About Michelle Mitchell

Michelle Mitchell is a consumer advocate, founder of 760Credit.Biz, a real estate and crypto-currency investor. Fed up with her own circumstances after losing a house in foreclosure and subsequently having bad credit, she sought out to change her own life and realized the true need for consumers to not just have great credit, but get the empowering information to keep, protect, and build their credit. She believes that credit helps to level playing fields. She also strongly believes that credit can be leveraged to build wealth.

How Do Credit Bureaus Make Money?

2017-10-26T09:27:27+00:00December 25th, 2015|Building Credit, Fix Bad Credit, How to Improve Credit Scores|

Every thing is making money Everyone wants to know what’s in it for the credit bureaus to collect your personal and financial data. Why is it that credit bureaus do not support consumer advocate companies like credit repair? And why do they support non-profit credit counseling services over credit repair companies? If you are a consumer, these are questions you [Read more...]

The Beauty of Business Revenue Financing

2017-10-26T07:07:33+00:00September 21st, 2015|Building Credit, Business Credit|

A great way for businesses to access money is through revenue-based financing. It's also sometimes referred to as revenue participation or revenue sharing funding. Revenue financing is a loan to a company which is paid back through a royalty on the revenues. Typically this royalty is in the 2 to 5% range. With revenue based capital, instead of selling ownership [Read more...]

What Does No Personal Guarantee Really Mean?

2017-08-17T07:22:49+00:00September 20th, 2015|Business Credit|

Most business owners use their personal credit and a personal guarantee for most of their business debts. This causes a big problem as the business owner then becomes liable for the business debts. And if the business has financial problems, the creditors then start pursuing the business owner's personal assets like their bank accounts and home. This can easily be [Read more...]

Your Credit Profile = Your Financial Resume

2017-10-26T07:08:59+00:00August 30th, 2015|Building Credit, Fix Bad Credit|

Creditors can find out a lot about you from your financial history when they run your credit. Think of your credit profile as the financial resume of your life. Have you gone through a divorce? Compiled a bevy of student loans? Undergone surgery for a medical condition? These are all things that can be deduced through reading your credit history [Read more...]

Your Credit – Friend or Foe?

2017-10-26T07:09:36+00:00August 30th, 2015|Building Credit, Fix Bad Credit, How to Improve Credit Scores|

When you think of your current credit situation, you might feel happy and secure in your standing, or you may get a bad taste in your mouth. When it comes to your financial management, your overall credit history can either help you or it can hurt you. Understanding how your credit history is represented and what your credit trail says [Read more...]