I have a merchant that owns a home-based trucking company. He is looking for $30K-$40K. He does not have any outstanding advances. His current MTD is $40K as of 12/29 with an available balance of $11K. Additionally, he did $35K in Nov, $40K in Oct, $79K in Sep & $81K in Aug. He average 1 negative day per month & has approximately $3,500 in an average daily balance (not including the current month). He has a 600 experian credit score. Unfortunately, his credit report reflects a mortgage with BofA that is past due $64K; however, this is inaccurate. The mortgage is being modified, which is why the tradeline reflects this way. I have the most recent mortgage statement confirming that he is current on his payments. PM me if you think you can help.