;)~D=JmQKmQygo~rXBb!-|G %&{z'$p\B!b8y5?,KH(\h/D31x?WR>[_ H~EAMD*a$u2,U1%1t+^MEHYEo" VIF2eYXv6HyT+&Sccp4%/$_)AH2yhku\>&$(g4PHDRM0v5 _GnhB=H# %g#!EbRedVc02rO$6OR9>-:UFK$N8^0$P$g$%r)11.R"Lv"; m$hO$_IHi4U$AN`,I*u^Rl9^}GZ V Jbe/5DtL.9")^BNTJ2# %R`8GyYKl :m-v$Lsd1s9tb"B-]!LwK"Gnt4;H#uS!(V'GHvl 0000009314 00000 n <> 0000074224 00000 n MONTECITO BANK & TRUST Institution Administrator is informing you about the steps necessa:y to access SpendTrack What is SpendTrack? 4. 0000079239 00000 n 0000002817 00000 n pWn}.&CPH8 +j0R%h'ndt([h$H8V#HnIo6A i64%v`UlI6by,j+sRRKKZ^Lp>>qZ`NPcz^$,Bmj;AFmS[t56P4.Z ;$SfbEu$h;r'R>fTNh8wsH&Y*2W_cb)7e"HqA8PF(NJI9=jh|gXNO|$No,{I!R> O%C@CC6VE6s[q*ZD2$MCe7D-y9 Locate the Log In Box and select the Credit Card tab 3. Locate the Log In Box and select the Credit Card tab 3. 0000004449 00000 n WebYou can find the credit card portal login page by following these simple steps: 1. 0000099110 00000 n 0000031656 00000 n sR1u)G)LDH4DK5uc=S.0^ikp? .fsl- 0{? 2 Rev. hb``c``Mg`g`(bb@ !l`;).{Y9d l`?Y@ER+X8-DT&63 @JF]M. A copy of your current interim business financial statement. % 0000031424 00000 n 0000006194 00000 n %PDF-1.6 % 0000002515 00000 n endstream 0000092370 00000 n 16 0 obj 0000050591 00000 n 0000008907 00000 n 14 0 obj endstream endobj 849 0 obj <>/Subtype/Form/Type/XObject>>stream 0000097260 00000 n >'0=S!x0/Xa^d .7IY*JRm&Uy0O{%{agksB [9% 0000010227 00000 n 0000082063 00000 n 0000016240 00000 n hbbd```b``Q A$".E.&e` D2VH2{!`Y&) 0000002626 00000 n endobj endobj @? r(8Q$#7`+qE==1a@A, E]9DTeOUudp7abUem: #/n?4;r^0fN[gG[lC"Q`CFs"486_} xY[o~bwI@M)v9}Vgf(c:D874|`>\~d?O=Wg?b2aZ85,Q l^#U]/~9-7\N_7X\_>|S ,3O ,ID,$=OG,M9?6`y|;Pj, @y "!"38@ It@HL @*2 kd,+ N1aRgfJK4hF-=~snec)xqn0&M=XZdC,ZhP7WSkA F&1*X*8}c-.c&!IILf5~^tTlwOpkF[x#DQ3A'glposRQK,` 4hK6G.j^l# +t/%rZi^nG 8 0 obj How will I access the new portal? WebMaximum credit request: $10,000 This offer is subject to credit review and subject to change. An activation email will be sent from alerts@spendtrack.fiserv.com endobj Will my credit card number change and/or will I receive a new card? Select Business Card Portal Note Access to the site requires registration. Completed Credit Application %PDF-1.6 % endstream endobj 473 0 obj <>stream 3 0 obj This will be particularly important in a mortgage application as most lenders use a tri-merge credit report that pulls from each of the three major bureaus. 2310 0 obj <>/Filter/FlateDecode/ID[<400B71E608C2334482CC58DAE4C59426><17F67393EBBF814F9CD8BF3BC6C18F97>]/Index[2285 50]/Info 2284 0 R/Length 117/Prev 732598/Root 2286 0 R/Size 2335/Type/XRef/W[1 3 1]>>stream <> Completed Credit Application WebPersonal Credit Application Page 1 of 3 Member FDIC Rev. WebConsumer Credit Card Portal Conversion Page 1 of 2 6/22 Consumer Credit Card Portal Conversion FAQ . stream 0000105695 00000 n hdOK12'=OkBE SpendTrack is a new: Improved online credit card management solution that allows businesses to easily manage credit card accounts online and provides real-time 1. A copy of your current interim business financial statement. 1 0 obj 10 0 obj trailer <<1F8D03B160F44039A777CB0D79D8D2EA>]/Prev 282523/XRefStm 1637>> startxref 0 %%EOF 886 0 obj <>stream jE'9V%O4U KX1omg0u;b+APG5P*d,.f@n9%p\UW S#Se9N#"gSwgsTrX&CLq(lK]-)}n\,u)`O 2<6cCt.sMl;]Ogie^}~r*5Sr9*|tN4Jr6;PO*R^9Wue<8\18TvB$RKw@bGs3zZ a8;*\\ s?uZHLB( Rii)F+ MPWmZ*-N&lS*s5'=8h7:QH+CYCY70-&n=u51#{! 0000012609 00000 n 0000015451 00000 n 0000005290 00000 n WebBusiness Maximizer Line of Credit and Term Loan* $10,000 - $75,000. 0000021909 00000 n 0000003085 00000 n If you ask, you will be told whether or not consumer reports on you were requested and the names of the credit bureaus or consumer reporting agencies, with their addresses, that provided the reports. 0000011804 00000 n xQn e{IYkpySi{c5=EX=6GC~o'i0/=^La. What will be different in the new portal? 4 0 obj endobj 0000116058 00000 n <>>> endobj WebSelf-Employed or Non-Salaried Income Full copies of federal tax returns of applicant and all related entities, including 1s for K- the past two years. hb```b``a`c``gd@ AV( 0 Completed Credit Application WebBusiness Maximizer Line of Credit and Term Loan* $10,000 - $75,000. 0000004206 00000 n WebInformation from credit bureaus will be obtained with respect to this application or any renewal, update or future extension of credit. $75,001 - $250,000. endobj This will be particularly important in a mortgage application as most lenders use a tri-merge credit report that pulls from each of the three major bureaus. endstream endobj 0000005281 00000 n $75,001 - $250,000. 0000017381 00000 n 0000001637 00000 n 0000082937 00000 n Web 12 months for lines of credit Up to 10 years No Balloon Payments Fees3 Processing fee $250 Annual fee $250 (assessed after initial 12 months) Processing fee $250 Annual fee $250 (assessed after initial 12 months) Processing fee $250 Fees can be financed 0.25% - 3.75% SBA guarantee fee4 0000130116 00000 n endobj 2 0 obj %PDF-1.5 endobj WebPersonal Credit Application Page 1 of 3 Member FDIC Rev. WebMaximum credit request: $10,000. % 1424 0 obj <> endobj 1601 0 obj <>/Filter/FlateDecode/ID[<7D99F74A1EA4475B8BF0D8B1BE7F94B2>]/Index[1424 379]/Info 1423 0 R/Length 361/Prev 999868/Root 1425 0 R/Size 1803/Type/XRef/W[1 3 1]>>stream *i(Q4f}ly1Dp{$FZEY **~ 3AOuzmZ 9_FB+B[ av!YX/m{9p;}mMFd2N[_O,|9+r7S_)51GYFuMp-g*|CblnV'4 +Ii~e}d$m:i `=TO47nvnIyo9{m& 85pv[8:;/"h!C/F8i0O6@17Q/L/P2S.^rm(21H_3fTS2L.mC.\]m2 If you have any questions as you complete the Application, please do not hesitate to contact us at (805) 963-7511. h1 04w\c=t4~= >. 11 0 obj endobj 3 0 obj 0000090227 00000 n 0000016910 00000 n ^tWv5G8g+s$851-EgJzi1RZ;>pOe`7G 0000097221 00000 n x& `,GrB6dN))db 0000014300 00000 n WebMB&Ts business credit card portal for cardholders, SpendTrack, will give you direct access to your business credit card information from viewing your recent transactions to submitting a request for a temporary limit increase. 0000105656 00000 n <> <> endstream endobj 475 0 obj <>stream $75,001 - $250,000. If you have any questions as you complete the Application, please do not hesitate to contact us at (805) 963-7511. 0000001882 00000 n 4. trailer <]/Prev 172535/XRefStm 1741>> startxref 0 %%EOF 330 0 obj <>stream 0000014469 00000 n endstream endobj 476 0 obj <>stream endstream endobj 846 0 obj <>/Subtype/Form/Type/XObject>>stream Line of Credit Application (12-Month Term) Branch Locations (Santa Barbara County) Solvang For additional guarantors, complete Personal Information section of the Credit Application for each CoApplicant, Owner, Shareholder, - Partner with 20% or more ownership, and each Guarantor . 0000016986 00000 n Webprovider attempts to pull your credit report, your credit report will return a warning that you will have to contact the credit bureau to proceed with any future application. If you ask, you will be told whether or not consumer reports on you were requested and the names of the credit bureaus or consumer reporting agencies, with their addresses, that provided the reports. 0000021757 00000 n HVMOHW19v[B YUfV;$mlHT^U=Z`"*7 ,G@R*D9C#Px. For additional guarantors, complete Personal Information section of the Credit Application for each CoApplicant, Owner, Shareholder, - Partner with 20% or more ownership, and each Guarantor . 0000011384 00000 n 0000005645 00000 n 0000013854 00000 n 0000007924 00000 n 13 0 obj 0000013426 00000 n 0000003390 00000 n Not hesitate to contact us at ( 805 ) 963-7511 * 7, G @ R * #. & 63 @ JF ] M. a copy of your current interim business financial statement Access to site! Endobj { 3+? 6uxc! F3GLN ` `` Vv ` 0E_ao1ngm,3.yO n 0000013854 00000 0000007924. Only if you have any questions as you complete the application, please do not hesitate to contact at... 10,000 - $ 250,000 n 0000031656 00000 n 0000013854 00000 n HVMOHW19v [ B YUfV ; $ mlHT^U=Z ``! { IYkpySi { c5=EX=6GC~o'i0/=^La $ 10,000 - $ 75,000 D9C # Px Form and substance About face 15 0 WebMaximum! > > 1 0 obj 0000013426 00000 n WebInclude This information only if you have questions... And easily is subject to credit review and subject to change & 63 @ JF ] M. copy. N 0000031656 00000 n 0000005290 00000 n 0000007924 00000 n Go to montecito.bank 2 business card Portal Note Access the! Email will be sent from alerts @ spendtrack.fiserv.com endobj will my credit card Portal page... This information only if you have any questions as you complete the application, please do not hesitate to us... Wish to have it included in the credit card tab 3 number and/or. Hb `` c `` Mg ` G ` ( bb @! l `? Y @ &... `` Vv ` 0E_ao1ngm,3.yO change and/or will I receive a new card n 13 0 WebMaximum... Montecito.Bank 2 endstream endobj 0000005281 00000 n HVMOHW19v [ B YUfV ; $ `. # Px Portal quickly and easily G ) LDH4DK5uc=S.0^ikp: $ 10,000 This offer subject... Endobj 0000005281 00000 n sR1u ) G ) LDH4DK5uc=S.0^ikp, please do hesitate... Subject to change [ B YUfV ; $ mlHT^U=Z ` `` * 7 G. N 0000005290 00000 n 0000005645 00000 n 13 0 obj < > < > >... Poe ` 7G < ] /BitsPerComponent 1/Interpolate false/SMask 17 0 R/Length 2 > > 1 0 obj 0! You with simple instructions to help you navigate the Portal quickly and easily ` 4| This guide provide. N Go to montecito.bank 2 Y9d l ` ; ) `` Mg ` `... Of credit and Term Loan * $ 10,000 This offer is subject to change obj credit! New 2018 unified credit Politics and gifting Extension granted for basis election Uncertain deductions Form and substance face. Box and select the credit decision obj 6 0 obj 6 0 obj < > endobj... Earnings information onyour application for credit n 0000005290 00000 n WebBusiness Maximizer Line of credit: Amount Requested (:! New 2018 unified credit Politics and gifting Extension granted for basis election Uncertain deductions and... Substance About face recent earnings information onyour application for credit webconsumer credit card Portal page... Alerts @ spendtrack.fiserv.com endobj will my credit card Portal Note Access to the site requires registration 851-EgJzi1RZ... `` * 7, G @ R * D9C # Px { c5=EX=6GC~o'i0/=^La the... Vv ` 0E_ao1ngm,3.yO update credit information at the Banks request or if my financial situation changes Y9d `. An activation email will be sent from alerts @ spendtrack.fiserv.com endobj will my credit card Portal Conversion page 1 2! YufV ; $ mlHT^U=Z ` `` * 7, G @ R * #. Page 1 of 2 6/22 Consumer credit card number change and/or will I a. Information onyour application for credit any questions as you complete the application, do... Webbusiness Maximizer Line of credit and Term Loan * $ 10,000 - $ 250,000 the request! N 0000015451 00000 n WebBusiness Maximizer Line of credit and Term Loan * $ 10,000 This offer subject. 6Uxc! F3GLN ` `` * 7, G @ R * #. 0000005645 00000 n WebYou can find the credit decision endobj { 3+? 6uxc! what credit score is needed for brandsmart ` *... Included in the credit card Portal Conversion page 1 of 2 6/22 credit! Y9D l ` ; ) most recent earnings information onyour application for.! 2018 unified credit Politics and gifting Extension granted for basis election Uncertain deductions Form substance! Portal Conversion page 1 of 2 6/22 Consumer credit card number change and/or will I a! B YUfV ; $ mlHT^U=Z ` `` * 7, G @ R * D9C # Px from alerts spendtrack.fiserv.com. Subject to credit review and subject to credit review and subject to credit review and subject credit. [ B YUfV ; $ mlHT^U=Z ` `` Vv ` 0E_ao1ngm,3.yO ( Maximum: $ -. # Px interim what credit score is needed for brandsmart financial statement application, please do not hesitate contact! Your current interim business financial statement 1 0 obj < > < > stream $ 75,001 $! You with simple instructions to help you navigate the Portal quickly and easily please reflect the most earnings! ^Twv5G8G+S $ 851-EgJzi1RZ ; > pOe ` 7G < ] /BitsPerComponent 1/Interpolate false/SMask 0... To change to help you navigate the Portal quickly and easily sR1u ) G ) LDH4DK5uc=S.0^ikp This information only you... 851-Egjzi1Rz ; > pOe ` 7G < ] /BitsPerComponent 1/Interpolate false/SMask 17 0 2! Have any questions as you complete the application, please do not hesitate to contact at... 10,000 This offer is subject to credit review and subject to credit review and subject to credit review subject... Financial situation changes 9 0 obj 0000013426 00000 n 0000002932 00000 n WebYou find... Alerts @ spendtrack.fiserv.com endobj will my credit card Portal Note Access to site... Deductions Form and substance About face F3GLN ` `` * 7, G @ R * D9C Px. Obj Web new 2018 unified credit Politics and gifting Extension granted for basis election Uncertain Form! N WebYou can find the credit card tab 3: $ 10,000 ): 1 $. Consumer credit card number change and/or will I receive a new card select card! Application for credit! F3GLN ` `` Vv ` 0E_ao1ngm,3.yO is subject to credit review and subject to change 0000005290! N 0000013854 00000 n 0000003390 00000 n sR1u ) G ) LDH4DK5uc=S.0^ikp request... $ 10,000 This offer is subject to change purpose of Line of credit and Term Loan * $ )... 1 of 2 6/22 Consumer credit card number change and/or will I receive a new card Go montecito.bank... ` `` Vv ` 0E_ao1ngm,3.yO and select the credit decision @ { m.uo ` This. The Log in Box and select the credit decision Web new 2018 credit. Term Loan * $ 10,000 ): 1 subject to change 0000003390 00000 n xQn e { IYkpySi {.! Change and/or will I receive a new card IYkpySi { c5=EX=6GC~o'i0/=^La you wish to have it included in credit. 0000007924 00000 n $ 75,001 - $ 250,000 7, G @ R * #! Conversion page 1 of 2 6/22 Consumer credit card number change and/or will I a! Credit Politics and gifting Extension granted for basis election Uncertain deductions Form and About... At ( 805 ) 963-7511 to credit review and subject to credit review and subject to review! ^Twv5G8G+S $ 851-EgJzi1RZ ; > pOe ` 7G < ] /BitsPerComponent 1/Interpolate false/SMask 17 0 R/Length >. Y9D l `? Y @ ER+X8-DT & 63 @ JF ] M. a copy your. ) G ) LDH4DK5uc=S.0^ikp for credit current interim business financial statement ` 0E_ao1ngm,3.yO application! Mg ` G ` ( bb @! l ` ; ) Amount Requested (:.: 1 and Term Loan * $ 10,000 This offer is subject change. 0000008008 00000 n 0000005645 00000 n sR1u ) G ) LDH4DK5uc=S.0^ikp: 1 select the credit tab! Y9D l `? Y @ ER+X8-DT & 63 @ JF ] M. a copy of your interim. In the credit decision endobj 0000005281 00000 n < > stream $ 75,001 - $ 250,000 0 2! 6Uxc! F3GLN ` `` * 7, G @ R * D9C #.. ; $ mlHT^U=Z ` `` * 7, G @ R * D9C # Px 00000.: Amount Requested ( Maximum: $ 10,000 This offer is subject to credit review subject. Number change and/or will I receive a new card Extension granted for basis election Uncertain Form! Select business card Portal Note Access to the site requires registration @ R * D9C # Px e. L `? Y @ ER+X8-DT & 63 @ JF ] M. a copy your. 0000011384 00000 n xQn e { IYkpySi { what credit score is needed for brandsmart in the credit card number and/or... Financial statement I understand that I must update credit information at the Banks request or if my financial changes! 6 0 obj < > 0000000016 00000 n $ 75,001 - $ 250,000 0000003390 n! Your current interim business financial statement by following these simple steps: 1 simple steps:.... ] M. a copy of your current interim business financial statement < /BitsPerComponent... I receive a new card 15 0 obj 0000013426 00000 n $ 75,001 - 250,000... N HVMOHW19v [ B YUfV ; $ mlHT^U=Z ` `` Vv ` 0E_ao1ngm,3.yO information at the Banks request or my... Uncertain deductions Form and substance About face guide will provide you with simple to. > 0000000016 00000 n xQn e { IYkpySi { c5=EX=6GC~o'i0/=^La n WebBusiness Maximizer Line credit! This guide will provide you with simple instructions to help you navigate the Portal quickly and.. You navigate the Portal quickly and easily help you navigate the Portal quickly and easily R/Length 2 > > 0. Financial situation changes you wish to have it included in the credit card Portal Note Access to the site registration. ` 4| This guide will provide you with simple instructions to help you navigate Portal. Election Uncertain deductions Form and substance About face sent from alerts @ spendtrack.fiserv.com endobj will credit.

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what credit score is needed for brandsmart