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In February 2016, credit reporting agency, Experian, conducted a national survey concerning home-buying and credit. Despite a home-buying climate of low mortgage rates, many individuals are still concerned about their credit score and how it will affect their home buying ability over the next 12 months.

According to Experian, 40% of survey respondents who earn $100,000 or more per year voiced a concern about being able to access necessary financing for a home & 29% of those buyers are working to fix their credit score in order to qualify for a better rate.

While an individual’s total income and assets are used to gain loan approval they are not an indicator of a healthy credit profile. In order to get better mortgage rates on a jumbo loan individuals need to have a 720 FICO mortgage score or better. When borrowers drop below a 700 they can face higher pricing or be denied entirely. The FICO mortgage score defines risk based on payment history and overall credit profiles. This includes, average age of credit, variety of credit, payment history, new credit, balance to limit ratio’s on revolving credit, and payment history. The score does not take into account any and all assets when tabulating a score threshold. Just because an individual has assets and income does not guarantee they will use those assets and income to pay back the loan. Lenders want to identify which borrowers will likely pay back the loan and can handle the extra expense without becoming overwhelmed.

#creditrepair   #creditscore   #creditreport   #mortgagerates   #buyingahome   #interestrates  
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Tracy Becker

Discussion  - 
 
In February 2016, credit reporting agency, Experian, conducted a national survey concerning home-buying and credit. Despite a home-buying climate of low mortgage rates, many individuals are still concerned about their credit score and how it will affect their home buying ability over the next 12 months.

According to Experian, 40% of survey respondents who earn $100,000 or more per year voiced a concern about being able to access necessary financing for a home & 29% of those buyers are working to fix their credit score in order to qualify for a better rate.

While an individual’s total income and assets are used to gain loan approval they are not an indicator of a healthy credit profile. In order to get better mortgage rates on a jumbo loan individuals need to have a 720 FICO mortgage score or better. When borrowers drop below a 700 they can face higher pricing or be denied entirely.
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Tracy Becker

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Does Wealthy Mean A Better Credit Score?

While an individual’s total income and assets are used to gain loan approval they are not an indicator of a healthy credit profile. In order to get better mortgage rates on a jumbo loan individuals need to have a 720 FICO mortgage score or better. When borrowers drop below a 700 they can face higher pricing or be denied entirely. The FICO mortgage score defines risk based on payment history and overall credit profiles. This includes, average age of credit, variety of credit, payment history, new credit, balance to limit ratio’s on revolving credit, and payment history...
 
In February 2016, credit reporting agency, Experian, conducted a national survey concerning home-buying and credit. Despite a home-buying climate of low mortgage rates, many individuals are still concerned about their credit score and how it will affect their home buying ability over the next 12 months.

According to Experian, 40% of survey respondents who earn $100,000 or more per year voiced a concern about being able to access necessary financing for a home & 29% of those buyers are working to fix their credit score in order to qualify for a better rate.

While an individual’s total income and assets are used to gain loan approval they are not an indicator of a healthy credit profile. In order to get better mortgage rates on a jumbo loan individuals need to have a 720 FICO mortgage score or better. When borrowers drop below a 700 they can face higher pricing or be denied entirely. The FICO mortgage score defines risk based on payment history and overall credit profiles. This includes, average age of credit, variety of credit, payment history, new credit, balance to limit ratio’s on revolving credit, and payment history. The score does not take into account any and all assets when tabulating a score threshold. Just because an individual has assets and income does not guarantee they will use those assets and income to pay back the loan. Lenders want to identify which borrowers will likely pay back the loan and can handle the extra expense without becoming overwhelmed.

Rod Griffin, director of Public Education at Experian said, “Consumers planning to purchase a home should check their credit scores and reports to see where they stand. From there they can develop a financial plan so they are in the best place to try to secure the loan they desire.”

Even wealthy individuals may end up discouraged when independently reviewing their credit profile. Credit reports are not easily understood and there is a lack of information available to educate the general public on home-buying and financing. Before applying for a mortgage it’s important that you address any possible credit issues with your spouse and review both credit profiles regularly – checking for any inconsistencies. Make sure to purchase the “right credit scores” since there are so many scores sold online that are not the same as the score used by mortgage bankers. We have found the closest score to what mortgage bankers use can be purchased at myfico and buying these scores will not hurt credit.

I have written many articles in the past urging individuals to build their credit scores especially if they plan on purchasing a home in the future. Future home-buyers should take steps early to ensure they have the best credit scores. It only takes one delinquency or late-payment to impact an individuals lending ability. Besides paying bills on time and paying off/minimizing revolving credit card debt they should try to improve any accounts that are dragging the score down. If an individual has derogatory accounts they can reach out to us for a professional opinion of whether the accounts can be improved or removed from credit.

Reach out to us to speak with one of our credit experts; we have found that when individuals take credit repair into their own hands they end up giving the creditor information that could make it harder to restore their profile. Here at North Shore Advisory, our credit experts are well versed on the industry and the laws surrounding credit, we have 25 years of experience correcting and building credit profiles – please reach out for a free credit review.

Purchasing a home is a major milestone for many individuals – do not let your credit profile stand in the way of affordable financing.

If you have specific questions about credit feel free to reach out to us for a free credit review so we can give you insightful feedback and evaluate whether you are a candidate for credit repair, monitoring, or building.
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Tracy Becker

Running Your Business  - 
 
Can business and personal Credit Scores/Indexes make or break your businesses cash flow and success?

Whether you are in business for 20 years or just in the process of starting a business, being educated on how your business credit profiles can help or hinder your success is of great value.

The three major business credit bureaus are Dun & Bradstreet, Experian, and Equifax. Each of these credit bureaus have their own scores and indexes that reflect to the viewer if you are a higher risk partner, borrower, or potential supplier of goods and services. Unlike personal credit there is NO authorization needed for anyone to purchase your credit profile, scores, and reports. This means any competitor, potential account/partner, or lender can make decisions about your company based on what they see on your credit profile. Even more disturbing – they may choose not to reveal why you were rejected and there is no regulation forcing them to explain.

Many businesses do not realize that their credit profile is viewed by potential and existing accounts/partners for very important reasons. If your business is chosen to provide goods or services to a new account you may become a crucial link in the chain for successful delivery of goods and services to their accounts/partners. For example: If company “A” has a large order from Wal-Mart for a line of rugs and is reviewing varied textile suppliers to fulfill the order they must be sure they are not using a high risk partner. Since the textile firm will be a crucial link in the chain for successful delivery of this large purchase it is beneficial for the rug company to qualify which textile firm is stable and reliable. One way to gather this information is to view the business credit profile of the potential textile suppliers; this is also a way to pinpoint possible new risks of an existing supplier before a problem arises. Unbeknownst to the supplier they may be passed over or replaced if their business credit shows signs of higher risk. This is normal procedure for big retailers. It is standard for a retailer to reject or discontinue working with a potential or existing supplier if their Supplier Evaluation Rating (SER) fluctuates to a higher risk threshold. Dun & Bradstreet calculates each SER credit rating using business history, payment habits, and industry norms. The SER predicts the likelihood that a business will deliver goods as promised over the next 12 months; scores range from 1 to 9, 1 indicates the lowest risk and 9 indicating the highest.

If you find that your business/personal credit is having an impact on your SER score and effecting business opportunities, all is not lost; it is possible to fix your business credit profile. Paying bills on time or early is only one way to insure new delinquent information is not updated to credit. There are other ways to help build and improve credit such as submitting financial statements to Dun & Bradstreet and making sure up to date trade lines are reported. The tricky part about this is not every financial statement will improve credit and not all creditors update to Dun & Bradstreet. Many businesses opt for hiring us to monitor and improve their credit since the right credit experts have the experience and knowledge to choose what information will improve credit scores while understanding what needs to be discarded since it will hurt credit. At NSA we monitor, build, and improve credit scores to reflect the most attractive partner/borrower. Many companies hire us annually to insure scores are at their best and maintained every day of the year.

When applying for an SBA (Small Business Administration) loan many businesses do not realize that both business credit and the principal(s) personal credit scores play a part in whether they will be approved.

Prior to applying for a loan you should check both your personal and business credit profile to ensure all the information is correct and up-to-date. The SBA uses the FICO SBSS score to evaluate risk and approvals. This score is a combination of personal and business credit scores and indexes. If your business and personal credit are poor the likelihood you will be approved for this loan is low. Why is that a problem if you can get loan approval elsewhere? Any growing or existing business wants to get the best pricing possible for financing and outlay the lowest amount of cash for closing. Having the credit qualification to gain low interest rate loans can save a firm hundreds and thousands of dollars that could have been used for other expenses or opportunities to gain greater success. It is common that SBA loans roll the majority of closing costs for financing into the total cost of the project and then are included in the payment terms over time. A business does not have to come up with a large lump sum of cash to get necessary financing. This will not interrupt cash flow for needed expenses as most other loans do since a large down payment is necessary to gain financing.
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Tracy Becker

Running Your Business  - 
 
It can be a struggle for many business owners to fully understand the complexity of their credit profile and how much of an effect it can have on their growth.

There is a lack of information shared with businesses, and many are unaware that their business credit profile can be accessed at anytime, by anyone, without the owners consent or knowledge. A lender, creditor, or vendor may chose to deny funding, increase pricing, or partner with a different supplier/business - you may never know why you were denied because they are not obligated to inform you.

Let me ask - How concerned are you with monitoring your business credit profile? Are you worried about being able to obtain funding when the time comes?
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Thanks for your interest Keith, please feel free to share my article.
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Tracy Becker

Resources, Advice & Tools  - 
 
According to the National Small Business Association’s December 2015 economic report, more than one-in-four of small business firms cannot access adequate financing.

With little transparency surrounding business credit there is a lack of information provided to small businesses about their business credit score and the steps they can take to grow, fix, and monitor it.  Business credit is not regulated; it can be accessed at anytime, without the business owner’s consent or knowledge. This should be of great concern to business owners since decisions can be made about their future success without their knowledge.  If a lender, creditor, or vendor views a Dun & Bradstreet, Experian, or Equifax business credit profile, and they don’t like what they see they may chose to deny funding, increase pricing, or partner with a different supplier/business.  You may never know why you were denied or rejected since the lender or decision maker is not obligated to disclose this information to you.

Some well educated business owners know that having a strong business credit score is crucial to gaining access to capital, but they do not understand what they need to do in order to establish and secure their score.

Approximately one-in-five small businesses say that a lack of funding has hindered their ability to finance increased sales. (NSBA 2015)

Eventually, every smart business owner will utilize financing and credit in order to grow their business – this is why building a strong credit profile is so important and will help prove that your business is strong and healthy. Opening new accounts and gaining partnerships help to build profits and move your company forward. Potential and existing accounts and partners must make sure you are reliable and financially stable since their profits and future growth may hinge on your ability to deliver products or services.  Having the best business credit can show potential accounts and partners that your business is the right choice.

As a business owner it is important to educate yourself on factors that can have a positive and negative effect on your business scores.
Be aware – when applying for a business loan your personal credit score can impact approvals or the rate you are given (see FICO SBSS Score). It’s important that you obtain up-to-date business and personal scores; stay on top of monitoring both profiles, any needed improvement should be done immediately.

The first step is to view your business credit profiles, scores, and indexes.  Check the report for accuracy.  If you do not have a business credit profile you must register to get one.  Your business must be a legal entity before you apply for a credit profile.   Although you may have vendors and creditors it does not mean they will report your trade lines and history to the credit bureaus.  Data errors and mismatched information can affect your credit score including, but not limited to, your address, number of employees, and business type. Your payment history, debt ratio, and length of credit can weigh on the scores/indexes as well.

In the US, over 90% of all firms are small businesses. If you work with them or you’re one of them, and have specific questions about credit feel free to reach out to us for a free credit review so we can give you insightful feedback and evaluate whether you are a candidate for credit repair, monitoring, or building.
#credit   #businesscredit   #buildingcredit   #smallbusinesslending   #businessloans  
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Tracy Becker

Running Your Business  - 
 

According to the National Small Business Association’s December 2015 economic report, more than one-in-four of small business firms cannot access adequate financing.

With little transparency surrounding business credit there is a lack of information provided to small businesses about their business credit score and the steps they can take to grow, fix, and monitor it.  Business credit is not regulated; it can be accessed at anytime, without the business owner’s consent or knowledge. This should be of great concern to business owners since decisions can be made about their future success without their knowledge.  If a lender, creditor, or vendor views a Dun & Bradstreet, Experian, or Equifax business credit profile, and they don’t like what they see they may chose to deny funding, increase pricing, or partner with a different supplier/business.  You may never know why you were denied or rejected since the lender or decision maker is not obligated to disclose this information to you.

Some well educated business owners know that having a strong business credit score is crucial to gaining access to capital, but they do not understand what they need to do in order to establish and secure their score.

Approximately one-in-five small businesses say that a lack of funding has hindered their ability to finance increased sales. (NSBA 2015)

Eventually, every smart business owner will utilize financing and credit in order to grow their business – this is why building a strong credit profile is so important and will help prove that your business is strong and healthy. Opening new accounts and gaining partnerships help to build profits and move your company forward. Potential and existing accounts and partners must make sure you are reliable and financially stable since their profits and future growth may hinge on your ability to deliver products or services.  Having the best business credit can show potential accounts and partners that your business is the right choice.

As a business owner it is important to educate yourself on factors that can have a positive and negative effect on your business scores.
Be aware – when applying for a business loan your personal credit score can impact approvals or the rate you are given (see FICO SBSS Score). It’s important that you obtain up-to-date business and personal scores; stay on top of monitoring both profiles, any needed improvement should be done immediately.

The first step is to view your business credit profiles, scores, and indexes.  Check the report for accuracy.  If you do not have a business credit profile you must register to get one.  Your business must be a legal entity before you apply for a credit profile.   Although you may have vendors and creditors it does not mean they will report your trade lines and history to the credit bureaus.  Data errors and mismatched information can affect your credit score including, but not limited to, your address, number of employees, and business type. Your payment history, debt ratio, and length of credit can weigh on the scores/indexes as well.

In the US, over 90% of all firms are small businesses. If you work with them or you’re one of them, and have specific questions about credit feel free to reach out to us for a free credit review so we can give you insightful feedback and evaluate whether you are a candidate for credit repair, monitoring, or building.

#businesscredit   #smallbusinesslending   #businessloan   #buildingcredit  
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Tracy Becker

» Mortgage, Finance, Credit  - 
 
In February 2016, credit reporting agency, Experian, conducted a national survey concerning home-buying and credit. Despite a home-buying climate of low mortgage rates, many individuals are still concerned about their credit score and how it will affect their home buying ability over the next 12 months.

According to Experian, 40% of survey respondents who earn $100,000 or more per year voiced a concern about being able to access necessary financing for a home & 29% of those buyers are working to fix their credit score in order to qualify for a better rate.

While an individual’s total income and assets are used to gain loan approval they are not an indicator of a healthy credit profile. In order to get better mortgage rates on a jumbo loan individuals need to have a 720 FICO mortgage score or better. When borrowers drop below a 700 they can face higher pricing or be denied entirely.
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Email me directly lowedown89@gmail.com
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Tracy Becker

Discussion  - 
 

Can business and personal Credit Scores/Indexes make or break your businesses cash flow and success?

Whether you are in business for 20 years or just in the process of starting a business, being educated on how your business credit profiles can help or hinder your success is of great value.

The three major business credit bureaus are Dun & Bradstreet, Experian, and Equifax. Each of these credit bureaus have their own scores and indexes that reflect to the viewer if you are a higher risk partner, borrower, or potential supplier of goods and services. Unlike personal credit there is NO authorization needed for anyone to purchase your credit profile, scores, and reports. This means any competitor, potential account/partner, or lender can make decisions about your company based on what they see on your credit profile. Even more disturbing – they may choose not to reveal why you were rejected and there is no regulation forcing them to explain.

Many businesses do not realize that their credit profile is viewed by potential and existing accounts/partners for very important reasons. If your business is chosen to provide goods or services to a new account you may become a crucial link in the chain for successful delivery of goods and services to their accounts/partners. For example: If company “A” has a large order from Wal-Mart for a line of rugs and is reviewing varied textile suppliers to fulfill the order they must be sure they are not using a high risk partner. Since the textile firm will be a crucial link in the chain for successful delivery of this large purchase it is beneficial for the rug company to qualify which textile firm is stable and reliable. One way to gather this information is to view the business credit profile of the potential textile suppliers; this is also a way to pinpoint possible new risks of an existing supplier before a problem arises. Unbeknownst to the supplier they may be passed over or replaced if their business credit shows signs of higher risk. This is normal procedure for big retailers. It is standard for a retailer to reject or discontinue working with a potential or existing supplier if their Supplier Evaluation Rating (SER) fluctuates to a higher risk threshold. Dun & Bradstreet calculates each SER credit rating using business history, payment habits, and industry norms. The SER predicts the likelihood that a business will deliver goods as promised over the next 12 months; scores range from 1 to 9, 1 indicates the lowest risk and 9 indicating the highest.

If you find that your business/personal credit is having an impact on your SER score and effecting business opportunities, all is not lost; it is possible to fix your business credit profile. Paying bills on time or early is only one way to insure new delinquent information is not updated to credit. There are other ways to help build and improve credit such as submitting financial statements to Dun & Bradstreet and making sure up to date trade lines are reported. The tricky part about this is not every financial statement will improve credit and not all creditors update to Dun & Bradstreet. Many businesses opt for hiring us to monitor and improve their credit since the right credit experts have the experience and knowledge to choose what information will improve credit scores while understanding what needs to be discarded since it will hurt credit. At NSA we monitor, build, and improve credit scores to reflect the most attractive partner/borrower. Many companies hire us annually to insure scores are at their best and maintained every day of the year.

When applying for an SBA (Small Business Administration) loan many businesses do not realize that both business credit and the principal(s) personal credit scores play a part in whether they will be approved.

Prior to applying for a loan you should check both your personal and business credit profile to ensure all the information is correct and up-to-date. The SBA uses the FICO SBSS score to evaluate risk and approvals. This score is a combination of personal and business credit scores and indexes. If your business and personal credit are poor the likelihood you will be approved for this loan is low. Why is that a problem if you can get loan approval elsewhere? Any growing or existing business wants to get the best pricing possible for financing and outlay the lowest amount of cash for closing. Having the credit qualification to gain low interest rate loans can save a firm hundreds and thousands of dollars that could have been used for other expenses or opportunities to gain greater success. It is common that SBA loans roll the majority of closing costs for financing into the total cost of the project and then are included in the payment terms over time. A business does not have to come up with a large lump sum of cash to get necessary financing. This will not interrupt cash flow for needed expenses as most other loans do since a large down payment is necessary to gain financing.
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If you would like more info on how to build your business credit feel free to give us a call and we will explain our business building program and give you more feedback.  Thanks 914-524-8300
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Tracy Becker

Small Business Topics  - 
 

Can business and personal Credit Scores/Indexes make or break your businesses cash flow and success?

Whether you are in business for 20 years or just in the process of starting a business, being educated on how your business credit profiles can help or hinder your success is of great value.

The three major business credit bureaus are Dun & Bradstreet, Experian, and Equifax. Each of these credit bureaus have their own scores and indexes that reflect to the viewer if you are a higher risk partner, borrower, or potential supplier of goods and services. Unlike personal credit there is NO authorization needed for anyone to purchase your credit profile, scores, and reports. This means any competitor, potential account/partner, or lender can make decisions about your company based on what they see on your credit profile. Even more disturbing – they may choose not to reveal why you were rejected and there is no regulation forcing them to explain.

Many businesses do not realize that their credit profile is viewed by potential and existing accounts/partners for very important reasons. If your business is chosen to provide goods or services to a new account you may become a crucial link in the chain for successful delivery of goods and services to their accounts/partners. For example: If company “A” has a large order from Wal-Mart for a line of rugs and is reviewing varied textile suppliers to fulfill the order they must be sure they are not using a high risk partner. Since the textile firm will be a crucial link in the chain for successful delivery of this large purchase it is beneficial for the rug company to qualify which textile firm is stable and reliable. One way to gather this information is to view the business credit profile of the potential textile suppliers; this is also a way to pinpoint possible new risks of an existing supplier before a problem arises. Unbeknownst to the supplier they may be passed over or replaced if their business credit shows signs of higher risk. This is normal procedure for big retailers. It is standard for a retailer to reject or discontinue working with a potential or existing supplier if their Supplier Evaluation Rating (SER) fluctuates to a higher risk threshold. Dun & Bradstreet calculates each SER credit rating using business history, payment habits, and industry norms. The SER predicts the likelihood that a business will deliver goods as promised over the next 12 months; scores range from 1 to 9, 1 indicates the lowest risk and 9 indicating the highest.

If you find that your business/personal credit is having an impact on your SER score and effecting business opportunities, all is not lost; it is possible to fix your business credit profile. Paying bills on time or early is only one way to insure new delinquent information is not updated to credit. There are other ways to help build and improve credit such as submitting financial statements to Dun & Bradstreet and making sure up to date trade lines are reported. The tricky part about this is not every financial statement will improve credit and not all creditors update to Dun & Bradstreet. Many businesses opt for hiring us to monitor and improve their credit since the right credit experts have the experience and knowledge to choose what information will improve credit scores while understanding what needs to be discarded since it will hurt credit. At NSA we monitor, build, and improve credit scores to reflect the most attractive partner/borrower. Many companies hire us annually to insure scores are at their best and maintained every day of the year.

When applying for an SBA (Small Business Administration) loan many businesses do not realize that both business credit and the principal(s) personal credit scores play a part in whether they will be approved.

Prior to applying for a loan you should check both your personal and business credit profile to ensure all the information is correct and up-to-date. The SBA uses the FICO SBSS score to evaluate risk and approvals. This score is a combination of personal and business credit scores and indexes. If your business and personal credit are poor the likelihood you will be approved for this loan is low. Why is that a problem if you can get loan approval elsewhere? Any growing or existing business wants to get the best pricing possible for financing and outlay the lowest amount of cash for closing. Having the credit qualification to gain low interest rate loans can save a firm hundreds and thousands of dollars that could have been used for other expenses or opportunities to gain greater success. It is common that SBA loans roll the majority of closing costs for financing into the total cost of the project and then are included in the payment terms over time. A business does not have to come up with a large lump sum of cash to get necessary financing. This will not interrupt cash flow for needed expenses as most other loans do since a large down payment is necessary to gain financing.
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Tracy Becker

Shared publicly  - 
 
Can business and personal Credit Scores/Indexes make or break your businesses cash flow and success?

#creditscore #creditrepair   #smallbusinessowner   #businessloans   #lending  
 
Whether you are in business for 20 years or just in the process of starting a business, being educated on how your business credit profiles can help or hinder your success is of great value.

The three major business credit bureaus are Dun & Bradstreet, Experian, and Equifax. Each of these credit bureaus have their own scores and indexes that reflect to the viewer if you are a higher risk partner, borrower, or potential supplier of goods and services. Unlike personal credit there is NO authorization needed for anyone to purchase your credit profile, scores, and reports. This means any competitor, potential account/partner, or lender can make decisions about your company based on what they see on your credit profile. Even more disturbing – they may choose not to reveal why you were rejected and there is no regulation forcing them to explain.

Many businesses do not realize that their credit profile is viewed by potential and existing accounts/partners for very important reasons. If your business is chosen to provide goods or services to a new account you may become a crucial link in the chain for successful delivery of goods and services to their accounts/partners.

Read More:
https://www.linkedin.com/pulse/can-business-personal-credit-scoresindexes-make-break-tracy?published=t
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Tracy Becker

Shared publicly  - 
 
There are usually a lot of errors on business credit and a lack of current good information for business owners.
 
According to the National Small Business Association’s December 2015 economic report, more than one-in-four of small business firms cannot access adequate financing.

With little transparency surrounding business credit there is a lack of information provided to small businesses about their business credit score and the steps they can take to grow, fix, and monitor it. Business credit is not regulated; it can be accessed at anytime, without the business owner’s consent or knowledge. This should be of great concern to business owners since decisions can be made about their future success without their knowledge. If a lender, creditor, or vendor views a Dun & Bradstreet, Experian, or Equifax business credit profile, and they don’t like what they see they may chose to deny funding, increase pricing, or partner with a different supplier/business. You may never know why you were denied or rejected since the lender or decision maker is not obligated to disclose this information to you.

Some well educated business owners know that having a strong business credit score is crucial to gaining access to capital, but they do not understand what they need to do in order to establish and secure their score.

Click Here To Read More: https://www.linkedin.com/pulse/understanding-business-credit-tracy-becker-fico-pro?trk=prof-post
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Tracy Becker, Fico Pro
Introduction
For almost 25 years, I have owned and operated a Credit Education and Restoration Company. With an intense desire to help individuals/businesses reach their credit goals I have developed and cultivated an impeccable reputation and level of success. My company is known in the banking, real estate, accounting, & financial industry for our boutique style credit repair services which are second to none. Our credit improvement process has manifested results in as little as 20-40 days with increases as much as 40-150 points. With close to 25 years of credit expertise and experience in business, rest assured that with our programs clients will be getting the services of an expert staff committed to working towards their credit goals. We will use our vast experience to tailor a strategy which will offer the best possibility of producing results. North Shore Advisory, Inc. does not outsource personal information to third parties or offer any type of financing as many companies do. And because we stand by our record of excellence, we don't bill for personal credit repair for simply trying. We only bill for items we improve or remove. That's our guarantee.

I enjoy Public Speaking across the country where I educate bankers, CPA's, realtor's, financial planners, and all kinds of professionals, helping them find solutions to credit problems. I am a Certified Fico Professional and trained as a Credit Expert Witness with expertise in personal and business credit. I have published two books most recently, "Credit Score Power". I am also consistently interviewed for both national Television & major news publications where I regularly write/contribute. I am “The Credit Coach” for “Eye on Real Estate” a popular WOR710 AM radio show as well as the credit coach for Douglas Elliman.

Contact me: tracy@northshoreadvisory.com
And listen to me twice per month on the "Eye on Real Estate" radio show with host Dottie Herman CEO and President of Douglas Elliman: http://lnkd.in/wFT_Jh
Work
Occupation
Owner and founder of North Shore Advisory Services, Inc. Study, analyze, decipher personal & business credit and scoring systems. Share knowledge with professionals about scoring systems and credit to provide them with cutting edge information for their clients. Have and continue to increase/improve credit scores dramatically (40-280 points) for consumers & companies to help them save in interest on loans, lines, leases, etc. Lead clients to present themselves in the most attractive light to lenders and creditors for varied types of financial products.
Skills
Credit, Leadership, Public Speaking, Mortgage Lending, Negotiation, Social media, Loans, Customer Service, Management, Sales, Credit Analysis, Strategy, Fiance, Credit Scoring, Problem Solving, Team Leadership, Sales, and more
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Elmsford ny
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A +Real Estate Profesional Connecting people with Business opportunities. I Love Connecting and Communicating Listis Data with like minded individual in Today's Real Estate Market.

Mortgage rates are highest in a year
money.cnn.com

Mortgage interest rates have risen tk% from record low.

Credit Score Dating Has Potential Partners Watching Their Assets - Daily...
www.dailyfinance.com

You know your credit score gets checked when you apply for a credit card, a job, an apartment or a loan. But these days, even potential date

CreditCards.com
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Facts . Advice . Choice - The authority on Credit Cards

Save money: stop making these home insurance mistakes
homes.yahoo.com

Think you're paying a ridiculously high price for home insurance? If you haven't reviewed your policy in a few years, or unknowingly have er

How wise is it to get a second small business credit card?
www.creditcards.com

If you're thinking of transferring the balance on your small business card to one with a lower interest rate, there may be better options th

Credit expert talks about credit scores and scorecards
www.fredchamberlin.com

Tracy Becker is a credit expert with North Shore Advisory, Inc., credit education and restoration company. Credit score is a major part of g