Business credit, funding, and money know-how from Ebony Credit Solutions.
Business and personal credit are separate files, but personal checks, guarantees, and issuer reporting can link them. Here is where they connect and how to keep them apart.
Does Business Credit Affect Personal Credit? Read More »
Fuel is one of the few expenses that shows up every week for a business with vehicles, and it is also one of the easiest to lose track of. Receipts get lost, personal fill-ups land on the company card, and nobody can say what the vehicles cost to run. Fuel cards exist to fix that
Fuel and Gas Cards for Small Business (and Fleet Credit) Read More »
Most business funding asks the same thing of you every month: a fixed payment, due on a fixed date, whether sales were strong or slow. For a company with uneven revenue, that fixed payment is the part that hurts. Revenue-based financing was built around the opposite idea. You repay as a share of what you
Revenue-Based Financing: Funding Without Fixed Payments Read More »
How to remove late payments from your credit report: which lates you can dispute, when a goodwill letter works, and how to rebuild while an accurate late ages off.
Late Payments on Your Credit Report: Fix These 7 Issues Read More »
Search for credit repair advice and you will find the 609 dispute letter presented as a secret. The pitch is consistent: cite Section 609 of the Fair Credit Reporting Act, demand that the bureau produce the original signed contract behind an account, and when it cannot, the item has to come off your report. Templates
609 Dispute Letters: What Works and What’s Myth Read More »
Spend an hour reading about business credit and you will run into the tiers. Tier 1 vendors, tier 2 store accounts, tier 3 fleet cards, tier 4 cash credit. The language is everywhere, it sounds official, and it is repeated so confidently that most owners assume there is a rulebook behind it. There is not.
Business Credit Tiers: Tier 1 and Tier 2 Vendors Explained Read More »
There is no separate loan product called a minority business loan. Here is the real map of SBA programs, CDFIs, contracting set-asides, grants, and what actually gets you approved.
Minority Business Loans and Funding: The Real Options Read More »
Your business has a Dun & Bradstreet file whether you have looked at it or not. Suppliers pull it before handing you terms. Lenders pull it alongside your bank statements. Procurement teams pull it before adding you to an approved vendor list. Nobody tells you they looked, and nobody tells you what they saw. Consumer
Your Dun & Bradstreet Credit Report, Explained Read More »
Hard inquiries are the most feared and least understood line on a credit report. People see a list of them, assume each one carved points off their score, and go looking for a way to delete them. Most of the time, the inquiries are not the problem. The CFPB’s explanation of credit inquiries draws the
Hard Inquiries on Your Credit Report: Fix These 6 Issues Read More »
Rent is the largest payment most people make every month, and for most renters it does nothing for their credit score. You can pay on the first of the month for ten straight years and still be told you have no credit history. That is not a glitch. It is how the reporting system was
Does Paying Rent Build Credit? Rent Reporting Explained Read More »