Podcasts about personal credit

Takeaways:Access to 0% interest credit can boost business growth.Building a strong personal credit profile is essential.Credit stacking allows for maximizing funding potential.Risks include overextending financially with credit.Preparation is key to seizing business opportunities.   We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Want to fund or scale your business with 0% interest capital—without wrecking your personal credit?In this episode, Jeremy Ryan Slate interviews Jack McCall (“King of Debt”) on how entrepreneurs can use 0% introductory business credit cards (often 6–18 months) to access $50,000 to $200,000+ in capital, how business credit differs from personal credit, and the steps to optimize your profile so banks approve higher limits.We cover:• How 0% business credit works (and what it's for)• How to stack approvals across top banks• Why personal credit still matters (and how to improve it strategically)• How to avoid the biggest mistakes that get people denied• How to manage 0% periods so you're not stuck with 20–25% interest later

If you're a brick-and-mortar business owner who avoids credit cards, feels unsure about financing, or worries about taking on debt — this episode is going to challenge (and empower) you in the best way.Today on the podcast, I'm joined by Gerri Detweiler, a nationally recognized credit and financing expert with nearly 30 years of experience helping business owners understand their options, protect their credit, and fund their growth wisely.In our conversation, we break down:The biggest myth about business credit that holds owners backThe true difference between personal credit vs. business creditWhen a business owner should stop relying only on personal creditWhere brick-and-mortar businesses most often make costly credit mistakes with leases, equipment, and hiringHow to determine if financing is a smart growth move — or a risky oneSurprising financing options many small business owners overlookAnd the systems every brick-and-mortar business should have in place before they ever need fundingWe also dive into the role of charge cards (business credit cards) in building strong business credit — even for owners who are afraid of debt — and how to use platforms like Nav to understand your credit profile and funding options before you ever apply.By the end of this episode, you'll walk away with: ✔ A clearer understanding of how business credit actually works ✔ More confidence around financing decisions ✔ And practical next steps to protect and strengthen your business financiallyIf you're building a local business and want long-term stability, this conversation is essential listening.A little about our guest: Gerri Detweiler is a nationally recognized credit and financing expert with nearly 30 years of experience. As a consultant for Nav, she develops programs and content to help small business owners build credit, track cash flow, and understand financing options. She has written six books and her work has appeared in Yahoo!, MSN Money, ABCNews.com, CBSNews.com, NBCNews.com, The Today Show, and more. Gerri has been interviewed for over 4,500 news stories, featured in The New York Times, USA Today, and Reader's Digest, and appeared on Fox Business, CNN, and other national programs. She is also a frequent speaker at business conferences, works closely with SCORE and Small Business Development Centers, and has testified before Congress as an advocate for credit protections.SOCIAL MEDIA LINKS:Website: www.gerridetweiler.com LinkedIn:https://www.linkedin.com/in/gerridetweiler Instagram:@navsmb Enjoy this episode and make sure you check out the referral page of my website to grab the all year long deals that they offer!Love today's podcast?

In this powerful episode, Marvin sits down with credit expert and Road to 750 founder Shonda Martin to break down the truth about credit, borrowing power, and financial literacy. Shonda shares her journey from being denied for her first car to becoming one of the most trusted voices in credit education, helping hundreds of thousands transform their financial lives. Together, they unpack the biggest misconceptions around credit scores, how to properly build a strong profile, and the traps—like cosigning and bad advice—that destroy credit. Whether you're starting from scratch or repairing past mistakes, this conversation gives you the blueprint to take control of your credit, unlock better opportunities, and build generational financial confidence.

Stop Using Personal Credit to Fund Your Business

Dub Washington's story is a testament to the power of mentorship and taking bold steps. He invested $2,500 into a mentorship program while earning just $573 a week, a decision that was both scary and transformative. Within two months of this investment, Dub left his job and fully committed to entrepreneurship, driven by the desire to provide a better life for his family.We delved into the intricacies of personal and business credit, with Dub providing valuable insights on how to build and leverage credit effectively. He emphasized the importance of maintaining a strong personal credit profile, even when focusing on business credit. Doug also shared strategies for obtaining business funding, including the concept of a "structure card" to build future banking relationships.

Want to work with me and learn the power of Mid-Term Rentals Insurance? https://experimentrealestate.com/submitGet the FREE Mid-Term Rental Insurance Blueprint: https://experimentrealestate.com/#blueprint Welcome to the lab. Today, we're joined by Brandon Elliott, the founder of Credit Counsel Elite, where he teaches business owners and real estate investors how to access up to $500,000 in business credit at 0% interest every six months. Brandon's journey is one of resilience—after facing major setbacks early in life, he turned those challenges into fuel, building a $3.5 million net worth through strategic credit and real estate investing. Featured in Yahoo Finance's Top 100, Brandon is proof that leveraging the right financial tools can transform lives.In this episode, Brandon breaks down how to fix, build, and leverage credit to unlock massive funding and scale investments. He explains the power of business credit—why it's different from personal credit, how banks evaluate borrowers, and how to use it to acquire real estate, fund business growth, and maximize cash flow. Brandon shares insider tips on removing hard inquiries, boosting credit scores within 30 days, and structuring applications for the highest approval odds. He also reveals the most common credit mistakes that cost investors thousands and how to avoid them.If you want to eliminate bad debt, optimize your credit profile, and unlock six figures in capital for real estate or business ventures, this episode is for you. Tune in now to learn how to think like a bank, become your own lender, and build long-term wealth through strategic credit leverage.HIGHLIGHTS OF THE EPISODE:22:44 Brandon talks about business credit vs personal credit37:05 Brandon talks about making sure you have good debt.KEEPING IT REAL:06:18 - Fixing your credit first is critical (even for 800+ credit scores)09:09 - How to get $500K in business credit16:19 - Banks view high credit inquiries as a red flag22:29 - Good debt vs. bad debt27:02 - Business credit vs. personal credit32:48 - Leveraging credit for real estate investments and scaling40:13 - The hidden costs of bad credit46:23 - Become your own bank using credit and life insurance54:00 - The importance of mentorship and surrounding yourself with experts58:54 - We are OUT!!!CONNECT WITH THE GUESTWebsite: https://creditcounselelite.com/Linkedin: https://www.linkedin.com/in/brandon-elliott-6b1643148/Instagram: https://www.instagram.com/brandonelliottinvestments/?hl=enYoutube: https://www.youtube.com/channel/UCShy24LfKaYROZNXekFt2CA/playlists#BusinessCredit #RealEstateInvesting #CreditHacks #WealthBuilding #entrepreneurmindset

The question everyone has about business credit, can it be used while having bad personal credit? Find out in this episode!Website: www.StirgusCreditRepair.comEmail: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/booksFollow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/Join our Facebook Group Community: https://www.facebook.com/groups/113357348489166/Instagram: https://www.instagram.com/stirgus_credit_repair/Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rgSpotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMoApple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWwMusic by Ryan Little - Ascension - https://thmatc.co/?l=100D9FF4

Leo Cannell, the host of Seven Figure Funding, shares valuable insights on funding options for small business owners, entrepreneurs, and real estate investors. He emphasizes the importance of personal credit, business credit, and the value of having a strong foundation of values and principles. Leo's mission is to empower and educate individuals to make informed financial decisions and achieve financial freedom. Takeaways Understanding the importance of personal credit and its impact on funding options The value of having a strong foundation of values and principles in business and investing The role of business credit and its impact on funding for small business owners and real estate investors The mission to empower and educate individuals to make informed financial decisions and achieve financial freedom Chapters 00:00: Introduction to Seven Figure Funding and Leo Cannell 02:01: Empowering Small Business Owners and Entrepreneurs with Funding Insights 07:32: The Role of Values and Principles in Business and Investing 11:19: Navigating Business Credit and Funding for Real Estate Investors 13:36: Empowering Financial Education for Financial Freedom

You will not believe how simple it is to increase your score by 60-120 points in the next 6 weeks! This episode is a must-listen if you have taken a hit to your personal credit while business building and could use the extra points to qualify for larger opportunities! Tune in now to discover how this DEBIT card can help you achieve the credit score boost you've been searching for! 0% Interest, No Annual Fees, No Large Deposit, Reports On Time Payment History only... and it's real!. https://member.chime.com/enroll/?ad=ch_raf&ch_rafid=davonnaporter

In this empowering episode of "LIFE OF A BOSS The Podcast," Jason Hardin delves into the basics of repairing and building your personal credit.To delve deeper into Jason's philosophy or connect with the LIFE OF A BOSS community, visit the links below:Learn more about Jason or the show: www.lifeofaboss.netBecome a premium subscriber: https://www.buzzsprout.com/1796106/subscribeAccess all episodes: www.lifeofaboss.net/thepodcastJoin the official Facebook group: https://www.facebook.com/groups/lifeofabossFollow Jason Hardin on Facebook: https://www.facebook.com/hardwayhardinConnect on Instagram: https://instagram.com/hardwayhardinVisit the shop: https://www.hardwayenterprise.com/bossshopJoin the conversation and share your journey of breaking barriers and achieving your definition of success with the LIFE OF A BOSS community. Don't forget to use the hashtag #LifeOfABoss to support the show and spread the word. Support the show

What is the best way to utilize personal credit lines inside your business?  It can be smart to use personal credit, but there are some downsides you need to be aware of.  In today's episode I share insights on the best way to leverage personal credit, the best way to do so, and why building business credit might be better for your business in the long run.  If cash flow is tight and you're looking for ways to get more money in your business, this episode is for you. Tiffany   Next Steps:

There are so many issues with using personal credit cards for your business. It's time for you to finally separate your business and personal credit and we'll show you how in this free training! #businessloans #fundability #businesscredit

In this BetterWealth podcast, I speak with The Approved Guy about all things business funding, particularly SBA Loans, current interest rates, and much more! If you're a business owner looking to expand or an entrepreneur who wants to start a business this episode is for you! ✉️ Email BetterWealth: https://bttr.ly/infoWEBSITE: https://betterwealth.comGet FREE Overfunded Whole Life Insurance Education and Resources - https://bttr.ly/vault Ready to set up your own And Asset Policy? Schedule a free clarity call - https://bttr.ly/aaclarity Who is The Approved Guy: The Approved Guy, AKA, Sebastien Boyer teaches, coaches, and assists clients on implementing financial strategies for successful wealth building and preservation. Living On Purpose, Velocity Banking, Infinite Banking, Personal Credit, Business Credit, Business Funding, Business Branding & Marketing, Estate Planning, Asset Protection, and Succession Planning. His overall goal for clients is cashflow efficiency to create and preserve generational wealth to leave a legacy. Learn More - https://www.theapprovedguy.com/ ====================Click Here to Subscribe to YouTube: https://bttr.ly/ytDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.Affiliate Disclosure: Some of the links on this channel and in video descriptions are affiliate links. At no additional cost to you, we receive a commission if a purchase is made after clicking the link.

Building Commercial Credit w/ Chris Owen of J. Galt AZ TRT S04 EP45 (208) 11-12-2023   Things We Learned This Week J. Galt Helps Small Businesses Optimize Cashflow & Manage Growth Helping Business Owners Access Loans & Credit

Q: What is the impact of DSCR loans on personal credit reports? Can you shed light on whether they show up or not? Thanks, Junior If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )

Building personal credit is an essential step towards achieving financial stability and securing future opportunities. A strong credit history not only allows individuals to qualify for loans and credit cards but also enables them to access better interest rates and favorable terms. This episode will guide you through the process of building personal credit, providing you with practical steps and tips to improve and maintain a good credit score.Tune in Tuesday starting at 8PM ET for The Credit Lab Podcast with your Credit Hero Rony Francois (mrrony_credithero) as he educates you on Credit and Finance awareness. Here's your homework: Subscribe to the He Said What Podcast Network YouTube Channel (https://www.youtube.com/c/hesaidwhatnetwork) We're always looking for amazing guests like you! Register @ https://tidycal.com/hesaidwhatnetwork/the-credit-lab-podcast

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⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠ Today we're continuing a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about small business that have used personal funds to get started. About 75% of our clients have their own business or side hustle. In this episode, we're diving into budgeting and small business finances and sharing strategies & tips for your business. As financial coaches, we understand the challenges faced by entrepreneurs who are funding their businesses with personal money or relying on debt. Join us as we provide valuable insights on how to take control of your business budget, make strategic spending decisions, and ultimately achieve financial success. Key Points Covered: Tracking and measuring expenses: Start with a business budget to manage effectively. Halting unnecessary spending: Utilize existing resources and inventory to generate income. Breaking the cycle of business debt: Paying yourself back and setting up a debt tracker. Establishing a systematic paycheck from your business to your personal budget. Creating profitability: Prioritizing income generation, debt repayment, and personal income. Treating your business seriously: Track, budget, and avoid unnecessary debt. How financial coaching for small business owners can help. Managing your business finances effectively is crucial for sustainable growth. By implementing these strategies and adopting a proactive approach to tracking, budgeting, and debt repayment, you can achieve financial stability and pave the way for future success. Remember, financial coaching is available to support you on this journey. Feel free to reach out to us for personalized assistance in getting your business finances in order. Email us any questions: info@myidealbalance.com Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you're interested, click this link to set up a FREE 30 minute free session with us. We'll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management! ⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠ Visit Our Website  "I love Shana & Vanessa and this podcast is amazing!"

You probably have a personal credit card, maybe a loan in YOUR name and can find your FICO score pretty easily.  But did you know you can get loans in your LLC's name that DON'T show up on your credit report?Today's guest, Dalle Garcia of Gold Crown Credit takes us into the world of business credit and financing as well as some of the mistakes and roadblocks she's seen entrepreneurs run into.Tip/Trivia – While banks are required by LAW to report personal credit lines to the Big 3 credit bureaus they are NOT required to do so for business credit lines!RESOURCES MENTIONED:Business Financing Options and Info RegusDun & BradstreetEquifax BusinessExperion CommercialPaydex ScoreCONNECT WITH DALLE:Gold Crown Credit844 – 244 – 8144 ext 1SHOW SPONSORSAgronosotrosFreedom FamilyLightbulb PodcastingSTAY CONNECTED!InstagramTwitterYouTubeWebsiteAs always, be sure to follow, subscribe, rate, and share this podcast with other like-minded individuals in pursuit of WEALTH and FREEDOM!Support the show

A Middle Tennessee Business Podcast...Michael Clark is a business credit expert, avid history buff and bagpiper.What Michael does most is to point out that not many business owners know how or are even aware that theay need to build business credit. From Michael: I help small to medium size businesses build a robust business credit file. This provides the company with 10X the amount of usable capital with the absolute best rates and terms. This business credit is built solely on the EIN of the company, which removes all personal guarantees and liability from the company principals.Follow Michael:https://www.linkedin.com/in/michael-clark-721baa77/Episode highlights:23:19 - What is a credit score and how does it work?27:03 - What is business credit?34:57 - Most people don't start their own business because they're good at admin, there's a different way.38:51 -Business credit is not a quick fix.*****SUBSCRIBE/RATE/FOLLOW What's Your Problem? PODCAST:www.whatsyourproblempodcast.comwww.instagram.com/whatsyourproblempodwww.instagram.com/jimmccarthyvosTiktok: @jimmccarthyvos __________________________________________________________Random 5 sponsored by IT'S YOUR SHOW.CO!www.itsyourshow.coYou know you have a lot to share with the world, but how? What's your source? The Dad Joke Challenge is sponsored by Ed Fox and Tradebank of Nashville, for when you have unsold inventory or services and think that barter is smarter, go to www.nashville.tradebank.com. The Dad joke challenge with Ed Fox - Author of 101 groan-tastic dad jokes available on Amazon Kindle, or you could go TikTok channel @specialedfoxdadjokes____________________________________________________________****You hear Jim mention it on almost every episode, ME vs. WE and how 2023 will be 1943 all over again….order “PENDULUM:How Past Generations Shape Our Present and Predict Our Future”:https://a.co/d/7oKK7Ip__________________________________________________________________________The co-author of Pendulum wrote a myriad of other books and started a non-profit 21st Century Non-Traditional Business School that you should really check out: Wizard Academy - www.wizardacademy.org__________________________________________________________________________Talking about the real problems (and possible solutions) of everyday business owners and professionals in and around Middle Tennessee and beyond...this is the What's Your Problem Podcast!WYP Intro VO: @johndavidwells#podcasts #podcast #podcasting #tennessee #nashville #podcastproduction #sales #selling #business #marketing #radio #production #voiceover #vo #fitness #bni #networking #nft #nonfungibletokens #crypto #cryptocurrency #applepodcasts #businesscoach #businessideas #businesslife #businesspassion #businesstips #countrymusic #entrepreneurlife #entrepreneurship #marketing #mindset #nashvegas #nashville #nashvillelife #nashvillemusic #nashvillescene #nashvilletennessee #nashvilletn #newpodcast #podcastaddict #podcasters #podcastersofinstagram #podcastlife #podcastlove #podcasts #podcastshow #tennessee #bradlea #therealbradlea #droppingbombspodcast #droppingbombs #lightspeedvt #virtualtraining #grantcardone #garyvaynerchuk #drummer #drummerworld #drumporn #drums #drumsdaily #fashion #guitarist #instadrums #jasonaldean #love #lukebryan #midland #mirandalambert #morganwallen #musicfestival #nashville #nashvillelife #nashvillemusic #nashvillescene #nashvilletennessee #nashvilletn #nature #opry #percussion #realcountrymusic #rock #singer #tennessee #timmcgraw #womenofcountry

Terri Couser Top Business Credit Expert drops the GEMS in this FIRE episode of Unshakeable Conversations with Kennith Allen Thomas, Everything you need to build and start your path to generational wealth.. --- Send in a voice message: https://podcasters.spotify.com/pod/show/unshakeablemethodpod/message Support this podcast: https://podcasters.spotify.com/pod/show/unshakeablemethodpod/support

This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics covered include: Is it possible to get a business loan with a bad personal credit score, Can you use self-visualization to reach your goals, How to deal with a bad manager and more. Refer to chapter marks for a complete list of topics covered and to jump to a specific section. Download my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree ProgramConnect with me: YouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun

Welcome back to Making Bank. On today's episode, we have Jack Mccoll who is the founder of Credit Stacking, scaled from zero business credit to over $500,000 in improved credit in just over one year, which he has used to fund a variety of new businesses and investments. He now teaches his unique framework to over a thousand plus entrepreneurs, helping them get access to hundreds of thousands of dollars at 0% interest to start a new business, scale a business or finance, any type of investment. Make sure to listen to this week's episode of Making Bank with Jack Mccoll.   (3:25) Background Jack mentions that he is the founder of credit stacking.com. When he first started he used his hard earned money to finance his business and then later moved to an equity partner. He then later moved to a business loan but was still paying interest. Then he learned about 0% interest business credit cards, which is 0% for nine to 18 months and you can get access to hundreds of thousands of dollars on these business credit cards.   (5:24) Business Credit Cards  When you're applying for a business credit card, they're looking at the type of business you have? Is it consulting? Is it a trucking business? E-commerce business? They look at the age of the business. Anything over two years you're eligible. The last two things they will look at is the relationship you have with that bank and your business credit score.   (12:28) 0% Interest There's specific business cards that are 0% interest for the introductory period. For some of them it's six months or there's nine months. Most of them are at 12 months 0%, and there's some that go up to 18 months of 0% interest. After that introductory period, it goes up to the normal credit card interest rate, which is between 16 and 25% depending on your credit profile.   (13:52) Building Relationships It's important to build a relationship at Chase and Bank of America. They're the most relationship based banks and they give out very high limits. The relationship should not only be on the personal credit cards, but also in order to open business checking accounts with these banks. These banks will ask about your business because they will give a code called the North American Industry Classification System (NAICS) code on your bank account, which classifies the risk of your industry.    (16:09) Credit Stacking Different banks will allow you a different number of 0% interest credit cards at a time depending on the relationship you have with them. And then depending on the state that your business is registered in, that is gonna tell you the options you have in that specific state.    (19:12) Credit For Beginners Have someone with a clean payment history act as an authorized user for your cards. Make sure your utilization is low. Don't apply for too many credit accounts too quickly. When you apply for personal credit cards, you wanna be very strategic because it's going to affect your age when you get more credit accounts approved.   (21:59) Top 3 Tips Do your banking for your business at Chase. Their cards can range between $50,000 to a hundred thousand. If you travel, then get cards that give you the best rewards. For example, the Amex Gold or the Amex business Gold gives you four x points per dollar spent on advertising on gas. Lastly, check your personal credit score at www.myscoreiq.com because when you apply for a business credit card, the bank will look at your personal credit score. You want to make sure it's good.    Links: www.creditstacking.com @kingofdebt  

Welcome back to Making Bank. On today's episode, we have Jack Mccoll who is the founder of Credit Stacking, scaled from zero business credit to over $500,000 in improved credit in just over one year, which he has used to fund a variety of new businesses and investments. He now teaches his unique framework to over a thousand plus entrepreneurs, helping them get access to hundreds of thousands of dollars at 0% interest to start a new business, scale a business or finance, any type of investment. Make sure to listen to this week's episode of Making Bank with Jack Mccoll.   (2:36) Background Jack mentions that he is the founder of credit stacking.com. When he first started he used his hard earned money to finance his business and then later moved to an equity partner. He then later moved to a business loan but was still paying interest. Then he learned about 0% interest business credit cards, which is 0% for nine to 18 months and you can get access to hundreds of thousands of dollars on these business credit cards.   (4:35) Business Credit Cards  When you're applying for a business credit card, they're looking at the type of business you have? Is it consulting? Is it a trucking business? E-commerce business? They look at the age of the business. Anything over two years you're eligible. The last two things they will look at is the relationship you have with that bank and your business credit score.   (11:39) 0% Interest There's specific business cards that are 0% interest for the introductory period. For some of them it's six months or there's nine months. Most of them are at 12 months 0%, and there's some that go up to 18 months of 0% interest. After that introductory period, it goes up to the normal credit card interest rate, which is between 16 and 25% depending on your credit profile.   (13:03) Building Relationships It's important to build a relationship at Chase and Bank of America. They're the most relationship based banks and they give out very high limits. The relationship should not only be on the personal credit cards, but also in order to open business checking accounts with these banks. These banks will ask about your business because they will give a code called the North American Industry Classification System (NAICS) code on your bank account, which classifies the risk of your industry.    (15:20) Credit Stacking Different banks will allow you a different number of 0% interest credit cards at a time depending on the relationship you have with them. And then depending on the state that your business is registered in, that is gonna tell you the options you have in that specific state.    (18:23) Credit For Beginners Have someone with a clean payment history act as an authorized user for your cards. Make sure your utilization is low. Don't apply for too many credit accounts too quickly. When you apply for personal credit cards, you wanna be very strategic because it's going to affect your age when you get more credit accounts approved.   (21:10) Top 3 Tips Do your banking for your business at Chase. Their cards can range between $50,000 to a hundred thousand. If you travel, then get cards that give you the best rewards. For example, the Amex Gold or the Amex business Gold gives you four x points per dollar spent on advertising on gas. Lastly, check your personal credit score at www.myscoreiq.com because when you apply for a business credit card, the bank will look at your personal credit score. You want to make sure it's good.    Links: www.creditstacking.com @kingofdebt  

Brett joins the podcast to talk about the NFL Super Wild Card weekend, ranking NFL Quarterbacks and Bretts's new E-Book “The ABC's of Personal Credit.” --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Today we have credit expert Eric Counts back on the show to talk about personal credit and how you can wisely use it to advantage to improve your score. Eric is the President and CEO of Credit Nerds, an author, business trainer and nationally featured speaker. His extensive knowledge of credit and credit repair have gained him audiences with the like of Wells Fargo, Regions Bank and Century 21 branches across the country. In addition, he has served as an expert witness to lawmakers in the matters of credit and debt collection. He applies that information to help individuals qualify for larger loans and better terms so you can build your business and your real estate investment portfolio. In an effort to help you amp up your financial potential, Eric shed light on the latest changes in the personal credit landscape, as well as talks about how you can use your credit to work for you and not against you.

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I'm this Scholars Corner The Credit Dude went over the difference between business credit and personal credit. #businesscredit #credit #creditscore  Link to EYL University: https://www.eyluniversity.com/join1See omnystudio.com/listener for privacy information.

In this episode, we will be discussing How to Obtain Business Credit without Personal Credit with our special guest Jamin Freeman. Jamain “Jay” Freeman is the president and founder of Freeman Multimedia, a creative marketing agency founded in 2004. Known as “the MarketingYOU Coach”, Jay Freeman has become one of the most sought-after minds in helping businesses and entrepreneurs automate their processes and utilize technology for productivity. In 2011, Jay launched the consulting arm of Freeman Multimedia, Brandtastic Consulting, which specializes in helping small business owners, expand their reach and grow their revenue through strategic marketing strategies and the power of social media. In 2016 Bluebird Digital, a digital marketing firm specializing in Facebook Ads, Google Adwords and Search Engine Optimization was also launched. --- Support this podcast: https://anchor.fm/jp-hightek/support

In this Episode, we discuss the importance of building business credit! Learn why I prefer this credit option over personal credit ! *Must Listen!!*

Everybody Eats Show reunites with Aaron Sean Hernandez, the founder of VA Credit Repair, for an in depth class on personal credit. With years of industry experience, Aaron instructs us on credit card use, credit repair and improvement and financial tips. Listen for more tips and share with a friend!!

One of my students got a whooping $10,000 loan with a terrible bad credit! Is it really possible to get a business credit with a bad personal credit? That and more of my secrets about borrowing money for your enterprise will be the hot topic of today's episode!Get my book for FREE here:https://www.noellesfreebook.com/Learn how to start your own Airbnb business here:https://BnBRiches.com/Learn how to start your own Airbnb business here:https://BnBRiches.com/Learn more in our upcoming events:https://NoelleRandallEvents.comGet your free training here:http://www.NoellesFreeTraining.comStart your own successful YouTube channel now:https://www.betheherostudios.com/WEBSITE:http://www.noellerandall.comTEL: 888-479-4542Listen And Enjoy!Noelle RandallSupport the show

Are you struggling how to start your business? If you want to learn how you can have a HEALTHY CREDIT and take your life to the next level, then this episode is perfect for you!With us today is Deadria Garrett - a female entrepreneur born and raised in Milwaukee, WI. Deadria is the owner and CEO of Wealth Transfer Enterprise,  a one stop WEALTH shop that educates and assists aspiring people to become successful just like her!She is a Financial Literacy Advocate that focuses on building personal and business credit so you can become empowered, educated and enlightened on debt! Deadria's mission is to serve the community with God and she always believes that OBEDIENCE is attached to ABUNDANCE. She served over 500 clients in getting them approved for loans already so don't let this episode slip!Grab these GEMS throughout this episode:The importance of putting God firstTransforming BAD Credit to HEALTHY CreditDifference of Personal and Business CreditWhat is Fractional BankingUnderstand Credit RestorationAnd so much more!Do you have any questions? Feel Free to Connect With us!Message Deadria at: deadria@iccrestoration.comHer Instagram: https://www.instagram.com/wealthtransferenterprise/My Instagram: https://www.instagram.com/tolu.owoyemi/My Website: https://go.mastermindyouragency.com/site

When going into real estate, stop using your personal credit and stop guaranteeing debt. Because if you do, you're a slave to the bank. And when things go wrong, you could lose the house. Learn how to get into real estate with real estate expert, Ron LeGrand. Find out how to get banks out of your life and terms into your life. Join Julie Houston as she talks to Ron about how to work in real estate no matter where the market is. Ron is an author and the Godfather of Creative Real Estate. Learn why rent to own is the better option compared to renting. Discover how to do a lease option in Texas. Find out why the BRRRR Method and other shiny new strategies may not be as good as they seem. Start getting into real estate the way it's supposed to be, with a lot of training.

What You Need to Know About the Impact of Personal Finances on Business Lending Are you wondering if personal financing can affect your ability to get business lending? Give me less than an hour of your time, and I'll show you how personal financing can affect your ability to get funding for your business, and what to do about it.

This episode is extremely informative! We provide information on accessing Small Business Financing from the experts at Lendio. We had a business conference with several small business owners via Virtual conferencing, where we discussed and had the privilege of being presented with information and resources about Small Business Financing. I also had the opportunity to participate in the discussions and I share other pertinent information about Investments and the SBA loan and the importance of having a Business Plan. We explored the following: 1. Types of SB Financing and loan options. 2. What Lenders look out for when we talk about financing a business. 3. Why do Lenders like to use Personal Credit (and alternative type of financing for scores below 500). 4. Revenue, Why do lenders like to look at revenue especially those above 50k. 5. What are the Biggest Hurdles when it comes to applying for a loan? 6. Preparing before you apply for a loan. 7. Other types of Financing. 8. Required Documentation. 9. Loan application time. 10. How did the PPP change the way we access Business Loans. 11. How does the online market place affect (digital) privacy and security. 12. Where can we go to access loans? 13. Business Plans. 14. Lendio 15. What's the first thing you do when you wanna start a business? 16. How do you and why do you need to get business a business profile and reputation? 17. Does it matter what type of Company? 18. What are the Lending rates? What's the down-payment required for a business loan? 19. What do lenders like to see when borrowing? 20. Why would someone use a walk-in bank instead of an online-market-place? 21. Who do you call for assistance with accessing SB financing? We discussed these and much more in the packed episode. This episode will be available as an article later Sunday evening at renaldocmckenzie.com and theneoliberal.com. This episode is brought to you by Anchor.fm by Spotify. The Neoliberal Round is produced and owned by The Neoliberal Corporation/Rev. Renaldo C. McKenzie, a grassroots, think tank, news commentary, publishing and resources center that is serving the world today to solve tomorrow's challenges. Visit us at theneoliberal.com. Support this show to keep it going and to provide free service by making a monthly donation in any amount by visiting https://anchor.fm/theneoliberal/support. We'd like to encourage you to visit our brand partners: 1. Real Estate Wealth Builder - https://advancedpropertyanalysis.7eer.net/5bGWXo, 2. Alaska Airlines - https://alaska.gqco.net/NKJW62, 3. Hilton Honors Rewards - https://hilton.ijrn.net/DVmYjG, 4. Southwest Airlines Rewards - https://swa.eyjo.net/2rezd7, 5. IHG Rewards Club - https://ihg.hmxg.net/2rebkM, 6. Qatar Airways Privilege Club - https://qatarpts.pxf.io/KeGaKv, 7. Clubs and Sticks - https://clubsandsticks.7eer.net/LP1Aa3, 8. Belkin US - https://belkin.evyy.net/rnyk4d. You can email us at renaldomckenzie@theneoliberal.com. Or follows us on twitter @theneoliberalco or renaldomckenzie. We're also on Linkedin at Theneoliberalcorporation or on Facebook and twitter at Renaldo.mckenzie and theneoliberalcorporation. And if you haven't gotten a copy of my new book yet, here's a link to the audible copy but it's available in all formats worldwide: https://www.audible.com/pd/B099LFCD79/?source_code=AUDFPWS0223189MWT-BK-ACX0-267926&ref=acx_bty_BK_ACX0_267926_rh_us. Thank you for making The Neoliberal Round one of the top podcasts in News Commentary. Stay tuned to the Breaking story tomorrow! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/theneoliberal/message Support this podcast: https://anchor.fm/theneoliberal/support

The first step to achieving great credit scores is to first understand the foundation of personal credit and how your credit profile is broken down into 5 parts.In this episode we share our credit story on how credit has changed our lives and then we dive deep into the foundation of personal credit so that you know exactly how your credit profile should look.

Credit Interest Rate Rising. Get Business & Personal Credit Started Now. Know what to expect and deal with it.❤️️Opus Virtual Office give you a Business Phone and a Fax Number are Included. Get the $99 Special from Opus Virtual Offices: https://www.opusvirtualoffices.com/ida/idevaffiliate.php?id=688_2_3_6 . Promo Code YG1 to get $100 off setup fee.

In this Study Hall we spoke with Jose Rodriguez aka The Credit Dude. We went over everything you need to know about business and personal credit. Jose outlined how to build credit business credit and how to boast your personal score. He also answered live questions. #credit #businesscredit #creditscore  EYL University: https://www.eyluniversity.com For the latest in EYL Merch: https://www.earnyourleisure.com/collections/all Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Follow Julian: IG: @jaytalkscredit Personal Facebook: Julian Pilate-Hutcherson Business Facebook page: Take Flyt Solutions Text LIST to 707-244-7669 for his business checklist! “BUSINESS Credit is OPTIONAL, PERSONAL Credit is MANDATORY!” - Episode 46 You are blessed, amazing and great and I hope I brought you value in this episode! Feel free to share the episode with a friend, tag me on social media and let me know you're listening and even leave a review! It helps! Thanks in advance! Grab FREE resources! www.catacticsll.com Join my CAT-Friends ⭕️: https://catcredit.samcart.com/products/join-my-cat-friends-circledm2yo/ IG: Instagram.com/catacticsllc Personal IG: @michobenjamin

On this episode of Black850, DeVante talks about the differences between business credit and personal credit. If you're thinking about starting a business and need help building or starting your business credit, please reach and become a client! It is important to know the differences between the two and the benefits that each ones holds! Become a client: https://devantewilliams.wixsite.com/black850llc

Do you know what goes into a credit score? We're going to be going through a five-part series to share with you what you need to know.   What makes a credit score? Let's start off with the five factors that can ultimately affect your score: payment history amounts owed, length of history, credit mix, and credit inquiries for new credit. The first three go hand in hand. Your payment history will appear in your credit report for all of your open and active trade lines. Payment history demonstrates how you were able to manage your debt over a period of time. Paying your bills on time consistently yields a higher credit score, and in turn, allows you to borrow more money. Additionally, the longer your history of consistency exists, the higher your score will be. I mean, this is important, because while you're shopping for a home, do not close any accounts as that cuts your history short. Also, keep your balances low, ideally below 30% of the credit limits and make sure above all else, keep making your payments on time. I mean, if you're looking to purchase a home, now is not the time to miss a payment. Even if it's by accident, a missed payment can drop your score by as much as a hundred points. ----more---- Credit Type Inquiries As we're talking about credit, many people don't realize the types of credit you can have affects your score. I mean, did you know that people with student loans can sometimes have the very best credit scores? Creditors are looking for a good mix of revolving credit, installment debt, lines of credit, and mortgage history, but don't worry if you're a first-time homebuyer having several credit cards, a student loan, and even a car loan is a great mix. Just keep those payments low. So your debt to income ratio is strong. Inquiries also affect your credit report. I mean, think about it this way, a creditor's going to look at your attempts to get additional lines of credit with concern. If you're continually applying for credit cards, cars, or other debt, and don't have new trade lines to show for it, it will count against you. It can also count against you if you've applied for a lot of credit in a short period of time, that's why, although credit inquires fall off over time, they can leave a stain on your credit if too many of them exist. Credit Utilization So we're talking about credit score optimization, and I want to ask, have you heard the term credit utilization? It simply means the ratio between your credit line limit and your current loan balance. Keeping your current balances on your open accounts below 30% of the limits is key for keeping a healthy score, and especially allows you to take advantage of some of these new market opportunities, like first-time homebuyer purchase programs, or buying your first investment property, a tip to get your credit utilization down without having to pay any money out of pocket is to request a credit line increase. If you've had a card for over six months with a good payment history, you may be able to get a credit line increase, which improves your overall credit profile. Opening a new account can also improve your credit utilization. Now, be aware that new accounts are just that, they're new, and any new activity on your credit report, no matter how high the credit limit can be viewed as a negative action and cause your score to temporarily decrease before it goes back up longterm. So don't do this right before applying for a mortgage. Paying Down Debt If you're like most Americans, you probably have credit card debt that's keeping your credit score low. If you're looking to purchase a home, coming up with a pay-down strategy is key to your success. I mean, you can focus on the credit utilization method we talked about in our last video, or you can even keep it simpler by focusing on paying off debt with higher interest rates first. Those higher interest rate cards are building up higher balances every single day with the added interest. Then as you pay off each one of those cards, you can use what's called the debt snowball system, where, as you pay off debts, you apply that same amount plus what you were already paying towards that singular debt, as in the minimum payments, towards the next credit card or loan. You keep doing this, paying off each credit card in full, and then applying that entire amount to the next one until finally you get them all paid off. And while being completely debt-free feels great, it is not our requirement to own a home, nor is it an impediment to homeownership. Often you can begin creating wealth while paying down your debt. Become an Authorized User to Improve Your Score As we wrap up our series on credit scoring, I want to talk about one of the quickest ways to increase your credit score. And that's by becoming an authorized user on a family member's credit card, being an authorized user, you will get all of their histories. So make sure that you know that they have an established on-time payment history with the specific credit account that you're going to co-sign on. Credit cards with a longer open history pack a bigger punch because they show responsibility over time. This is particularly helpful if you're a parent, and you're wanting to help set up your child for success. I added all three of my kids to my accounts when they were 16 years old to help them build their credit. Then when they were 18, they were quickly approved for their own credit card. This way by that they were ready to purchase a home at 20, they had a credit score of over 740. I mean, that's a game-changer. If you've enjoyed this series, I'd love to share more and set up a plan that's just right for you, based on the goals that you have for homeownership. ------------------------------------- You've been listening to the Double Comma Club. Never miss an episode, subscribe at thedoublecommaclub.com, or your favorite podcast venue to hear more success stories, get free tips on how you can get on the path to becoming a millionaire through real estate at any age. If you enjoyed this, you might also enjoy our YouTube channel. Just look for the Rueth Team on YouTube or visit our site, theruethteam.com.  

On this highly anticipated episode of Black850, DeVante takes the listeners step-by-step on how to use their personal credit to buy a car for personal use. It is important to know the proper steps within this process so that way you don't hurt your reports or scores for the long run. Don't miss out on this opportunity to listen to this great episode!

What's going on guys, back at you with another podcast episode! On this episode, I have a very special guest on via Zoom. Our guest for today is Akeem Bey a.k.a Coach Keem!!! It was a absolute pleasure having CoachKeem on the podcast, to discuss a HIGHLY requested topic...CREDIT. CoachKeem is a business/credit consultant and he has a vast knowledge when it comes to business. So on this episode, I wanted to bring him on the podcast to break down credit for the audience. Everything from cleaning your credit, building your credit back up, getting business credit and how to leverage your credit to make money! One of the first steps to financial freedom is educating ourselves about financial literacy and having a better relationship with our money. Have your pen and note pad ready for this episode, CoachKeem dropped a lot of gems! Where can I support and follow?  Personal Instagram https://www.instagram.com/coachkeemconsulting/?hl=en Website https://www.coachkeemconsulting.com/ If you enjoyed this podcast or found any value from it, please feel free to leave a rating and review! I would tremendously appreciate it!  If you wish to reach me with comments, suggests or any other inquiry please contact at following below: Instagram: https://www.instagram.com/beautifulstrugglepodcast/ Email: cbelloso94@gmail.com Song: "Medicine" by Enrico Tolson @enricotolson

In this episode I will be talking about ALL things credit: Personal Credit, Starting a Business and Attaining Business Credit. Why having great credit is a plus, why you need to start a business with your stimulus check and attain business credit to keep it separate from your personal credit. Tune into our weekly episodes, as we talk about different topics such as lifestyle, relationships, business/finance and so much more all while keeping you entertained. You know since it's Convo's with Cocktails with Leticia, I have my drink of choice for this episode, so make sure you tune in to find out what it is. This episode is sponsored by Anchor.fm where you can begin your podcast journey. Also, Financial Integrity Solutions where they help you with your personal credit and credit education as well as attaining business credit. Visit their website: www.FinancialiSolutions.com Please make sure you subscribe to the podcast and rate me!! Follow Us! Facebook: Convo's & Cocktails with Leticia/Instagram: Leticia_Talks Want us to speak at your next event, be featured on the podcast or have a conversation topic? Email: talk.convoscocktails@gmail.com Items Mentioned: Credit Karma: https://www.creditkarma.com/ Mint: https://mint.intuit.com/ Annual Credit Reports (Free Annually): https://www.annualcreditreport.com/index.action Pineapple Scent Candle: https://www.etsy.com/shop/AwakeningsCandles?ref=search_shop_redirect --- Send in a voice message: https://podcasters.spotify.com/pod/show/youheardthat/message Support this podcast: https://podcasters.spotify.com/pod/show/youheardthat/support