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https://houstonmcmiller.com/how-to-get-business-credit-cards10667319, https://3wayfunding.com/how-to-get-business-credit-cards, http://www.businesscreditamerica.com/ 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!

How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable.  There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government.  They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments. 

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans.  Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae.  When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan.  Which also means that these lenders make up their own rules when issuing loan and collecting on them.  They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

Don't Go Another Year With BAD CREDIT

Get this free personal credit ebook when you purchase the business credit educational program.  You’ll learn how to:
[HOW TO] OPTOUT FROM THE CREDIT BUREAUS
[HOW TO]:  FREEZE YOUR PERSONAL CREDIT
[HOW TO] GET ACCESS TO YOUR PERSONAL CREDIT REPORT
[HOW TO] UPDATE YOUR PERSONAL CREDIT INFORMATION
[HOW TO] CREDIT ITEM REMOVAL AND VALIDATING THE DEBT 
[HOW TO] DARK TACTIC USING THE ADDRESS
[HOW TO] PAY FOR AND DELETE LETTER
[HOW TO] SUE CREDIT BUREAUS PROCESS
[HOW TO] STOP WAGE GARNISHMENT
[HOW TO] JUDGMENT REMOVAL
[HPW TO]  GET OUT OF CHEX SYSTEM REMOOVAL
[HOW TO] IDENTITY THEFT CREDIT CLEAN PROCESS



http://BusinessCreditAmerica.com

Are you a small business owner that hates tax season?  You have to think of how you can reduce your tax bill and walk away with a nice tax return.  In this video I'll share with you a few resources that could save you thousands of dollars in your small business.  Many small business owners accountants, CPA's, or Attorneys don't share these writes with the majority of their clients.

http://BusinessCreditAmerica.com
Are you in bad need of money for your business but you have bad credit.  In this video, I teach you a process to acquiring a loan for your business even with bad credit. I give you the break down on what you need to set the business up properly so that the business qualifies for that loans.

Even more I teach you how to find investors for your business.

Have you ever wanted to be your own boss, but you did not have the money to start the business?  In this video, I'll share with you some great resources to help you get started in becoming a business owner.

How does incorporating your small business benefit you?  In this video, I'll share with you 7 of the great benefits of a corporation.  You'll also learn how easy it is to save thousands of dollars in your small business.

  If you’re an entrepreneur or veteran in your business, and you’re finding it difficult to borrow money, then you may need to look at the foundation of your business. It’s unfortunate a lot of financial institutions loan officer do not have the knowledge to help you qualify for funding.
As a business owner for over 10 years, I am very familiar with the stress that comes about when you need money either to expand your business or just trying to make payroll. I discover 4 years ago about business credit, and I took all my free time to learn as much as I could about it. Many used this method to acquire funding, because their personal credit was destroyed.

A few things that I learned from studying business credit was that in order to obtain funding you must have a strong business foundation as well as good personal credit. Although, those facts made since, it made me feel discourage and uncomfortable, but as I educated myself more and took action, I felt a sense of relief.

I’ll like to share with you those steps I took to build up the foundation of my business in this outline.

 1st you must pick a favorable lending code. In the business world they call it SIC CODE or NAICS CODE. I made a video explaining these terms on my youtube channel on my website http://BusinessCreditAmerica.com.  Some of the favorable lending codes with be the following niches such as technology, education, retail, wholesale, and telecommunication.

  2nd step to building the foundation of your business is the structure of the business. Banks and Credit Unions are biased to the structure of the business. The majority of business owners are focused on either a S-Corporation or an LLC. However, banks favor C-corporations, because it’s look at as an entity that can vouch for its own credit, built up correctly. Another reason the C-corporation is preferred is because you can raise capital by issuing stock in the company.

 3rd step in building the foundation of your business is the registration of the company online. There are several avenues you need to take when registering your business. You would start with the business credit bureaus. These would be Experian business, Equifax business, Credit.net, and Dun and Bradstreet. Once you’ve register with those, you move on and register with the government systems like, Sam.gov, ORCA, MBA, and SBA. After, you’ve completed those you’ll register with the top search engines like google, bing, yahoo to name a few. The purpose of doing all of this registration, because this acts as a third party verifier. I discuss more of this in my ebook THE INSIDER BANK SECRETS.

 4th step in obtaining business funding is opening up 3 business bank accounts (checking, savings, and expense). By opening these accounts, you are establishing a relationship with the banks as well as building business credit with the credit bureaus. In my ebook I teach you how to make a small budget go a long way when building a good business relationship with the banks.
If you wish to learn more tips and secrets on how to build business credit to obtain funding join our community and forum at http://BusinessCreditAmerica.com.

 Please stay connected so we can prosper together.
 At your service,  Rickey  623-453-6364

 JMCC community http://www.jusmcc.net

Update on My Fun Life, mobile app company featuring travel app.

http://www.juniques.ws/myfunlife

This company is really growing daily by the hundreds.

There is a big interest in mobile apps and how to earn money providing them. Huge Discounts on Travel,Trips, and Condos will alway be of interest.  My Fun Life is gaining international following.

With a no cost enrollment and $21 per month paid enrollment.

Signups are happening hourly!! Take a look at this program.

Get yourself an account and watch the growth and profits.

Attention readers of National Best Sellers.

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http://BusinessCreditAmerica.com 1-800-652-7157 How to Build Business Credit without Net30 Accounts. 

In this video I explain why net30 accounts are not necessary for business credit funding. I have stated over the year that if people want to get approved for revolving credit they have to do several things, starting with their personal credit.

1. Repairing your personal credit so you can be a guarantor on business credit cards or loans is important to the business.  If you feel that repairing your personal credit may take to long, then find a service that offer cpn's or scn's. 
Click on the link http://www.goodcreditunion.com/

Some business owners have elected to add someone with strong credit on their board to be a personal guarantee for the company.

Click on the link http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

2. Building the business foundation to acquire funding.  As a small business owner you need a website and social media, as well as, registering the company.

3.  Business owners need to file financials and ucc-1.  This is what the banks look for in a business credit file.  These documents are what is used to help get the business loans and revolving credit cards.

4.  When you receive your articles of incorporation, you need to go open up 3 bank accounts (checking, savings, and expense).  In the ebook I teach you how to properly use those bank accounts to build a relationship with the banks. 

5. Purchasing the Dun and Bradstreet credit builder package is a good way to expedite to build up your business credit file.

Check out the ebook http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

http://BusinessCreditAmerica.com  Understanding a 80 Paydex Score and Business Credit Score/Rating

In this video I explain to you the difference between a paydex score and a business credit rating.
First, understanding that a paydex score is based off a customer paying 3 to 5 trade credit vendors on time.  Trade credit vendors commonly called Net30 Accounts give credit to start-ups or established companies. There is not a lot of factoring that goes into it.

Now lets look at a few important things that are used to factor a business credit rating.
1. A company's size and it's structure pay a key roll in it's credit rating.  I explain these factors in my new ebook "The Insider Bank Secrets." 
Click here to get the book
http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

2. The industry risk code or SIC CODE AND NAICS CODE also help to factor your business credit rating.  In my new ebook, I give you examples of good and bad risk codes in helping you to obtain business credit funding.

3. The outstanding balances of your accounts payable will also affect your business credit rating. 

4. Paying your bills on time or earlier help determine you a good risk as well as your credit card utilization.  Having high utilization, but low credit card balances also has an impact on your business credit score.

5.  Having good public records and updated financials help boost your business credit score.  When file those ucc-1 financials statements showing you paid a loan off, or paid a lien in full you are showing lenders your business is a good credit risk.  Always keeping up to date financials on file to show the growth in your business also has a positive influence or your business credit rating.  I explain all these steps in my new ebook "The Insider Bank Secrets." 
Click on the link to get the book
http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

6. The length of your credit history for the business also is important.  This show the business has stability and profitability over a period of time.  In our business credit forum, we show our members how to create this history.

Click on the link to get the ebook and check out the forum. http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

Http://GoodCreditUnion.com 1-800-652-7157 In this video, I explain the new departments the that Good Credit Union have opened up to it's clients.

Good Credit Union has added a Tax elimination dept. with a CPA and IRS Registered agents. As many of us understand that a CPA is the blood line of the business. Understanding having access to a CPA is one of the best resources a growing company needs to be profitable. 

Our CPA works right along side of our IRS Registered Tax Agents to make sure your company financial documents and taxes are looking good to financial institutions.

GCU Group also offers employment verification for people that work off of 1099 and need regular pay stubs created. This is great for someone that trying to purchase a vehicle or get into an apartment.

Check out our other services
http://BusinessCreditAmerica.com 1-800-652-7157

http://GoodCreditUnion.com 1-800-652-7157 In this video Houston with th GCU Group, Inc. explain why many people should fix their credit instead of getting a CPN or SCN.

1st you no longer have to find a co-signer to help you get an apartment, car, or student loan. I understand this is embarrassing for many adults with bad credit.

2nd If you have good credit you could add a child or family on you credit cards as authorize users and they could inherit your credit. This is one of the best gifts you can give someone if you're not rich or wealthy. Your 18 year old could inherit your credit and you will not have to co-sign for them an apartment, car loan, or student loan.

3rd You could buy real estate in which you could not do with a CPN or SCN. Many people want to get into real estate investing but they must understand that having good credit will make it easier to purchase that property.

4th When you fix your credit you don't have to show as much paperwork to get funding. With a CPN or SCN creditors want to see the id or drivers license to go along with the file. Creditors are asking for social security cards for that SCN or CPN, they are also asking for employment verification. This is alot of personal information they are requiring now for an SCN or CPN. 

5TH It's much more easier to get funding when you have good credit to do you investments, succh as buying a car from the auction instead of having to finance it from a car dealer.

This is Houston with Good Credit Union. You can call me at !-800-652-7157 or email me Houston@goodcreditunion.com or Alex @goodcreditunion.com

Rejection feels “icky” doesn’t it? It hits that space in us that we are uncomfortable with. That space that reminds us that we perhaps aren’t good enough or worthy enough. It reminds us of those childhood memories we would much rather forget. It just doesn’t feel good to be rejected by others.

We’ve all experienced it at some point in our lives, perhaps regularly. That feeling of wanting to retreat and hide in our “caves” after someone has rejected us or made us feel as if we weren’t “in the in crowd”. Or perhaps that family member who spoke to you in a manner that contradicts the symbol and role they are supposed to play in your life, confirming that “people are selfish or out to get you” It could also be the lost client contract or the new connection you made with someone on line who’s positive energy wasn’t favorably returned. It happens to us all at one time as we all have this undercurrent desire to be accepted and connected to each other. It’s normal for us to want to bond with others and co-exist with others. It’s part of our human DNA – but when rejection begins to take over our human existence, the feeling of wanting to be accepted begins to appear in an unhealthy way.

You know…

::Seeking approval over and over from others and feeling “empty” when not reciprocated

::Not knowing when it’s time to let go of a relationship or connection

::Making personal decisions based on what others think of you…

::The ironic disconnect from others (i.e. isolation or indifference because the world isn’t giving you “your way”)

or the most common for most people…

Living your entire life against the flow of your LIFE PURPOSE.

IS THAT HOW WE REALLY SHOULD LIVE OUR LIVES?

Click here to read more

What keeps you focused? What do you say when you feel ready to give up? There are moments when as women we simply get drained, and maybe even ready to throw in the towel. However there is a powerful restorative beauty in daily reminders of what is ultimately important to you.

“YOU.WILL.RISE. ->The myth of the phoenix describes the fire-bird who is burned to ashes with its nest. Out of the ashes a new egg is created and a new bird is born, who lives longer and more powerful than the original bird. Your ability to “reborn” after a personal set-back or failed business venture is important to remember. You may fail at some point, but it’s what you learn from the experience that will raise you to another level of excellence that ultimately creates the powerful businesswoman you are.” ~Excerpt from Embrace Your Journey: 180 Day journey of Spiritual Transformation for the Woman Entrepreneur-Day 1 (c) Copyright 2011, 2012 Sum of Her Publishing/Katrina M. Harrell

Below of 107 powerful mantras, reminders and affirmations for you on your wealth journey. Read them print them, share them, commit some of them to memory.

--------------------------------------

1. 1. 1. Though it hurts…I will fight
   2. 2. Through my cry…is my triumph
   3. 3. Though I stand out…I’m the missing link
   4. 4. Through my sweat…is my breakthrough
   5. 5. Above all the things I need,  is courage
   6. 6. Though I waiver, I shall not fall
   7. 7. Though I pause, I shall not stop
   8. 8. Though they laugh , I shall smile
   9. 9. Though I’m heavy, my burdens are light
   10. 10. Though it challenges me…I am victorious
   11. 11. There is beauty all around me
   12. 12. There is power in the dark
   13. 13. BE. Is a complete sentence
   14. 14. The seed is the blessing
   15. 15. Sowing the good seed is the purpose of all..
   16. 16. Do not rush the harvest
   17. 17. There is power in incubation
   18. 18. Though it is hidden, it is transforming
   19. 19. Your breath is your life
   20. 20. You only have TIME…to be present
   21. 21. Through your haste, you spoil
   22. 22.Through your quiet you are loud
   23. 23. Through your faith you shall persevere
   24.  24. Though they may appear better, you have yet to shine
   25. 25. Your inadequacy is your power in the wrong space
   26. 26. Protect your peace, create your abundance
   27. 27. They’re not haters, simply the confused
   28. 28. Those that “hate” are confused about their own power
   29. 29. Clean your home…clear your mind
   30. 30. Your abundance is in your home
   31. 31. Your home is the manifestation of your universe
   32. 32. A messy mind creates a messy environment
   33. 33. Treadmills lead to nowhere, but the journey on the open road reveals abundance
   34. 34. Do not desire others to change, desire others to know who they are
   35. 35. The journey is in discovering that we all have the mind of God.
   36. 36. When in doubt…stop and clean
   37. 37. You do not need an answer…you simply need to be BE the answer
   38. 38. Lack of money is lack of order
   39. 39. When you receive the calling…do not shout it aloud…there is power in silence
   40. 40. Your calling requires cultivation
   41. 41. Do not compare that which is incomparable
   42. 42. You have everything you’ve ever asked for…stop looking, start seeking.
   43. 43. An upset stomach is an unbalanced life…
   44. 44. There is power in stillness
   45. 45. There is no lack, only the clog in the flow of abundance
   46. 46. The secret to success is in creating your system
   47. 47. Focus on the process…not the end result
   48. 48. You do not know what you do not experience
   49. 49. You do not understand what you do not learn
   50. 50. Wisdom requires courage
   51. 51. It is great to be seen…but better to be effective
   52. 52. Do not shout before it’s ready
   53. 53. Tears are the windshield cleaner of a cloudy soul
   54. 54. Perception is like a computer…it only outputs what you input, true or not.
   55. 55. All the world is an analogy…should you need the answer, look within.
   56. 56. At the end…I am you, you are me.
   57. 57. No one cares about what you do…only in the energy you bring
   58. 58. In all the chaos…clear the plate
   59. 59. In all the noise…remain still
   60. 60. In all the confusion…most is non important
   61. 61. Do not wait for a wakeup call…
   62. 62. Set the standard to which you shall live by
   63. 63. Even though it hurts…do not stop
   64. 64. Even though they pass you…continue at your pace
   65. 65. Even though they do not respond…continue to love
   66. 66. Even though they do not desire you…continue to grow
   67. 67. Though you may stop…you shall not quit
   68. 68. Though you may fail…you shall pivot
   69. 69. There is peace in a smile
   70. 70. There is power in empathy
   71. 71. Being who you really are…requires courage
   72. 72. Being who we agree to be, requires motivation
   73. 73. Worrying clogs the flow
   74. 74. Though there is not enough, there is plenty
   75. 75. Though they do not see, I shall reveal
   76. 76. Through they do not respond I shall…praise
   77. 77. Though they do not feel, I shall embrace
   78. 78. Though I am complete…it is not done
   79. 79. Though it is not perfect, it is ready
   80. 80. Though I still lack, I am abundant
   81. 81. A lion does not consult the bird
   82. 82. The bird does not request the permission of the worm
   83. 83. The worm does not fret its fate
   84. 84. A confused life is a confused business
   85. 85. A confused business is a wasted purpose
   86. 86. The secret to success is in what you eat
   87. 87. Lose the weight…gain your abundance
   88. 88. Wealth is your birthright
   89. 89. Liberation is in letting go
   90. 90. People do not hear what you say…they feel what you are
   91. 91. They do not need to know your every movement…only your every result
   92. 92. Over planning kills the flow
   93. 93. Control is fear of success in letting go
   94. 94. There is only one thing you must do…be present
   95. 95. Your creative energy is like the ocean…therefore do not haste
   96. 96. Control creates fear
   97. 97. Though you may not fit in…you are the secret ingredient
   98. 98. Children are the good seed…
   99. 99. Without faith…there is no life
   100. 100. If the seed does not harvest…evaluate the soil
   101. 101. Anxiety is the body telling you to slowdown. Stop, refocus on what’s important now
   102. 102. They do not “buy” you because you are not BEing “you”
   103. 103. The blessing is in the fight…the pull, the push, the tenacity…don’t give up
   104. 104. The greatness you see in others…is indeed the greatness you have yet to see in you.
   105. 105. Though they resist, you continue to push
   106. 106. You already know…you simply need the courage to agree and act.
   107. 107. The answer will not come by staring at the computer…but it will come in the stillness of a deeply rooted tree, the lean of the blade of grass towards the sun, the stretch of your limbs in stride, the peace in your mind a midst chaos, the chirp of the bird at the top of the morning, the wind we do not see, the moon that is ever present, the sun that sustains and nurtures, the perfection of the fruit, the restorative beauty of rest, the fall of the leaf, the spoil of the fallen fruit that resurrects new fruit, the laughter of our children. The peace you chose to embrace…no matter what.
   (c) Copyright 2011, 2012 Sum of Her Publishing/Katrina M. Harrell

There is infinite wisdom inside of you, waiting to unleash itself. Let's embark on this journey of self-discovery together. Visit www.amazon.katrinamharrell.com for a groundbreaking best seller written for the spiritual journey of Women entrepreneurs.

The best tip to creating the best life is very simple.  I know many people want a 500 page book with illustrations to teach them this very secret but there is no need.  All you need to do is to treat everyone you meet, each encounter, every friend and aquaitance the way you would like to be treated. 

For instance, do you want to be loved and respected? Of course, the answer is yes.  Operating in love and respect begets love and respect from everyone around you.  These are two very important questions that are a must!

                    1. Do I want the best life?

                                2. How do I treat others?

Your answers to the questions above will help with you evaluate your life.  You never know who may need a hug or just a nice smile.  So today make a vow to sow seeds of love to everyone around you and watch your life change to the best life.  A life full of happiness, peace, joy, and love!

Brenda Thorpe

Proud Member of Internet CEO Moms

& Work at home CEOs

Email: BlessedFamof5@ymail.com

Tel: 803.937.5597

• How anyone with a computer and Internet connection can make more money starting immediately.
• How to build automated income machines that pump in cash daily to increase your income.
• My step-by-step system for success.
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• How to build websites that pump in cash daily and create long-term passive residual income for you and your family.
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