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What's Up with My Credit?

A credit insider gives expert counsel on how to navigate business and personal credit complexities to build your credit scores and long-term credit successes.
lynette denike_80 Lynette DeNike
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Latest Posts

Why Customer Loyalty Is More Important Than Ever
November 06, 2009, 1:40 PM
Answers to revving up income and fending off competitors can be found in ways you demonstrate customer care.

New Bank Fees: What Recourse Do You Have?
October 30, 2009, 12:15 PM
Banks are suddenly charging new fees. Here's how to protect your business and your financial well-being.

Use the Power of Marketing to Secure a Loan
October 23, 2009, 3:10 PM
Competition for loans is ferocious, so it may take marketing to get on the good side of your lender.

How to Stabilize Your Micro-Business, Part 2
October 16, 2009, 8:05 AM
Five easy tips to set-up basic business finances plus insights into establishing business credit can help you create a solid financial foundation.

How to Test Your Micro-Business Idea, Part 1
October 09, 2009, 11:50 AM
Before you move forward to start a new business, consider these ideas and concepts to build a solid business foundation.

How Your Business Can Compete in a Sale-Saturated Market
October 02, 2009, 2:25 PM
In credit crunched times, demonstrate a unique understanding of your customers' needs by offering services that communicate your customer care.

Don't Talk to Your Credit Card Provider
September 25, 2009, 12:00 PM
Banks behaving badly is becoming the theme of major financial institutions. Know what could happen before your actions produce unintended consequences.

The Health Insurance Debate: Enlist Your Employees' Help
September 18, 2009, 1:30 PM
While the health care reform debate rages, businesses still have to figure out how to shoulder insurance costs. Take these steps to involve employees in cost-cutting and juggling the company's obligations.

Questions to Probe Your Inner Entrepreneur
September 11, 2009, 12:00 PM
As total unemployment hits 55 million, what steps will you take to unleash your talents and construct an individual path out of your personal recession?

Will the Recession Release Your Inner Entrepreneur?
September 04, 2009, 12:40 PM
Unemployed can mean the beginning of exciting opportunities.


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Latest Comments in What's Up with My Credit? posts

Lynette,
Your tips are generally good but lack a real test of the business idea. There is no way around market testing a business idea. The aspiring entrepreneurs should talk to potential customers to receive feedback on the business idea. They should get a sense of the patterns of feedback and whether their idea resonates with the customer. When the customer says the business idea will solve their problem, then they can move on to the preparation you describe. Hopefully Part 2 of this post can incorporate some of this.
By: Shawn Winkler-Rios on 10/26/09 at 8:01 AM
How to Test Your Micro-Business Idea, Part 1
Yes. We should rather not talk to the creditor for sometimes it just brings us no good. For sometimes they take advantage when we reach out for them truly, today it is hard to find someone whom you could trust. It is rare to find a lender that prioritize the concerns of the their clients. We all struggle with finances from time to time, due to a sudden expense or a miscalculation, and that's when a payday loan can come in handy. A payday loan is just a small loan with a financing charge that's due back on your next payday. They can be better than using credit cards or deciding not to avoid overdraft charges, and unlike overdrafts or credit cards, they don't affect your credit rating. It's a way to kind of save money, when you need some money. A payday loan can help you out during lean times, but a loan until payday is like any other financial instrument ? they have to be used with care, restraint, and with responsibility.
By: kevinn on 9/28/09 at 3:56 AM
Don't Talk to Your Credit Card Provider
You list Equifax in your list of sites that are "not the place to go," then later you say the opposite: "Because Equifax is the only CRA providing FICO scores directly to the public and their Credit Watch Gold product has an excellent reputation, that would be a wise choice for keeping tabs on your credit."

So why should we trust your list of bad sites?

You also say "The scores sold by Experian and TransUnion are commonly referred to as FAKO scores because they are frequently inflated and these are not the scores that businesses use to decide whether to extend credit to you," but this is not true. When applying for a loan, lenders in my experience are interested either in the middle score or the low score.

These two problems with your article make me skeptical of the entire thing.

Also, you're off base in saying ...
By: Auditor on 8/11/09 at 12:10 AM
How to Avoid "Free Credit Report" Scams
Lynette, if something seems "too good to be true," it usually is. Trader Joe's remains the largest U.S. grocer operating on a nationwide scale that refuses to substantively respond to Greenpeace inquiries regarding its seafood sustainability policies and practices. Check out the site Traitor Joe's, which details the company's environmentally destructive business practices: http://www.traitorjoe.com/

...
By: diego on 7/31/09 at 6:10 PM
Twenty Ways to Preserve Your Style While Saving Money
To find a best attorney is not difficult today, there are lots of site are available and that give the information for well qualified and knowledgeable lawyers. People who are willing to take the help from best attorneys can also contact online. People can collect all the necessary information from the net and they can also ask any sort of query from these legal lawyers. All these attorneys offer many other best and effective facilities to the needed people.

http://lawyersindemand.com/
...
By: Best Attorney on 6/10/09 at 1:15 AM
Find an Attorney and Drive Up Your Credit Score

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