As we indicated on the site, Staples is a citibank backed card like Shell gas card. Of course with Staples you can get really creative. All that will make it easier for you to get a Citibank (or citibank backed) unsecured business credit card.

Aimanzul

http://ucc-1credit.financial.officelive.com/EXTRA.aspx

We have an end of the sale on the site. Please check it out.

http://ucc-1credit.financial.officelive.com/products.aspx

Also if anyone  purchased more than $50 worth of pdf and have not yet submitted their corp info please do so. All we need is the corp name and address as a minimum for posting to business credit.

Thank you.

Aimanzul

If you still have not thought of getting  your financial future secure through means other than just a 9 to 5 job than I think this should be a wake up call. Other than the obvious wage cuts and job cuts, the current situation will bring tremendous opportunity for those who are prepared. Just the real estate opportunity will be tremendous with all those properties selling at rock bottom prices, much lower than their potential rent. Of course there are other trends that are also emerging. We will discuss those in later articles. Bottom line is you have to be prepared to exploit these trends.

Aimanzul

Please visit our site for free business & personal credit articles and YEAR END DISCOUNTS.

According to Federal Trade commission – the highest percentage of total frauds are Credit card fraud followed by Utility Fraud and bank fraud.

1                   You can get a phone call from the fraud department of one of the credit card companies that you deal with. The ‘beauty’ of this one is that they do not ask for your credit card number, which makes it even more convincing. They already have your credit card number. What they will say is that they detected some fraudulent activity on your account and they have to credit your account for the money. That makes it seem even better!

What they are looking for are the last 3 digits on the back of your card. That is the missing link as far as they are concerned.

They will proceed with confidence asking you to just verify the last digits on the back of your card after they basically tell you what your address is and/or last digits 4 of your credit card are.

In such a situation the best thing to do is to ask them for a number so you can call them back immediately.  After that of course call the number on your credit card and tell them what happened.

2                   You get a phone call saying that you are approved for a credit card. These are usually made to people with low credit scores since they are most likely to get excited about an offer for credit. The pitch is usually very professional “You have been approved for …..”. What they want at the end is your bank info for the initial fee for enrollment. “this will help you build credit blah blah etc…”. After which you are likely to receive a UPS package, which will be exciting until you see that there is no credit card offer. Just a bunch of other offers!

3                   You get a letter from a company saying something like “your insufficient check has been forwarded to this office for immediate action”. If a payment is not received within 7 business days from the date listed below, your check could be filed with the appropriate municipal court.

If you call them up an ‘investigator’ will speak to you saying that you wrote a check that bounced. They will sound threatening. When you ask for details they will give you a minimum amount of info saying that their system is down  but that you should send over a certain amount of money atleast to keep from going to court  (or even prison)….you get the idea.

4                   Keep an eye out for all you’re credit cards that you do not use. Check activity regularly. Thieves are getting smarter. They do not steal or find a credit card that is not theirs and go on a spending trip out of town (that will shut the card up automatically). They usually spend a little where they found the card so it does not raise a red flag. Than wait for a day and go nearby to spend some more.

5                   Using your Debt card too often can also create problems. Scammers are attaching a skimming device to an ATM machine that is not a part of the original ATM machine. That device captures the pin number and credit card number etc. Ones they have the number they can easily create their own credit card (a fake one of course) that basically can be used, drawing money from your credit card. Hard to spot Skimming devices but if you notice a change at your ATM like a color difference in the card reader or a gap where something appears to be glued to the slot, it is a source of concern. The safest way is to use a trusted, regularly used ATM machine like inside a bank. The corner store grocery is a no no. The scary part about this is that since your info is stolen you can have your credit card in your pocket and still money gets withdrawn from your card. You will not bother to check since your card is not stolen. Automatic gas stations are notorious for this.

6                   The ‘Cash back’ at a super market. You have a lot of goods that you just bought. The list is long. The cashier puts in $10 or $20 extra, as if you requested‘cash back’ as a customer from your card. You do not bother to look at the bill. The cashier either pockets the cash back amount or gives it to his/her friend that is next in line buying something else!!

If you do look at the bill and see a cash back that you did not request the cashier will either request you to take it since they would have to ring everything up again, claiming the machine might be faulty. The cashier might even insist that you did request it while still apologizing for what happened.  The sad part is that most will not suspect that this was deliberate and even if they do they cannot prove it since the cashier will just void the transaction and ring it all up again. So as far as the scammer is concerned, they can either make some money or worst case, NOT get caught. That just encourages them to keep doing it. There have been cases of investigation. All I am saying is, watch out for it.

7                   Payday Loan collections: Some collection agency will call you up, usually an oversees outsourced ‘fake’ collection agency. They will claim that your payday loan has been defaulted on and you have to pay or you will be taken to court etc etc. Their whole purpose is to collect anything from you …the more the better but anything they can get is good enough. Of course they only call people who have really defaulted on their payday loans (an increasing number these days). If the person asks for more information they will give a number to an attorneys office. That number is usually a DID number that directs calls to another department of the same office, meaning that it is completely fake. The ‘attorneys’ office will tell them that they were already mailed a letter alerting them of the situation etc. Since the customer has actually really defaulted on the pay day loan it is easy to fall for this scam.  These companies usually go on and on since for a couple of hundred dollars people usually do not hire an attorney to help them in this situation. Attorneys probably cost more, than the scammed dollar amount, to just handle the case.

Please feel free to share your own experience. Something that you have heard or experienced/seen first-hand.

Aimanzul

More articles click here

Hope all of you are really working on your business & personal credit. Remember this is the time to do it. Just yesterday I heard how one of our supporters got a Chase Business ink card. His personal credit was pulled BUT his personal credit is far from perfect. It was his business credit that really came to the rescue. He already had two Chase personal cards, one with higher limit than the other. Initially he got rejected for business credit card (Chase Ink Card). On my advise he called up Chase using the reference number on the rejection letter. Chase was just wonderful, they asked him to verify some information, seemingly checked his credit again. My friend gave them his business credit needs. The end result. Chase bank lowered the limit on one of his personal credit Chase cards and gave him a business Chase credit card instead. This is a classical case of banks really wanting to lend even though they are limited due to lending restrictions. Lenders make money lending. Now image if you have all your business file in order – most businesses find it difficult to borrow these days  so you will stand out and hence get great financing options.

http://www.inkfromchase.com/

Make sure that you emphasis that you are trying to get a business credit card and not a personal one. Chase has so many departments that it is easy to end up in the wrong place. They should get your corps EIN number and they also get your SS#. Make sure your business credit file is strong so your personal credit matters less.

Aimanzul

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Needless to say also use this time to build your business credit file to the max.

Aimanzul

Here is one great use. Say you have a Staples account. Now you might be approved for the standard $2000.00 business credit but you can only purchase from a Staples store.

What you can do is  buy one or many of their gift cash cards – with the Visa, Master or Amex logo and run it through your square-up and have access to the cash in a matter of two days. The cost will be the fee for transfer which will be a total of like $1-2 and the card cost which will be like $5. Equipped with this knowledge you can keep an eye out for any store that has cash cards or ANY credit card…….you get the idea. Be creative. Like you can use the cash to pay up most of the invoice(s) that you initially incurred with Staples (as an example) when you bought the gift c cards in the first place. That will  show activity on your business credit Staples account  with minimum money out of your pocket. So for like $6.00 you can have $100.00 worth of activity.

Now if you have two separate different store accounts that both carry gift cards you can actually initially buy gift cards to run a balance on one of them, than to pay that off buy gift cards from the other card. That way you can ‘kill two cards with one stone’ ! Making the balance zero on one card as you spend the other card (to buy gift cards to pay the other off). Sears and Staples both carry gift cards especially in the holiday season.

If you only use one store card (as ib the first example) the balance never really goes to zero, the balance is just pushed forward to the next month. Apply it and you will see what I mean.

Two ways, that way you have more options and that is always beneficial.

Aimanzul

Lots of free information on business and personal credit click below

http://ucc-1credit.financial.officelive.com/EXTRA.aspx

Aimanzul

Please do not call them – it is too much of a headache. Read these articles to learn more CLICK HERE

Third article down..

When you have a bunch of tradelines on your report – this is what you need to do. Go to DNBi website and apply for there 14 day free trail and see what your company report really looks like – as seen by the creditors.

Here is the link:

 http://smallbusiness.dnb.com/15246198-1.html

Also make sure that all the trade lines that you really have are in your report. If they are not than try adding them. Give them as much info as possible, say if you want to add Tech depot , give them your account number with Tech depot., the name and direct number of the rep that deals with you and all other information.

Remember this is not the same report as the one in the D&B ipudate

Notice it says that the free trail ends June 30^th so make full use of it now.

Aimanzul

For more free articles please visit  http://ucc-1credit.financial.officelive.com/EXTRA.aspx

Personally I treat everything with a healthy dose of suspicion. Case in point, if I call up a credit company and request removal of a 30 day late. My argument could be that it was a mistake and otherwise I have a very good payment record with them – a good will approach. Say as a result they promise to remove the late payment. First I will ask for a confirmation number and if they do not have one I will make double sure that the conversation was noted (in their system) as far as removing the late.  After that I will watch my report like a hawk, waiting for the late to come off and follow up if necessary. Usually it takes 1 to 2 months to remove. This is just a simple example …

Below I have highlighted a number of situations that might surprise you as far as personal credit is concerned. They show that personal credit is not an exact science and that experience, knowledge and caution count for a lot.

1    Try your best to get your debt interest rate as low as possible. Initially you might accept almost any rate but gradually you want to lower the rate. Other than the obvious reason of paying more, if you use high interest credit sources your credit score will dip.

2    Do not close your oldest credit card (no matter how bad the terms of the debt) if you do not have a long credit history. The oldest will show ‘age’.

3   Paying of a charge-off account will not really increase your credit score. Just the presence of a charge off account depresses your credit score irrespective of its statues. Hence do not be surprised if you spend money to pay off a charge off account and the score does not change.

4   If a judgment or a collection account is paid off (or settled by a partial payment agreement) do not automatically assume that the original creditor will also indicate that the account was “Paid” or “settled” etc. The credit bureaus do not make these into one account. So the original delinquent debt will most likely remain and remain for the length of the SOL (Statue of limitations, see my other article, click here) if nothing is done about it.

Having said that when an underwriter is involved, like in certain loans or mortgages, he/she will look at the report carefully and will see that the two accounts are the same. They can see that the account(s) have been settled.  Problem is that two ‘bad’ accounts are more likely to depress your credit score and as a result your case (loan/mortgage request, credit report etc) might be rejected on the bases of a low credit score. Meaning an underwriter might not even get a chance to see your report . A higher credit score is always better.

At the very  least, it is best to get a “Delete account” letter AND a “debt settled” or “paid” letters as you negotiate the settlement (see previous article, click here).   Quite simply make it clear that you will not move forward with any negotiation unless they agree to provide those two letters on payment of any settlement amount.
5  Paying off installment loans or student loans will not necessarily increase your credit score, all else being equal. In fact most likely your score will not change at all. It seems that only revolving credit account repayments increases credit score.

6  Closing unused credit card accounts seems to almost always lower credit scores. Plus if you can, try leaving some balance on your credit cards, even if little, when the creditor is making money off you, the creditor is happy.
Here are some more useful tips:

1  Remember you can dispute anything on your credit report. Anything. They have 30 days (30-40 but ask the specific company) to answer and if you send in another request before the 30 days are up the time is just extended. It is better to wait for the allotted 30 days to pass before placing another request.

2   Sending all letters certified mail? Certified mail requires signatures so if you send everything using certified mail some of the items might not go through especially if mailed to the original creditors. Certified mail is only really needs to be done for debt validation with a collection agency.

3  Credit reporting agencies love to ask you for your bankruptcy papers if you ever mention that you are planning to file bankruptcy. Never mention that you want to fill bankruptcy and which accounts you would include in the bankruptcy.  More of this in later articles.

Aimanzul.

For more free Personal credit articles click here and go to the bottom of the page for Personal credit articles