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Below, we have enumerated and discussed excellent tips that can help you manage your business reward credit card in the best way you can.

Spend within your means. Keep in mind that maxing out your business line of credit can have a negative impact not only on your business credit history, but also on your business finances. After all, spending beyond your credit limit will not just inflict severe damage to the credit profile of your enterprise. Such habit can also cost you a great deal of money in the form of overdraft charges and declined transaction fees.

So, as much as you can, use just a reasonable percentage of the credit limit set on your business credit card. Heed the advice of experts and use 25% to 30% of your spending limit. That way, you can build and eventually maintain a healthy credit standing. Furthermore, you can avoid paying pesky fees and charges which might eat up a significant portion of your working capital.

Keep up with your credit card bills. There are many benefits associated with paying your financial obligations on time. First and foremost, such habit can push your business credit score up and thus improve your financial prospects. Second, it can help you avoid incurring additional costs, like late payment penalties and surcharges. Third, it can help you build good working relationships with your card issuer, which you can fall back on should you decide to negotiate for better credit card features or to apply for account extensions for your business credit card.

Don’t let your earned points or rewards expire. Always remember that you cannot redeem rewards unless you’re willing to spend money by charging your purchases and expenses on your business line of credit. This means that each point you earn is actually attached to a monetary investment.

And so, it is very important that you know when to convert your points and redeem beneficial perks and incentives for your enterprise. That way, the cash you’ve spent to rack up points will not go to waste.

Pay your credit card charges, in full. Since business reward cards tend to carry higher interest rates than most non-reward programs then, it is very important that you settle your balance completely. By doing so, you can avoid making huge payments on interest charges.

Use your business reward credit card exclusively for business-related expenses. It is never wise to mix up your personal or household expenses with your business costs. After all, charging your personal or household purchases and bills on your business credit card, and using your personal credit cards to cover your business expenses will just complicate things, later on. In fact, it can lead to even bigger problems, especially when tax season comes.

So, you should resolve to use your business line of credit EXCLUSIVELY for the transactions you make, in behalf of your enterprise. At the same time, you should remember to use your personal credit cards ONLY for purchases and expenses you make for you and your family.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

Image(s): FreeDigitalPhotos.net

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In this post, we have listed and discussed three reasons that will surely convince you to look and apply for a business reward credit card, right away.

It offers excellent perks and incentives. As its name suggests, this business credit card comes with rewards that can definitely work to the advantage of your small shop or store. In fact, such perks can help your business save much on your usual costs and expenses.

For instance, do you frequently go on business trips to meet product suppliers or distributors? If you do then, we suggest that you take out and use a credit card that offers mileage and travel-related rewards. That way, you can eventually earn enough points to redeem a free flight with your preferred carrier, enjoy free accommodations in five-star hotels or inns, and have travel insurance every time you go on business trips.

Thanks to www.FreeDigitalPhotos.net for sharing this image.

Still, you should remember that these perks and incentives come with a price – a high interest rate. In fact, most business credit cards which offer rewards tend to carry higher rates of interest than most non-reward programs. So before you apply for one, make sure that your enterprise has sufficient funds to cover, not just your future card transactions, but also the interest charges which will come with them.

It can help simplify your records-keeping activities – that is, if you will charge all your business related-transactions on your line of credit. After all, your billing statements will list down all the purchases, bills and expenses paid using your business card account.

This means that you don’t need to save all the receipts, proofs of payment and financial records you will receive from your creditors, suppliers, and even from your utilities service providers. As long as you will use your business credit card to cover all the costs incurred by your commercial establishment, then records-keeping will eventually become very easy.

Business reward credit cards now come with excellent features. Business owners will surely marvel at the great strides made with business card programs. After all, these credit cards now have excellent features which will match the needs, spending habits and preferences of most businessmen.

For instance, it is now possible to apply for business account extensions to give your employees easy access to funds. What is good about this feature is that business owners, like you, are given the power to control when and where such card accounts can be used by your personnel. This way, you can be sure that the financial resources of your enterprise will be used exclusively for profit-generating activities.

Business credit cardholders are also given excellent payment terms and options that will suit the cash-flow of their respective shops and stores. For example, it is possible to defer payment of your credit card bills, especially when cash-flow is slow. That way, you can use the remaining funds you have for more important activities that will help stabilize your business finances. You can also choose a suitable liability clause, which will determine who’s responsible for paying the transactions charged on your business reward credit card.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

Image(s): FreeDigitalPhotos.net

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Image from www.FreeDigitalPhotos.net

In this article, let’s talk about how you, as a business owner, can help improve the credit score of your commercial establishment.

Clean up your business credit report. This is the first step towards improving the credit standing of your enterprise. Keep in mind that a single error in your business credit report can inflict severe damage to the credit history of your business. Not only that. An incorrect entry can also drive away lenders and card issuers, and limit the financial prospects of your small shop or store.

So, find time to order copies of your business credit file. Take the time to examine the transactions listed on the documents you will receive. And make sure that all the items are correct and up-to-date. In case you find an outdated or a fraudulent account immediately report it to the firm that issued your business credit report. That way, the employees of the firm can immediately investigate your claim. If they find out that your credit dispute is valid then, you can soon receive a more credible document that you can use in drawing up an action plan to improve your business credit score.

Stick to your due dates. There’s no better way to manage credit accounts other than paying your dues on time. Always remember that by making on-time credit card or business loan payments, you can avoid incurring penalties and surcharges which might eat up a huge portion of your working capital. Moreover, such habit can help you build strong working ties with your card issuer or lender, which can help you qualify for lower interest rates and more flexible payment terms, later on.

Pay your financial obligations in full. As much as possible, settle your card balance completely, each month. Not only will this have a positive impact on your business credit standing. It can also help you minimize the payment you make on interest charges.

Pay close attention to your credit transactions. Read very carefully your business credit card billing statements. After all, this is the only way for you to immediately detect when your business credit card information has been compromised. Furthermore, this will help you see where the financial resources of your enterprise are being spent – which is important for you to make sound business decisions.

Limit the number of business credit accounts you manage. Your business credit score actually drops every time your business credit file gets pulled out in response to a credit card or a loan application. So it is never wise to submit multiple applications at the same time. Instead, we suggest that you consider what your prospective lenders and card issuers are offering. This way, it will be easier for you to pick and soon apply for a suitable credit program.

Managing multiple credit accounts also increases your risk of incurring unnecessary debt which can push you down into debt traps. So try to limit the number of business lines of credit you handle.

Make sure that your lenders and card issuers are submitting timely reports to the credit bureaus. If they don’t, then all the time and effort you have invested to improve your business credit score will be in vain. This means that you should closely monitor your credit and payment transactions. And see to it that they are all reflected in the latest copies of your business credit report.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

Image(s): FreeDigitalPhotos.net

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Special Thanks to http://www.freedigitalphotos.net.

In the paragraphs below, we have listed and discussed several things entrepreneurs should always remember, in terms of taking out and managing loans for business financing purposes.

The approval of your application will greatly depend on your business credit profile. In fact, some lenders might depend entirely on your business credit history in evaluating your request for funds. This means that if you wish to receive the best and most affordable offers, you should help your business build and maintain a solid credit profile. But how?

Well, you simply need to stick to responsible credit habits. For instance, make sure that you settle all your financial obligations – such as your utilities, accounts payables, and rent – on time and in full each month. That way, you can avoid making huge payments on interest as well as on penalties for payment delinquency.

You should also avoid filing multiple business loan applications, at the same time. Keep in mind that your business credit score drops each time the credit report of your enterprise gets pulled out in response to a request for funds.

So, instead of filing several applications with different lenders, we encourage you to compare first what each firm offers. Then, after careful consideration, apply for the credit program you think is the best.

Loans come with different features. Small and start-up business loans are not made one and the same. They often come with various rates of interest, fees and charges, loanable amounts, payment terms and options and even eligibility requirements. And what may seem suitable to one business owner may not be acceptable to another.

This is why we encourage you to take the time to shop and compare various loans. Pay close attention to their features and try to compare them with what your business needs and with what it can afford. In so doing, you will most likely take out a credit program that matches the financial capability and requirements of your enterprise.

Making complete and on-time loan payments can work to the advantage of your commercial establishment. There are plenty of benefits associated with keeping up with your payments. As was mentioned above, such habit can help you save a great deal of money on interest charges as well as on pesky fees. It will also help you build and maintain an excellent credit standing for your shop or store. And, most importantly, it will help you build strong working ties with your lender, which you can use should you decide to negotiate for lower rates or for better and more flexible payment terms.

There are tools that can help you remember when your payments are due. A lot of business owners today find it difficult to remember when their small or start-up business loan payments are due. If you have the same problem then, you can always rely on tools that can help remind you when to make a payment. For instance, you may set up personal alerts in your mobile phone or mark your personal or business calendar with your payment schedule. You can also sign up for automatic payment arrangements with your bank. Through this special arrangement, you won’t have to worry about missing out or defaulting on your financial obligations. After all, your bank will manage them on your behalf.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

Image(s): FreeDigitalPhotos.net

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Image from www.freedigitalphotos.net

Today, we have decided to discuss with you effective ways by which you can manage your business credit card.

Pay your credit card bills on-time and in full. There’s no better way for you to manage your business line of credit other than making complete and prudent payments of your credit card charges. Always remember that such habit will not only help you save a great deal of money on interest payments as well as on late payment penalties. It can also help you build and maintain a solid credit profile for your enterprise. In fact, it can even strengthen your working relationship with your card issuer and open doors to better financial opportunities, in the future.

If you find it very difficult to remember when your payments are due then, we suggest that you set-up personal alerts in your mobile phone and mark your calendar with your due dates.

Take the time to examine your billing statements, as well as your business credit report. After all, this is the only way for you to immediately detect if your credit card information has been compromised.

In case you stumble upon an unauthorized charge made on your card account then, try to validate it first using your business receipts and proofs of payment. If you find out that the transaction is made by an unauthorized party then you should immediately write and send a letter of credit dispute to the firm that issued the questionable document. By doing so, you can alert the employees of the card company of the credit bureau to conduct an investigation on your claim. Furthermore, you won’t be held accountable for the credit card charge you never made.

Use just a reasonable percentage of your credit limit. Never max out your business line of credit. After all, spending beyond your credit limit will not only pull down your business credit score. It can also cost you huge penalties, in the form of overdraft charges and other relevant fines.

This is the main reason why we encourage business owners like you to use just a quarter or a third of their spending limits.

Use your credit card only for business-related expenses. It is never wise to use your business credit card to finance your personal or household needs and expenses. After all, this will only complicate things especially when tax season comes. In fact, you might even find it very difficult to identify which expenses and bills should be deducted from your business income tax and which costs should be slashed out from your personal income tax.

So to avoid problems, we encourage you to use your business card account EXCLUSIVELY for the purchases, expenses and bills incurred by your enterprise.

Manage at most two business lines of credit. We also discourage you from taking out more than two card accounts. Keep in mind that managing multiple lines of credit is very risky as it can push you down into debt traps. So, it is very important that you limit the number of business credit cards you use to at most two.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

Image(s): FreeDigitalPhotos.net

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Below, we have discussed four excellent tips business owners can use in applying for start-up business loans.

Order and examine your annual credit report. Since your business is yet to establish its credit profile then, for sure your prospective lenders will look into your personal credit history. In fact, they might even rely on your current credit rating to properly assess your loan application.

This means that if you wish to improve your chances of being granted the funds you wish to use for business financing then, you should see to it that your annual credit report is spotless. Make sure that your credit file does not contain outdated accounts, fraudulent charges and other negative items which might compromise your chances of qualifying for an affordable business loan.

In case you find an entry which could have a negative impact on your credit standing, we suggest that you write and send a credit dispute letter to the bureau that issued the document. By doing so, the employees of the firm can immediately conduct an investigation on your claim. And should they discover that your credit dispute is valid then, you will soon receive an updated credit report that you can use in applying for the line of credit you wish to take out. 

Secure your business loan. One strategy that can help boost your likelihood of being granted business credit is by offering collateral against your loan. Consider which personal asset, like your car, a real estate property, business shares and even family heirlooms, like jewelries, which you can offer to your target lender to guarantee the repayment of your credit account. Then have it appraised to know the rate of interest and loan features that it might fetch from banks and business lenders.

An important reminder, though. The risk of losing your valuable properties to repossession is very high, especially with secured credit accounts. Thus, you have to keep up with your monthly payments for you to maintain ownership over your valuable assets.

Look for a co-signer. You can also approach a close friend or a relative and ask him/her to co-sign your application for a start-up business loan. Always remember that the high credit score of your co-signer can compensate for your poor credit rating and improve your chances of being granted the funds you need.

Still, you should remember that your chosen bank or lender will go after your co-signer in case you default on your monthly dues. So to avoid causing huge problems to your close friend or immediate family member, you should resolve to stick to the terms and conditions of your small business loan.

Come up with business plan. Some lenders might require you to make a business presentation to help them evaluate your loan application. After all, they wish to guage the profit potential of your business idea so that they can come up with a suitable loan package for your enterprise.

Now, to get the funds you need it is very important that you develop a well-researched and factual business plan. To do this, you must conduct a thorough research on your target market, especially on their demographics, their lifestyle choices and their spending habits. You should also come up with financial projections that are based on your market study. That way, you can easily convince lenders and even interested parties to invest in the business you wish to build.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

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If you’re looking for pointers you can use to build a solid credit profile for your enterprise then, we suggest that you pay close attention to the paragraphs below. We believe that through the following tips, we can help you succeed not only in establishing but more importantly in maintaining an excellent credit history for your small shop or store.

Apply for a line of credit. Keep in mind that you can never jump-start the credit history of your enterprise unless you’re willing to apply for and use a credit program – either a small business loan or a business credit card account. So why not apply for one today? By doing so, you can pave the way towards building a credit profile for your business which you can fall back on in case you need to get additional funds for financing the needs of your enterprise, later on.

A gentle reminder, though. Take the time to examine the financial capability of your small business before you start shopping and applying for a loan or for a credit card. In so doing, you will know if your enterprise can really afford to pay back the funds you wish to borrow or to settle the transactions you’re planning to charge on your business card account.

Keep a tab on your credit transactions. That way, you can easily determine where the financial resources of your business went, as you go about with your day-to-day profit-generating activities.

If you wish to keep all your credit transactions in just one account, we encourage you to use your business credit card to cover all the costs and expenses incurred by your shop or store. Since most card issuers today release monthly billing statements to their cardholders, you can look forward to receiving detailed reports of all your credit transactions. And with such reports, for sure, bookkeeping and financial accounting activities will be a lot easier, for you and your staff.

Keep up with all your payments. Credit bureaus are not only monitoring your credit accounts. Some might also consider your transactions with product suppliers, utilities providers, and other vendors in coming up with your business credit score. So, it is very important that you settle all the financial obligations of your enterprise completely and prudently.

If you find it difficult to remember your due dates then try to use tools that will help remind you when a payment must be made. For example, set-up personal alerts in your electronic devices; mark your calendar with your payment schedule; or sign up for automatic payment arrangements. In so doing, it will be easier for you to stick to your due dates.

Don’t file multiple loan or business credit card applications, at the same time. After all, such habit might pull your business credit score down and make you look desperate, particularly to your target lenders. So instead of submitting several applications to different banks and business lenders, try to consider first what each firm is offering. Then, narrow down your options by comparing the rates and terms imposed on various lines of credit. In time, we guarantee that you can pick and apply for a loan or for a credit card that will perfectly suit the needs of your enterprise and meets your personal preferences.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

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If you’re planning to build your business in the next few months then, you’ll surely benefit from reading the paragraphs below.

2 Things You Should Keep in Mind

The approval of your loan application will depend on your personal finances, your credit history, and your business plan. Since your business does not have a credit profile yet, then prospective lenders will surely be interested on your current credit standing. In fact, some might pull out your annual credit report and use it in evaluating your application for a business start-up loan.

This means that before you start shopping and applying for credit programs, you need to examine first your credit file. Order copies of your credit report from Equifax, Experian and TransUnion. That way, you will have the opportunity to determine what your credit score is, which is important in assessing your chances of being granted the line of credit you need. Moreover, this will give you time to examine the accuracy of the transactions listed on your credit file. After all, a single error in your report can drive away lenders and probable investors as well as ruin your chances of qualifying for the loan you wish to use for business financing.

Your financial capability will also be considered in the evaluation of your loan application. Credit firms will look into your personal finances to see if you can really afford to pay back the funds you wish to borrow. So to be fully-prepared, we recommend that you prepare your financial documents. Get copies of your income tax returns for the past two to three years, certificates of employment, proofs of financial capability, certificates of ownership, and possible assets that you can offer as collateral for your business loan.

In some cases, a prospective lender or investor might also require you to present your business plan. After all, such important presentation will give him/her the chance to see if your business concept has profit-potential. So to prepare for this crucial meeting, we suggest that you conduct a thorough research on the enterprise you wish to build. And make sure that your findings and financial estimates are all backed-up by facts. That way, you can easily convince credit firms and possibly angel investors to grant your request for funds.

Beware of predatory lenders and scammers. A lot of business start-up loan applicants today got ripped off by the schemes and illegal activities of fraudsters. Meanwhile, some entrepreneurs had to settle for credit programs with extremely high interest rates and very stringent payment terms. This is because they bought the idea that first-time business borrowers can never qualify for affordable loans.

To avoid such problems, we suggest that you take the time to shop and compare the business loans offered in the market. Research on the prevailing rates and terms of lines of credit offered to first-time entrepreneurs like you. That way, you can avoid signing up for credit deals you can’t afford to pay back.

We also recommend that you run background checks on the firms you wish to deal with. Take a close look at the history, track record, and accreditation of the lender you wish to do business with. By doing so, you can improve your chances of finding not just the right loan but more importantly, a legitimate and credible firm that can give you what you need.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

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In this post, we have listed and discussed several tips that can help you maximize the benefits you enjoy from your business credit card.

Great Tips for Business Cardholders

Pay your bills on time and in full, each month. If you don’t want to incur pesky fees and charges like huge interest payments or late payment penalties then, it is very important that you stick to your due dates. Make sure that you pay your credit card bills completely and prudently. If you find it difficult to do so then you can always set up personal alerts in your mobile phone or mark your calendar when the financial obligations of your business are due. That way, you can easily remember when your credit card charges must be settled. Moreover, you will have more than enough time to prepare the funds necessary for you to make complete and on-time payments.

Keep in mind that there are plenty of benefits associated to keeping up with your due dates. By making prudent and complete payments you can build and maintain an excellent business credit profile. At the same time, you can establish strong ties with your card issuer which you can use in negotiating for better payment terms or for lower rates of interest, later on.

Monitor your earned points and rewards, especially if your business line of credit comes with perks and incentives that will surely work to the advantage of your enterprise. Always remember that credit card rewards today tend to have expiration dates. And if you won’t pay close attention to your earned points, they may eventually lose their value.

So, take note when your rewards will expire. And if possible, ask your card issuer to send you regular alerts regarding your earned points and their corresponding incentives, as well as the expiration dates imposed on your perks so that you can redeem them before they vanish into thin air.

Charge all your business-related expenses on your line of credit for more efficient records-keeping. After all, most issuers today provide monthly billing statements to their cardholders. So, by using your business credit card to pay for the expenses and bills incurred by your enterprise, you can keep all your transactions in just one account. And you can look forward to receiving a detailed report of all your credit card charges, each month, which is very important especially in preparing for the annual income tax of your small business.

Apply for account extensions especially if you manage several shops or stores. This way, you can grant your personnel easy access to funds which it can use to finance urgent business needs and emergencies.

What is good about these account extensions is that you, as the business owner, have the power to control where and when the lines of credit can be used by your workers. That way, you can be sure that your business finances and capital will be used exclusively for income-generating activities as well as for covering the purchases, expenses and bills of your enterprise.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

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In this post, we have enumerated things small business owners, like you, should do to responsibly manage the credit programs they took out.

Practical Advice for Business Loan Borrowers

Use the proceeds of your loan, wisely. It might be tempting to use the funds you will receive for your personal needs or for other less important business expenses. Still, you need to stick to the original purpose of your small business loan. After all, there might be less credit opportunities for your business, in the future.

So, see to it that you use the lump-sum you’ll receive for its intended purpose. And in case there’s a surplus, use it to reduce the principal amount you borrowed from your lender. In so doing, you can significantly decrease the loan payments you have to make each month.

Stick to your payment schedule. Keeping up with your due dates will not only help you avoid incurring late payment penalties and surcharges. More importantly, it will help you establish good working relationships with your lender, which you can fall back on in case you decide to negotiate for lower interest rates or for more flexible payment terms, later on.

Always make complete payments. The main reason why most business owners shell out way too much funds on interest charges is because they don’t pay their monthly dues in full. A majority of entrepreneurs today only pay the minimum amount required by their lenders. But little did they know that such decision can cost them a lot, in the form of huge interest charges.

To avoid this problem, we suggest that you make complete loan payments, all the time. In so doing, you can save a great deal of cash on your interest payments, which you can eventually allocate for more important business purchases and expenses.

Don’t throw away receipts, and other proofs of payment. After all, you might need them for disputing errors or incorrect details in your business credit report. Keep in mind that by enclosing relevant documents to your credit dispute letter, you can help speed up the investigation that the credit bureau will conduct based on your claim. So, make sure that you keep all your business financial records intact and in a safe place.

Order copies of your business credit report, once you have completely paid off your small business loan. That way, you can see how your responsible credit habits helped you build a strong credit profile for your enterprise.

But suppose your credit report reflects a credit score that is way lower than what you were expecting. What should you do then? In such situation, you need to review all the transactions – credit and payment – that are listed on your business credit file. Then, try to validate the accuracy of each item by looking at your financial records. If you discover that there are incorrect payment records or fraudulent charges in the documents then, file a letter of dispute with the bureau that issued your business credit report. Then, wait for it to respond to your claim. If it discovers that your credit dispute is valid then, you can soon receive the results of their investigation, plus an updated credit report of your enterprise.

About the Author

Matt Nguyen is an online entrepreneur and a regular contributor of buildingbusinesscreditblog.com and several other online business journals. He has written articles primarily on how to build credit for new businesses. That includes using business loans, leases, and credit cards to build a high business credit score. To read more of his articles please visit http://www.buildingbusinesscreditblog.com.

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