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.


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.

A common confusion among business credit builders is dealing with the one and only Dun and Bradstreet.

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:


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 iupdate

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


For more free articles please visit  www.ucc-1credit.com

Look at what a Duns report looks like …




Some days ago I was guiding one of my friends as he was trying to get his free Duns number from D&B. As he was new to the whole process I basically told him to apply for a free Duns number. It had already been more than 2 months since he applied. As expected he had already received 2 to 3 sales calls from Dun and Bradstreet. Of course I had asked him to politely decline and just wait for the free Duns number.Dun and Bradstreet will tell you that it takes 4 to 6 weeks to get a free duns number . In my friends case, it had been about 3 months since he took a little  longer setting up some of the other business-credit aspects that I had recommended.  He already had some lines of credit with certain vendors like Quills etc.  At this point we decided to call Dun & Bradstreet.

What followed was a classic example of what lengths D&B would go to just to make a sale.

An aggressive representative got on the phone. I had told my friend to act as an employee of the business (which technically speaking,  is  correct). The rep went on to explain that there is no way he can get a decent (!) duns number if he had not paid for it. My friend painstakingly mentioned that he had applied for a free Duns number. Also that the company he worked for had waited for more than two months for the free number and that should be long enough. He further explained that the company was certainly going to invest in one of D&Bs packages in the near future but for now he would like the free Duns number. And so it went, round and round. The rep claimed that he was checking the system and he could not find a duns number for the company and for such an such a dollar amount the duns number can be generated in “no time”.

The interesting part was this. As my friend was on the phone I was checking his business e mail. As my friend was being told that there was no Duns number I spotted an e mail from D&B with the free Duns number. That e mail was dated one month previous to that day.

Of-course I told my friend to politely say that he will let the relevant people in the company know and than to politely say goodbye.

Moral of this story: Be very careful what D&B tells you just to make a sale. Plus keep a very good relation with them since they are very important for business credit purposes.



By now you should have decided on a low risk SIC code business. Your business should have a business address and a land-line phone. I am assuming that you know how to get your business incorporated.  You do not need a lawyer to incorporate a business and I will not go into detail in this article. I am sure you can search the many services on the web that help incorporate a business if you do not want to do it yourself. These services are still cheaper than using a lawyer. For our long-term business credit plans a C-corp is the best structure.

When you do receive your EIN number and Tax ID number get a corporate kit for the business. You can get a corporate kit from places like Offiice-depot. A corporate kit is a subject in itself but for now do understand that a business has to keep records of where it spends its money, the employees, policy etc. I will expand on this aspect in later articles but for now make sure you get your corporate kit.

A business land-line and a BUSINESS e-mail is also very important.

Now here is another tip that will show you what sets me (and my team) apart from the rest:  Get some business stationery; letter heads, business cards etc.  Why do you think business stationary is  important ? Every time you deal with vendors, banks (etc)  you should use your business stationary.  For example,  Dun and Bradstreet has been in business for a long time and basically knows what to look out for when rating a business.  When your business faxes something over to D&B and it is on plain paper it might not “red flag” you BUT it will be one more thing that cautions them. In this economy you need every advantage, nothing should be left to chance.  Remember very few are getting financing these days  and hence the ones that are getting any have a tremendous advantage. You should have everything in order and I can assure you that banks will stand in line to give you financing. Remember our country is build on credit – banks have to lend to survive.

By now I am sure you realize that business credit is not just a matter of getting a Paydex score by apply to some vendors.  However, I can assure you that it can be done by most people.

Your mind set should be one of setting up a business like a business is set up.


read more CLICK HERE

I will assume that this is a new home based business. Do understand that lending institutions look at a home based business a little more carefully than usual. So you want to make your case (file) very strong.

Think about this, if you have a home based consulting business and a bank lends you money. How easy would it be for you to just pack up and leave – defaulting on the loan. So it stands to reason that you should choose a business that is viewed as low risk by lending institutions. This brings me to the subject of SIC codes.  SIC stands for  Standard Industrial Classification. Basically every type of business can be classified by these codes so different businesses reflect a different SIC code.

The main point is to choose a business that has a low risk SIC code. By the way, just this tip is worth its “weight in gold”. Many business credit consulting  gurus will tell you to classify your business as “General management” or “Business management” ,  a generic name. I really believe  that this will harm your efforts in the long run. The nature of the business — its corresponding SIC is a big part of developing a solid foundation for business credit development. Your aim should be to develop your business file so you can get CASH lines of credit without any personal guarantees. No Personal guarantees means that you should not have to use your personal credit for the purpose of getting business credit. Many will tell you that this is an impossibility in this economy. Well it is rare but not impossible. Plus remember that just because you are asked for your SS# does not automatically mean that your credit is pulled. I will go into that in detail later.

So what is a low risk SIC. Try to find out which types of businesses your state is giving grants/aid to. Follow the stimulus money. If the government is willing to help a certain type of business than you know that business has a “good” SIC code.

Make no mistake about it a good SIC code can make all the difference if you want great business credit.

Always remember, a good website designer does not automatically become a business credit expert/guru.

Please feel free to ask me any questions if you want further detail. I will expand on this specific topic if anyone has further questions. Otherwise we discuss the rest of the steps.