Personal Credit

If you have a low FICO score (below 650), you will experience difficulty getting personal or business credit. An improved personal credit score of 720 or better will increase your chances of getting personal and business credit.

There are many options to help you "Boost Your Credit Score". We can help you access the options below if a low personal credit score is one of your problems.

• Improve your score by "pibbybacking". Fair Isaac Corp., creator of the FICO scoring system announced it would include consideration of "authorized user" trade lines present on the credit reports.
• Report your "Rent payments". Per Experian "Adding positive rent payment history enables you to build a new or stronger credit history simply by paying your rent or lease on time. Experian believes that consumers who have little or no credit history, or who are trying to recover from a difficult financial situation, will benefit greatly."
• Score Watch monitors important changes to your Equifax credit file and FICO® score.

(Free information for Members Resource area)

Business Credit

Business credit is essential for start-up businesses. In most cases, you will need money to start, maintain and grow your business. Money or business payment accounts allow you to maintain good cashflow. It is advantagist for your business to have business lines of credit as well as business "Trade lines".

Improve your business credit by using the following options:

• Have Access Business Trade Lines
• Establish Vendor and Supplier Accounts
• Have access to the SBA Loan up to $25,000 within the first 30 days of becoming a "Fast Track Business Start-Up" program member

(Free information for Training Resource area)

Get Started Now with improving your Personal and and Business Credit: click here

Personal Credit Watch Service with Equifax

Two options for instant online access:

• Pay monthly – $14.95 per month
  (3 month minimum required.)

100% Risk-Free 30-Day FREE Trial

· Monitors your credit report at Equifax on a daily basis and your FICO® score on a weekly basis

· Notifies you when you reach your target score or when you might qualify for a better interest rate

· Alerts you when unexpected changes to your credit report cause your FICO® score to drop

· Provides two Equifax Score Power reports each year

Score Watch Features:  Monitor your FICO® score

See your new FICO® score every time you get an alert of a change on your credit report. Find out when your FICO® score changes enough to impact the interest rate you would likely receive on a home mortgage, auto loan or home equity loan.

Please click the link below to be  taken to the Credit Watch Service

BUSINESS CREDIT REPORTS from Equifax Small Business Reports

Understand your Business Relationships!
Before you sign a contract with a key partner / supplier or ship that big customer order make sure you know who you're doing business with.
A sample report is also available when you click the icon below.