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"Guiding you from financial distress to financial success"

Use Your EIN for Credit and Stop Funding Your Business with Your Own Money – This is Foolproof!

Do you know how to use your EIN for credit? We can show you how and why to separate your personal and commercial credit, using your EIN all the way.

Whether you have a new small company, or you are now associated because you paid for one or have suddenly become an owner or a manager, it doesn’t matter. For here are reasons you ought to develop your business credit using your EIN.



The media, newspapers, and internet are full of credit myths. Much of the information regarding credit is inaccurate. Let’s check out some common credit myths:

Credit Myth 1: “The balance on my credit cards doesn’t matter. As long as I pay the minimum payment on my credit cards, I will have a perfect credit score.” 

TRUTH: This credit myth can get you in a lot of trouble. Just because you pay your bills on time does not mean you will have a perfect credit score. Especially if your credit cards are maxed out or close to the limit.




They said to wait 7 to 10 years but I didn't listen...

Ever feel like a hamster in a wheel?

That was me for the first few years of trying to fix my credit —or more like having my credit running me.

In this week’s post I share what changed to turn it all around and why this is your next step to getting more negative items removed from your credit report and a higher credit score.



Finally I can reveal my credit-boosting secrets

Years ago, my credit score hit rock bottom. And I had quite a struggle lifting it back up.

It took me months and months of research, trial and (embarrassing) error, and mistake after mistake after mistake.

After six months of working at it, I still couldn’t…

  • Buy a house…heck, I couldn’t even get an apartment without paying a steep security deposit!




How to Fix a Bad Credit History to Qualify for Low Interest Rate Auto Loan, Mortgage Loan & Credit Cards

Someone once said that being poor is very expensive.  This is also true for people who have a bad credit history.  Interest rates are higher for these people and as a result, it is costlier and takes longer for them to pay off their debts.  People with a bad credit history face other challenges as well.  For one thing, there are the constant calls from creditors at all times of the day demanding that they pay their debts.  For another, there is realization that – especially during the holiday season – they cannot afford the things they see other people buying.






5 Simple Ways To Raise Your Credit Score Up To 200 Points

When I ask most folks, “How do you plan to improve your credit score?” the most common answer I get is, “I’m going to pay down my debt.”

And while that’s usually a good long-term strategy, there are some short-term strategies that can boost your credit score much faster.

There’s a good chance you haven’t thought of two …maybe even ALL…of these often-overlooked methods.






3 tips to skyrocket your credit scores

It may seem like you are always trying to find ways to improve your credit score, but there are actually several ways to skyrocket your credit scores so you can qualify for the home of your dreams or get a new car with a low interest rate.

Below, I’ll be sharing with you 3 different ways to improve your credit scores with just a few tips.





3 Must Do Steps to Repair, Rebuild, and Protect Your Credit

Have you ever been trapped by acute financial misfortunes resulting from a bad credit score?

All the same, you are not the only person presently going through it. One of the biggest victims of financial crisis and economic recession is your credit score.

Sadly enough, your credit score can determine not only the credit you get and at what interest rates you'll pay, but it can affect your insurance premiums adversely and your ability to secure a job.



How to Permanently Remove Collections From Your Credit Report

Have you ever struggled with multiple collection accounts on your credit report causing you credit denial?  It can be frustrating, stressful and completing overwhelming to think of how to deal with those daily harassing phone calls, piles of collection notices to collect on the debt and the dreadful low credit scores they’re causing.

Thankfully, there’s a better way. 


How to Write An Effective Dispute Letter

Are you happy with your credit report? If your score is 700 or above, you might be but if it is 600 or below, you should worry because you will be paying more when you try to get a loan or purchase something. If you believe that your credit score should be higher, you should know how to write a credit repair dispute letter.

Before you can write your credit repair dispute letter, you must first a copy of your credit report. You can get this for free from one of the three credit agencies namely Equifax, Experian or Trans Union.


Are There Holes In Your Bucket That Leak Unnecessary Money

In my 10+ years in this business I’ve found something that never ceases to amaze me. People are more than willing to throw away lots of money on late fees, unnecessary shopping sprees, and unproven credit repair tactics when instead they would be better served spending a dedicated amount of time it’d take to fix the holes in their financial habits and credit repair practices that are leaking funds.

Usually directly into their creditors' wallets.

Below I'm going to reveal the several areas I've found where you can quickly seal the holes in the bucket - and often increase your credit scores 100+ points.


Credit Repair Can Be Scary But It Doesn't Have To Be

Drop that I can't do this alone attitude. You can do credit repair on your own and it is your legal right. All you need is the proper knowledge to do so. Acquiring the information is the key. You need to do some or a lot of research and studying before you tackle repairing your credits, though. The amount of time and effort you will give on this project depends on the foundation of your knowledge on credit repair and financial management.

The first thing that you will do is get all your credit reports and study them. Credit reports are free so get accurate reports directly from the credit bureaus.



The Shocking Real Reason Why You Have Poor Credit Scores

Are you tired of being denied credit every time you apply for a credit card or new car or even a simple department store card?

Are you sick and tired of being harassed daily by creditors and collection agencies and dodging their phone calls at home and at work?

Have you ever been burned by a credit repair company in the past?