I have been VERY busy establishing myself and my group. You see, this is a tremendous opportunity …we practice what we preach. We already have business credit build up,   now is the time to make use of it.  Well the past two years is when the investing part started for us.

No one can deny that the economy is changing (for better or for worst). As investors we have to take advantage of the situation. Rising prices means you have to sell and falling prices means you have to buy, either way, it is time to take action. Many undervalued assets are out on the market, real estate, abandoned restaurants, you name it. In certain parts of the country the market is already picking up and prices are sky rocketing . Also there is a strong rumor that the market will go down again. With the immigration law at the brink plus other obvious changes that are taking place around the world and especially USA you just know that there will be volatility in the real estate market (and any market for that matter). As an investor you have to take advantage of all this,  all you have to do is start with ONE such property and you can build on that.

Banks are not really easing up on giving capital BUT they ARE giving financing/credit to individual/businesses that are worthy. Read the articles and you will see how you can align yourself and your company for great financing. The basics really have not changed much

Here is a video that brings the point across (although I do NOT agree with everything these two say)


For now read the free articles on my website and take action



The Amex charge card, which has no ‘pre set limit’ and has to be paid in full at the end of the month, has been somewhat of a mystery in terms of building business credit.

First confusion – Does an Amex charge card report to any business credit agency or data collection agency (like D&B ). No it does not.

 On top of that it is a charge card – so if you are going to pay it off at the end of every month and it has no ‘set limit’ than what will the business credit report show anyway ?  ‘Zero’ activity and ‘no’ limit !!


Small Business Financial Exchange (SBFE) is an agency similar to D&B except they are not- for-profit and have a MUCH LARGER data base than D&B.  SBFE database has files on small businesses just like D&B. Amex Express business cards (charge cards etc) is one of the companies that DOES report to SBFE……. Equifax commercial division (Equifax business credit) handles SBFE’s database.   So in that way creditors who run your Equifax business credit report will be able to see that you have Amex business card.

 Amex is a reputable name and if you do not go over-board in using it on a monthly basis, it will always look good in your business profile/file. Amex Gold card or even there Platinum card could be a stepping stone to say a Citibusiness credit card, a much larger business unsecured cash card.

Amex on your personal credit report (personal credit card) – now that is another story and that might have more cons than pros…. but that is for another article.


As you know we consider getting a Staples account an important step in business credit building. Here is a common confusion among some: When applying for the Staples card – remember it is easier initially to get a Net 30 pay account instead of a revolving account. That is the commercial billing account that asks you to pay the complete balance at the end of every 30 days. When you do have this account and use it for a couple of months it is easier to change it to a revolving account. In a revolving account you can pay a minimum every month if you want.

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.



happy New year and Merry X mas…..

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


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.


End of year again. We have a couple of real exciting things in store in a couple of weeks. Maybe even before the end of the year that can benefit all of us.
The economy is on the brink of….lets say…major change. The world economy, not just US economy.
Real estate is a good indicator of what is going on since it is perhaps the largest and most visible industry. Recently many banks have started what is called an “Independent foreclosure review”. For certain borrowers (meeting certain criterion) there is an option to go through an “independent foreclose review”. All the request forms will be mailed out by Dec 31st 2011. The deadlines to mail in the completed requests is April 30th 2012. IN THE MEAN TIME THE FORECLOSURE ON THESE PROPERTIES WILL BE PUT ON HOLD. mmmhhh.
This means that these properties will most likely still be in foreclosure ALL NEXT YEAR – or atleast till Oct next year.  A person staying ‘free’ in a house (or collecting rent) will want to delay the inevitable foreclosure. So if they mail in the forms as late as they can, say on April 20th. The review will take atleast 45 days. Lets assume worst case and they get ‘rejected’. The property will be back in foreclosure and worst case scenario, it will take another 3 month for it to complete the foreclosure process. That means the property will be re-possessed some time in Sept or Oct and that is IF the final foreclosure process happens that fast after the review gets rejected, something very unlikely. Now what does that mean. That means more and more delay in completing the foreclosure process for properties that are in foreclosure.  That means a delay in the recovery of the real estate industry which translates into delay in the overall recovery of the economy.
The owners of most of these properties have not paid their mortgage payments for as long as 3 years. If a mortgage is  not paid it is safe to say that the taxes and water bills are not paid fully as well.  All of this has to slow down considerably (or stop) before we can say that the economic has bottomed out. Not to mention that even when the properties are out in the market (after they are re possessed by the bank) they still have to be bought by investors (or homeowners) otherwise they are just vacant properties. That is another source of delay in recovery since lending for property purchase is very tight.
Personally, I do not believe there is such a thing as a stable economy (strictly speaking) since an ‘active’ economy is always peaking or bottoming out around an ‘average’. But it is safe to say that as a nation we are far from a so called ‘average’.

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.


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

Holiday season coupled with a down economy breeds scam artists. Scams are popping up every place you look. Below I will highlight some scams that still seem to be going on.  They sound very convincing on the phone and can fool the best of us.

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.


More articles click here

Some times you will come across incorrect information on your iupdate business file, information that you can not change without contacting D&B. Like incorrect UCC filing information. We all know that calling D&B is not a good idea. So if you notice a UCC number appearing on your file that is clearly not your companies or a filing that has already been cleared, what is the best thing to do?  I am assuming you checked with that states secretary department to double check if the public filing is consistent with what you think. Here is a useful e mail that you can use:

E mail them and state your case clearly and concisely,  attaching any “proof’, your Duns number etc. You see D&b does not make these type of e mails public on their website cause they want everyone to call them up so they can sell you one of there overpriced packages.

OFF – SHORE CORPS for sales. We are working on that and will keep you posted.

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.


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.



Most of us know the economic situation. There does not seem to be an end in sight. “This time it is different” and all that ….. That might be true but we also know that these times bring opportunities that you can exploit. Other than undervalued assets like, real estate,  small businesses for sale at great discounts – here is another opportunity that can be used.


Watch this video for the compensation plan:

Now click on the link below and sign up for FREE:


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



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.


Lots of free information on business and personal credit click below