Credit Tools

Free Tips & Resources to help you get back on track

How To Dispute And Correct Credit Report Errors

2018-11-15T12:17:55+00:00November 14th, 2018|Fix Bad Credit|

How To Dispute And Correct Credit Report Errors TransUnion, Experian and Equifax are the main credit bureaus that are widely used by lenders and other institutions. They each maintain account information about consumers that creditors and collection agencies provide to them. Some companies only report to one or two bureaus and some all three. So each report [Read more...]

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...]