Banks (15),, 1-888-883-3013


When trying to decide whether to use a credit union or a bank when applying for a credit card. There are a few factors to consider.


1.) With a credit union you are a member, or a stakeholder. With a bank you are simply a customer. Banks are for-profit institutions and their goal is to make money for the stockholders of the company. A credit union is not-for-profit entity and their goal is pass through the profits to the members. This comes in the form of added member benefits such as low fees and low rates.


2.) Its a misconstrued opinion that credit unions have limited branch and ATM locations. However, many credit unions belong to larger networks, such as the Credit Union Service Centers.


3.) Most credit unions offer credit cards just like a typical bank. What isn’t so typical are the exceptionally low APR rates they offer.


4.) Credit unions have many available ATMs, but they are also fee free! The average fee for an ATM is $2.33 and is on the rise. Now if you use your bank issued ATM card at a third party ATM, then you just doubled your fees. With a credit union ATM card, you can withdraw your own money fee free as long as it’s at a participating ATM. Even if you withdraw money from a third party, you may have to pay their fee, but most credit unions don’t charge for the transactions themselves. I’m too busy to walk into a branch office every time I want to withdraw some money, and I feel that I shouldn’t have to pay hefty fees when I do.


5.) At a credit union, credit cards, home equity loans, mortgages, auto loans, and personal loans all enjoy lower rates than you will find at a bank. At the same time, savings, checking, money market, and CD’s have higher rates. I don’t typically endorse putting any significant amount of your money into savings and CD’s as inflation tends to outpace them, however, most people feel more comfortable doing so and they might as well earn a higher rate!

Read more… Have you ever wrote a bad check and now you can not get a checking account? Well, you're now alone.  In this video, I'll show you, how to get a new checking account as well as show you how to contact ChexSystems to remove youself from their database.

Read more… 1-800-652-7157 In this video, I explain, why many businesses fail.

Many people imagine having a business already exstablished just like a full grown plant.  However, they don't full understand that they must do the following steps in order to see it grow to its full maturity.  Lets look at how you grow a plant. You pour the dirt, plant the seed, your water it often so it won't die. So basically you have to take time to nourish the business just like a plant.

There are specific reasons a businesses fail.  It starts with money.  Most people will borrow from their retirement plan or 401k, they borrow from their friends, family and relatives, the borrow from their saving and credit card.  

Now they've dumped all this money into a business that sells tangible products.  When they need money to restock they have no one to fund their business.  Another reason many businesses fail is because of the market they are trying to cater to may not be responding to their product.  For instance you can not stick a Louis Vuitton store in the hood, because people making between 25k to 35k don't have the means to buy 1k purses.  

Another reason many businesses fail is because of their product.  Most people sell a product because of the trend and it's making money now. However if you learn to do what you love and make that a product then you'll have less competition.  Especially if you further your education on that product.  Stop doing thing because it's trendy and making money now educatte your self on what it is you love to do and you'll always make money in your market.  

I get calls from a lot of people that want to get into real estate however they know very little about real estate investing.  They have very little knowledge  about buying a property and what is it going to take to get that property back on the mark to get a good rate of return.  Now with wall street buying residentual real estate from the banks for pennies on the dollar it better to focus on buying commercial real estate..  You get about 5 or 6 partners together and buy a strip mall and rent it out to people that are starting new business.  

I hope this video was informative to someone, thank you.

Check out our other great services.
2013 and Past Due Tax Preparation for Personal and Small Business Taxes
Business Credit Building with No Upfront Fee
Personal Credit Sweep
Personal Credit Repair
Bankruptcy Removal
Private Student Loan Removal
Guarantee Funding
Foreclosure Removal
Chex System Removal
Seasoned Trade Lines
Retirement Plan Transfer to your Corporation
Car Repossession Removal
Credit Card Charge off Removal
Free Net30 Account Reporting
Dun and Bradstreet File Review 1-800-652-7157

Read more… Business Credit America merge with Good Credit Union. CPN SAME AS A SECONDARY CREDIT NUMBER can be used as an alternative to help reestablished your personal credit. You combine your business credit with a cpn or personal credit to get higher funding.

Read more… CPN (Credit Profile Number) to Help Rebuild Personal Credit

In this video,  I talk about How to obtain a CPN (Credit Profile Number) to help rebuild your  personal credit

Questions I answer.
1. How to get a CPN (Credit Profile Number)?
2. How to make sure a CPN is good?
3. Is a CPN Legal?
4. What Laws allow you to use a CPN?
5. Who is currently using a CPN?
6. Where can I get a CPN?

Learn more about CPNs and the law.

Bush v. Lancaster Bureau of Police, (E.D. Pa. Aug. 28, 2008) (concluding that "Plaintiff cannot state a claim under [42 U.S.C. § 1983] for a violation of subsection (b) of section 7 of the Privacy Act" because "[u]pon review of the th[e] statutory language, the court cannot conclude that Congress created an 'unambiguously conferred right'" for individuals).

Stoianoff v. Comm'r of the Dep't of Motor Vehicles, 12 F. App'x 33, 35 (2d Cir. 2001)

Claugus v. Roosevelt Island Hous. Mgmt. Corp., (S.D.N.Y. Apr. 29, 1999)

42 U.S.C. § 405(c)(2)(C)(i))

42 U.S.C. § 405(c)(2)(C)(ii)

42 U.S.C. § 405(c)(2)(C)(iii)

Dittman v. Cal., 191 F.3d 1020, 1026 (9th Cir. 1999)

Schmitt v. City of Detroit, 395 F.3d 327, 329-30 (6th Cir. 2005)

Schwier v. Cox, 340 F.3d 1284, 1292 (11th Cir. 2003)

Lawson v. Shelby County, Tenn., 211 F.3d 311, 335 (6th Cir. 2000)

Ingerman v. Del. River Port Auth., 630 F. Supp. 2d 426, 445 (D.N.J. 2009)

Szymecki v. Norfolk (E.D. Va. Sept. 11, 2008)

Contact us 1-888-821-6408x2

Read more… Good Credit Union removed my bankruptcy in 10 Business Days. I had been trying for the last 8 years to get this bankruptcy off my credit. I had success with Equifax and Transunion but Experian would not work with me. I merged my company Business credit America with Good credit Union and they proved to me how valuable they could be to me and my company. I sent them my credit report on 11-28-2012. They mailed out the letters to Experian credit bureau round the 9th or 10 of December. I pulled my credit report 12-17-2012 and the bankruptcy was removed. Thanks Good Credit Union.

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Business Credit America has done it again. This time, their taking on the credit industry to prove to Americans it is still possible to build business credit. Their offering a free business credit forum and BUSINESS training teaching entrepreneurs, small business owners, internet and online marketers how to properly structure themselves for the best asset protection.

As the banks and other financial institutions still refuse to help the American economy rebuild itself, Business Credit America has decided, they will not wait until after an election to help revive the economy. A spokesperson for the company, said “they feel the American Economy should not be struggling when you have so many multimillionaires that are able to help small business owners keep their business going and help start new businesses”.

Business Credit America is offering a Free Business Credit Forum and Business Training to the American public. Learn some of the Basic things most business owners miss in order to have a successful business

• Learn, How to properly structure your business for the strongest asset protection
• Learn how to properly order you EIN number
• Learn about current trade vendors that offer business credit on net terms, such as,,,,, these are just a few trade vendors.
• Learn the difference between a Paydex score and a Business Credit Score
• Learn how to properly file a Ucc-1 financial statement to help your business or personal credit
Business Credit America offer so much business information to help get the American Economy get back going. Check them out at and join their free business credit forum today, IT’S FREE

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Protect your Identity and Social Security number with a CPN (Credit Profile Number).  Learn the secret that celebrities, government officials,and pro athletes use to protect their identity and get all the credit they want with out using their social security number.  Learn More @


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4 Starter Companies to Help Get Bad-Credit-Business-Loans Business loans are very difficult to obtain in today’s challenging economy especially if you have bad credit. Many people are closing their small-businesses because they have bad credit. Lenders such as banks and credit unions have even made if hard on people with good credit scores.

Now, that does now mean it’s impossible to get business funding with bad credit, it just means you have to be a little more creative. The creative process starts by finding trade vendors that will give you credit regardless of your personal-credit. I done a little research and found 4 trade vendors or net 30 companies that would be more than willing to help you startup you business-credit file. If you order from these companies first, they will automatically create you a Dun and Bradstreet report that way you don’t have to purchase their product just to get a Dun’s number.

The four companies that will give you credit regardless of your personal-credit are Grainger, Nebs, Uline and Rapid Forms. You do not have to pay up front they will automatically give you trade vendor credit to help you establish yourself for a business loans and create a paydex score with Dun and Bradstreet.

This is just an alternative to helping you get funding with bad-credit. If you would like to get you’re personal-credit repaired in less than 30 business days then I recommend you check out Good Credit Union (, there fast reliable and comes with a 100% money back guarantee.


Read more… Get A High Paydex Score.Using Good Credit Union 30 Day Secrets. Using Good Credit Unions Business Credit Approval Secrets they'll get you a high paydex score in 30 Days.

Everyone that's ever did any business with Dun and Bradstreet and the credit bureaus (Experian, Equifax, and Transunion) know how important it is to have a paydex score of 80 and above.

This is part of the bloodline to getting funding for your business. When lenders see you have a high paydex score, they feel confident your business will pay them om time too.

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How to get Business Credit Cards Without a Personal Guarantee? 1-888-821-6408x2
How to get a Business Credit Card with out a Personal Guarantee is a step by step process. First you have to see what business is more favorable to banks, which is called SIC CODE. Once you know and understand this step then you can continue on with the proper step to get business credit cards.

Here are the necessary steps to get a Business Credit Card with out a Personal Guarantee.

Know you Sic Code for what type of business your looking to Start.
Call and get your EIN#/TAX ID# over the phone not online and please make sure you use Incorporated at the end of your company name.
Incorporate your business to a C-Corporation Banks love this entity.
Get your Dun and Bradstreet Number from their website. You want the number thru the CCR Government program. This way you get the number for Free and within 48hrs instead of 30 days.
You need to have Projected Financials submitted to Dun and Bradstreet in order to a Clear complete file this is very important.
You need to file Ucc-1 lien against your business for the money and equipment, you invest in the business to get it started. This is very important to creditors.
Once these steps are completed then you need at least 6 to 9 Net30 Accounts such as,,,,,, Grainger, Uline, Seton, nebs, deluxe and so on. Remember Dun and Bradstreet does not report your credit limits, they report the amount you spend on purchase, so the more you spend on products the better the tradeline looks on your business credit file.

If you follow this step by step, you're guaranteed to get Business Credit cards with out a Personal Guarantee.

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Introducing our first PWP feature of 2012: Kristie Kennedy. She is a Women's Beauty, Business, and Brilliance Coach. Having had some adversity, she has overcome it all and has proven it by her many accolades.  In 2010, Kristie was crowned the American Image National Woman and is currently Ms. Tallahassee, Fl. for Ms. Corporate America 2012. Being so talented, Kristie wears many hats. She is an esthetician, professional writer, self-published author, recording artist, poetess, jewelry designer, and motivational speaker. As a make up artist, her advice was featured on Tyra Banks' beauty website. Her advice for people in business is to: clarify your mission, define your goals, and execute your plan. It was a pleasure hearing Kristie's story and she shared more in her interview below. ENJOY!

1.Tell me your story. What were you doing before you started your own business?

It was on December 6, 1999 that I experienced being laid off from working as an Information and Referral Counselor for the Leon County Homeless Shelter. The company had to terminate 95% of staff due to a drastic budget cut and for the first time I was acutely aware that having only one stream of income could place me in a vulnerable financial state within a matter of seconds.   Two days later I was at the Division of Corporations filing for a fictitious business name without a real clue as to what I was going to do I just knew I needed to do something new.

2. What made you want to start a business and what is your mission?

As long as I can remember I have been a very creative and innovative individual.  When I was a child I remember my first business with two close friends we called it the Kangaroo Company. We sold women's shoes.  We pretended that we were the owners of a real store checking each other out at the cash register using our own shoes as inventory.  In retrospect, our imaginations were giving us a glimpse of what was to come. When your spirit is overflowing with a vast array of ideas its only a matter of time that you refuse to deny their existence and begin to showcase the inner workings of your mind.

My mission is to motivate and inspire others to believe and achieve their dreams. I breathe words of empowerment that transform fearful hearts into courageous flames of fire! 3. What inspires you?

Recently, I have been pondering that question after passing by a billboard that read, "What Drives You?"  I know many people are motivated by money but for me I am motivated by a desire to help people succeed in every area of their lives.  I want every hurting heart to be healed, every confused mind to receive clarity of purpose and every faint spirit to be renewed and revived.

What keeps you motivated daily to keep growing your business?

As I mature in my personal journey towards greatness I a motivated by the countless and wonderful experiences I encounter with others and the reward of making a difference in their lives.  Recently, one of my news articles went live and I wrote about an attorney who was making a major impact in our community.  He had no idea that I would be writing about him and after sharing the story with him I received an email from him expressing his gratitude and that he was honored.  I basked in that moment and whispered to myself, "priceless, no amount of money can touch this feeling." I aspire to inspire while instilling distinct value in the lives of others daily. It is a lifestyle.

4. Do you have a mentor? Who is it and why?

Yes. I have several on multiple levels. My mom, for matters pertaining to womanhood and practical life lessons.  She represents the truth that there is one person on earth who loves me unconditionally.  My mother is an emblem of God's love shining effervescently. My dad, is one of the most candid people I know.  He keeps it real and always shoots straight with me. My business mentor has walked with me from the early onset of entrepreneurship and I learn by her example of diligently working your business day in and day out.  I never knew what would be required of me as a business owner and I am stronger today because of the challenges it demands of me on a constant basis. My close friends inspire me with their authentic support and belief in every new idea that arises. One of them has a famous joke about how I have a tendency to wake them in the wee hours with my uncanny zeal. When your trail blazing new paths it's important to be surrounded by individuals who see beyond your current status and are secure enough within themselves to celebrate without feeling intimidated by your greatness.

Do you believe it's important to have a mentor?

Yes. In the multitude of counselors there is safety, wisdom, guidance and insights that we may be unaware of.  It takes a humble soul to acknowledge the need for assistance and a gracious spirit to be open to receive it. 5. What would you tell someone who wants to get involved in your line of business but doesn't know how to get started?

An individual's business is a sheer reflection of their core values and belief system. As a Christian, my faith in God is the foundation upon which I stand.  Additionally, one must make a lifelong commitment to know and grow.  Know thyself and grow thyself, internally and externally.  As you evolve so does the business. You have to become a sponge soaking in all of life, the good the bad, the happy the sad. Every experience is a lesson for change.  Seek out wisdom from experts in your field. Become an avid reader.  One of my favorite quotes, by Ntozake Shange "We lift as we climb."  Be generous and share what has been sowed into your life to ensure good is ever flowing your way. Most importantly, Never Give UP! 6. What advice would you give to someone with an entrepreneurial spirit?

Explore. Expand. Express.  Explore every gift and talent to see what works and what does not.  My first business concept did not go over to well.  There has to be a demand in the market place for it and it has to be made highly visible, with systems and structure in place if a high volume of sales are to be acquired.

Expand your sphere of influence by provoking yourself to move out of places of familiarity and comfort. Expand your ideas by building on old ones and developing new ones.  Express your creativity and ideas to a wide array of individuals to become more astute in articulating the vision of your heart. If you share your vision enough not only will it crystalize your convictions but it creates a comradarie amongst other entrepreneurial spirits.


Thank you Kristie again for sharing your inspiring story. I hope reading success stories like Kristie's can help motivate you to continue to work towards your goals in 2012! Get that new job, start that new business, move on from that toxic relationship because this is the year for GREATER! Visit Kristie's website at and you can see her beautiful jewelry at wants to hear your story! Visit our website for more information.  

See you at the top!

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Wikipedia's DefinitionA short sale is a sale of real estate in which the proceeds from the sale fall short of the balance owed on a loan secured by the property sold.In a short sale, the bank or mortgage lender agrees to discount a loan balance because of an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank's loss mitigation or workout department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale. Extenuating circumstances influence whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market and the borrower's financial situation.A short sale typically is executed to prevent a home foreclosure, but the decision to proceed with a short sale is predicated on the most economic way for the bank to recover the amount owed on the property. Often a bank will allow a short sale if they believe that it will result in a smaller financial loss than foreclosing as there are carrying costs that are associated with a foreclosure. A bank will typically determine the amount of equity (or lack thereof), by determining the probable selling price from a Broker Price Opinion BPO (also known as a Broker Opinion of Value (BOV)) or through a valuation of an appraisal.For the home owner, advantages include avoidance of a foreclosure on their credit history and partial control of the monetary deficiency. A short sale is typically faster and less expensive than a foreclosure. In short, a short sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount. It does not extinguish the remaining balance unless settlement is clearly indicated on the acceptance of offer.Short sales are common in standard business transactions in recognition that creditors are not doing debtors a favor but, rather, engaging in a business transaction when extending credit. When it makes no business sense or is economically not feasible to retain an asset, businesses default on their loans (called bonds). It is not uncommon for business bonds to trade on the after-market for a small fraction of their face value in realization of the likelihood of these future defaults.Got questions about short sales?
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How is Ministry and business going? I have just completed compiling a 483 page manual that will show you step by step how to write grant proposals as well as give you over 400 pages of agencies that actually give grants to for profit and non-profit organizations. Now is the time to tap into where the funds are, while they are still available. The cost is 39.95 plus 5.00 shipping and handling to have it shipped or you can download it as an e-book for 39.95 which will also include April Masons latest e-book " How to Establish your business Credit without using your personal credit" . Contact me at Here is the link to download the e-book

"Prophetess Allison J. CrossFire and Rain Ministriesemail: prophetesscross@yahoo.comphone: 231-343-2511
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