Secrets to Improve Your Credit Score

Wednesday, October 27, 2010

Quick Tip #1 for Business Credit

Dun and Bradstreet operate on a 'fiscal year' as far as their reporting. It doesn't matter if a company incorporates in September or December - come January 1st it's one year old!

Tuesday, October 26, 2010

The Four Tiers of Business Credit and the Personal Guarantee

Building business credit is more than obtaining a DUNS number and filling out business credit applications. For business owners of new businesses knowing the different types of business credit available to small business owners and when to apply is even more essential to its financial success.

Read more at Suite101: The Four Tiers of Business Credit and the Personal Guarantee http://business-mortgages.suite101.com/article.cfm/the-four-tiers-of-business-credit-and-a-personal-guarantee#ixzz0vPoJUNca

Monday, October 25, 2010

Federal Home Energy Efficient Mortgage Program

An Energy Efficient Mortgage is a mortgage loan that is funded by a traditional lending institution and is insured by the Federal Housing Administration. Borrowers do not have to qualify for the additional funds and no additional down payment is required. The thinking behind this is that the money saved on the consumer’s utility bills will offset any increase in the monthly mortgage payments.

Read more at Suite101: Energy Efficient Mortgage Program (EEM): Federal Home Improvement Loan for Purchase or Refinancing http://home-mortgages.suite101.com/article.cfm/energy-efficient-mortgage-program-eem#ixzz0tiSQy597

Business Credit and Business Credit Scores

Building business credit is similar to personal credit, the only difference are the players. There are three business credit reporting agencies, Dunn & Bradstreet, Experian for Business and Equifax for Business. Business credit reports contain the business address, EIN number, creditor information, public records and a record of the inquiries. New business owners will want to ensure each of the bureaus open a file on their company and the information contained in it is accurate and complete.

Read more at Suite101: Business Credit and Business Credit Scores http://business-financial-planning.suite101.com/article.cfm/business-credit-reports#ixzz0vPmBE1DZ

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