Business Credit Involves More Than Only Dun and Bradstreet

You have most definitely heard of Equifax, Experian, TransUnion, and the FICO score before as they are household names.

A few business owners have even heard of Dun and Bradstreet, a DUNS number and a Paydex score. But most have not heard of an Intelliscore from Experian's Business Division or a Small Business Credit Risk Score from Equifax's Business credit reporting division.

Entrepreneur.com reported that less than 10% of business owners have any knowledge whatsoever of business credit.

Have you been personally affected by the changes in economy over the last few years? Many creditors have lowered credit limits while others deny applications that once would be easily approved. This means less money for your business, making it tougher and sometimes seemingly impossible to do business.

Have you tapped out your personal credit on financing your business? Well, stop and listen up. We will find you $50,000 or more in business credit. Business credit is still vastly available because 90% of business owners know nothing about it. Within a few months you will qualify for thousands in real useable credit. Within 6-12 months you could have access to over $50,000 in revolving credit with major retailers. In 1-2 years you can then continue on to qualify for $100,000-$250,000 based on how you utilize your newly acquired credit.

Business Credit and Financing IS available and waiting. And this is credit you can use to build the company of your dreams without the personal liability.

Call us today to get started and be on your way to $50,000 in credit approvals with no personal guarantee and regardless of personal credit history.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.

The 4 Cs of lending

If you are looking for money for your business then you will be happy to know you only need one “C” to qualify with us. With a bank and almost all Loan Brokers, you will need all four.

The first C is Cash Flow.

When you have an existing business with good cash flow you can qualify for business funding. If you do have verifiable cash flow, this substantially increases your chances of being approved for funding. There are many funding programs you might qualify for, one being Business Revenue Lending.

Second is Collateral.

If you don’t have cash flow, your business still might have Collateral. Collateral for your business is really your business assets. Many things can be used as collateral including equipment, purchase orders, credit card sales, even account receivables. Having Collateral greatly increases your chances of being approved.

Third is Business Credit.

If you don’t have cash flow or collateral, you still can qualify for business funding. Lenders also look at your business credit to qualify you. Business Credit is our third C. Lenders will lend you money with no personal guarantee based on your business credit profile and score. If you have a good business credit profile you can use that as security to obtain funding. If you don’t have business credit built now, call us so we can help you quickly build an excellent business credit score and profile.

Fourth is Personal Credit.

Maybe you are just starting a new business, and you have no business credit, cash flow, or collateral. In this case you can still qualify for funding. But lenders will use your personal credit to qualify you. Personal Credit is the fourth C that lenders will look at to approve you for funding. You can secure credit lines through us, up to $250,000. These types of unsecured credit lines do not look at revenue or financials. Your good personal credit is all that is used to qualify you for funding. If you don’t have good credit, we can also help you improve your personal credit profile to secure funding.

All you need is 1 of the 4 “C”s to qualify with us. And we can help you build business credit and improve your personal credit so you will qualify for the most business financing possible.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.

Do you have a DUNS Number?

The Data Universal Numbering System (DUNS)is a business identifier code provided by Dun and Bradstreet. This business identifier code was developed in 1963 to support Dun and Bradstreet’s credit reporting practices.

Today the DUNS number is widely used to identify businesses for issuing new credit. It is also used by the European Commission, United Nations, and the United States government. More than 50 global, industry, and trade associations recognize, recommend, or require

DUNS. The DUNS database now contains over 100 million entries for businesses throughout the world.

The DUNS number is a nine-digit number issued by Dun and Bradstreet assigned to each business in the D&B. The DUNS number is a randomly assigned number used to identify the business.

Unlike the national Employment Identification Number (EIN), a DUNS number may be issued to any business worldwide. Certain U.S. government agencies require that a vendor have a DUNS number as well as a U.S. Employer Identification Number (EIN).

The Office of Management and Budget, a United States federal agency, announced in the June 27, 2003 issue of the Federal Register (68 FR 38402) that a DUNS number would be required for all grant applicants for new or renewal awards submitted on or after October 1, 2003.

Other agencies such as some United Nations offices and the Australian government agencies require certain businesses to have a DUNS number. A DUNS number is also a way in which separate corporate entities, having no official relationship, can be branded as one by sharing one DUNS number among the affiliated companies.

A DUNS number is sometimes formatted with embedded dashes to promote readability. Numerous other business numbering systems exist independent of DUNS — for example, the International Suppliers Network system. However, few, if any, register as many international businesses as DUNS.

Dun and Bradstreet’s unique DUNS number is the most widely used worldwide method of identifying businesses.

IMPORTANT: Just because you have a DUNS number for your business, does NOT mean you have business credit established!

Call us today to start the process of getting your DUNS number, establishing business with all three of the major business credit reporting agencies, and getting approved for $50,000 in business credit this year with no personal guarantee and regardless of your personal credit quality.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.

Vendors Are the Gatekeepers

Entrepreneur.com reports that 90% of business owners don’t have access to business credit. The reason for this is that they don’t know where to go to get VENDOR accounts to build their business credit profiles and scores.

Vendors are the Gate Keepers of business credit. They are the REAL secret of business credit building.

You can go to Home Depot today and apply for business credit. But you would be approved only with a personal guaranty. To get approved with them with NO personal guaranty you must first meet their business credit qualifying requirements. The problem is most people never know what their qualifying criteria is. So they apply and are approved only with a personal guaranty, or are

denied all together. You can’t just walk into a merchant like Wal-Mart, Staples, or Home Depot and get approved for business credit with no guaranty. You first must have a good business credit score and 5 or more trade-lines reporting on your business credit to get approved.

Here is where most people get stuck. They can’t get credit since they have no credit, so they are never able to build their business credit. The real secret to business credit is in finding the Vendors that report your payments to the business credit bureaus. Then you need to build 5 or more trades and establish an excellent score.

Through our business funding suite, we give you access to lots of vendors along with their qualifying criteria, who will approve you and help you quickly build your business credit score and trades you need. Once this is done, you can then start getting approved for real business credit through your funding suite, enjoying the largest supply of business credit sources anywhere.

You will be approved for credit with companies like Dell, Wal-Mart, Costco, Shell, Chevron, Home Depot, Lowes, Staples, Office Max, Shell, Office Depot, Amazon, Sears, BP, Speedway, Sam’s Club, Racetrac, and more. You will have access to $10,000 business credit cards with Key Bank, CSI, Fleet MasterCard, T-Check MasterCard, Volvo MasterCard, Pitney Bowes, and more.

Contact us today to take a tour of the business funding suite and see how easy it is to get approved for MASSIVE amounts of business credit with no personal guaranty.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.