Lexington Law, Could Credit Repair Service Be So Bad? http://BusinessCreditAmerica.com

Choosing a good reputable credit repair company is a challenging task.  I've been in the collection industry for a long time, and seen credit repair come and go.  These companies guarantee to repair your credit and once you become a customer it's hard to have good communications with them.



This lack of direct communication from credit restoration company is one of the biggest issues for clients.  It's seems like they have clients on a waiting list as if they were some type of ill patient.  I truly can not understand what's so hard about have a staff member call you up to discuss your file as long as you're in their program.

Small acts like this is what discredits this niche from have a positive attitude when trying to seek help.  I myself had been one of those desperate clients looking for a reputable credit repair company to help me at one time.  I've talked to other people that have tried other services such as Lexington Law and to only find out their were less professional and less responsive when it comes to communicating with clients about their credit files.

Most of us take the title of the company such as Lexington Law to be meaningful in helping struggling clients.  However, when they join their program, they soon become disappointed with the services. Lexington Law is marketed very well and they have had plenty of success, but many people that I have recommended to other companies were very dissapointed in the service.

People have stated they been in their credit program for over 2 years and had not seen any results but continue to pay their monthly fee.  I've asked, why did they stay so long and their reply was that they thought this company was a law firm and that they assumed they would get better results then any other credit restoration company.

I could understand how the title of the company could be misleading, but customers really need to look beyond the name.  I'm going to share with you a few characteristics you should look for in a credit repair company.

• The credit repair company should be using 2 sets of laws.  They should be using the FDCPA laws for dealing with the creditors and the FCRA when dealing with the 3 main credit bureaus (Equifax, Experian, and TransUnion.)
• They should offer you a monthly consultation to bring you upto date on your credit file
• You should be able to have a skype conference
• The should be offering you an Escrow service to make payments through
• They should be recommending to you things that you yourself could do to help rebuild your credit.

A true credit protection company does not offer a cookie cutter approach to restoring a clients credit, because they understand everyone's situation is different.  I hope you find this article to be of some benefit to you.
If you're currently looking for a credit repair service you may want to check out http://GoodCreditUnion.com


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LegalZoom It's Just A Title. http://BusinessCreditAmerica.com

Many of us feel that any company that has a legal term in the title is a good company to use for our business purposes.  We feel that they will offer us a superb customer service and guidance.  The title of these companies make the average client feel they're getting the best service for the money.
Unfortunately, this is not always the case, especially when you're dealing with business documentation companies like Legal Zoom.  They offers a business registration services for business owners.

However, their service offers the minimum preparation and registration for a business.  They just go online to the secretary state website and register the company as an DBA, LLC, Corporation or S-Corporation.  This is the basics of their business registration and also charge you a yearly fee to be your registered agent.

The problem with Legal Zoom business services is that their customer service representatives don't know the full basis of registering a business.  I've spoken with several of their clients that had been advised wrongly about which business structure they should be using.  These were customers that though this company's title gave them the perception they were dealing with a competent staff when it handling business affairs.

Being in the business service industry for some years now and always educating myself on business setup and registration.  I'll go over a few of the main things a client show be looking for in a business registration company.

• Does the company offer some kind of do it yourself literature on how to register a business?
• What are the full cost associated with business registration service?
• Does the registration service offer the following services to go along with the service, such as registering with 3rd party data bases, social media setup, cataloging, backling and indexing the comapny so creditors could find the company online.
• How does the company help you build a relationship with Dun and Bradstreet.
• Do you have to use their Registered Agent.

These are some great qualities of a companies that understands a customers need when it comes to business registration.  Don't get me wrong I'm sure Legal Zooms Staff mean well, but if I were you I'll think twice before allowing them to register your business.

If you want to learn more on how to register your business properly check out http://BusinessCreditAmerica.com



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Business Credit America: Stop Collection Calls at Work http://BusinessCredi...

Business Credit America: Stop Collection Calls at Work http://BusinessCredi...: As a veteran bill collector with over 10 years of collection experience, I’ve learned a lot about the FDCPA and FCRA laws.  Because I ...

Stop Collection Calls at Work http://BusinessCreditAmerica.com

As a veteran bill collector with over 10 years of collection experience, I’ve learned a lot about the FDCPA and FCRA laws.  Because I know the laws and many consumers don’t I’m at liberty to violate your rights.  That’s, how most bill collectors think, but I’m going to give you some at vice that you can use to fight back.

I understand it’s embarrassing when a bill collector contacts you at your place of employment or even worst your neighbor and tell them that you have not paid your bills.  We all have had a financial challenge at some point that we just was not able to do anything about.  This does not make us a bad person because we’re not able to pay our bills.  There could been some very valid reason for not being able to pay the bills such as loss of job, illness, loss of support from a spouse, or legal issues.

There are so many valid reasons but unfortunately bill collectors are trained not to listen or feel any sympathy for debtors.  The truth be told, many bill collectors have bad credit and are hiding from other bill collectors.  You talk about a pathetic group of people that want to point out your misfortune.  They, themselves should be embarrassed to call and bereave anyone.

Also I must mention one of our partnering companies purchases credit dept portfolio, so what I’m going to share with you has a lot of validation.

Let’s look at how to properly handle a bill collector.  You’ll need a pen, paper, and a recorder(use the one on your smart phone).  You’re to follow these steps.
First time a bill collector contact you, you’re want to state to them following information.

• You going to be recording the call to it’s entirety.  You’ll have the conversation transcribe and you’ll be using it for your court records.  If, they agree then you’ll ask them the following questions
• You need to know what company they represent, the name and direct phone number for the CEO, CFO, and MANGER of the company.
• You want the state the company is registered in as well a s the collection license number they have to collect in your state.
• You need a physical address for the company
• You want their name, their employee number
• You want them to provide you with the original creditors info
• you need them to tell you the original amount you owed and the first delinquency date

I know this seem like a lot of info but you need this info for court record purposes.  Doing these necessary steps will not only protect you but also may get them to stop reporting this negative item to your credit.
If, you decide you don’t want to deal with the bill collectors period check out http://GoodCreditUnion.com

Small Business Financing http://BusinessCreditAmerica.com

If you’re an entrepreneur or veteran in your business, and you’re finding it difficult to borrow money, then you may need to look at the foundation of your business. It’s unfortunate a lot of financial institutions loan officer do not have the knowledge to help you qualify for funding.
As a business owner for over 10 years, I am very familiar with the stress that comes about when you need money either to expand your business or just trying to make payroll. I discover 4 years ago about business credit, and I took all my free time to learn as much as I could about it. Many used this method to acquire funding, because their personal credit was destroyed.

A few things that I learned from studying business credit was that in order to obtain funding you must have a strong business foundation as well as good personal credit. Although, those facts made since, it made me feel discourage and uncomfortable, but as I educated myself more and took action, I felt a sense of relief.

I’ll like to share with you those steps I took to build up the foundation of my business in this outline.

 1st you must pick a favorable lending code. In the business world they call it SIC CODE or NAICS CODE. I made a video explaining these terms on my youtube channel on my website http://BusinessCreditAmerica.com.  Some of the favorable lending codes with be the following niches such as technology, education, retail, wholesale, and telecommunication.

  2nd step to building the foundation of your business is the structure of the business. Banks and Credit Unions are biased to the structure of the business. The majority of business owners are focused on either a S-Corporation or an LLC. However, banks favor C-corporations, because it’s look at as an entity that can vouch for its own credit, built up correctly. Another reason the C-corporation is preferred is because you can raise capital by issuing stock in the company.

 3rd step in building the foundation of your business is the registration of the company online. There are several avenues you need to take when registering your business. You would start with the business credit bureaus. These would be Experian business, Equifax business, Credit.net, and Dun and Bradstreet. Once you’ve register with those, you move on and register with the government systems like, Sam.gov, ORCA, MBA, and SBA. After, you’ve completed those you’ll register with the top search engines like google, bing, yahoo to name a few. The purpose of doing all of this registration, because this acts as a third party verifier. I discuss more of this in my ebook THE INSIDER BANK SECRETS.

 4th step in obtaining business funding is opening up 3 business bank accounts (checking, savings, and expense). By opening these accounts, you are establishing a relationship with the banks as well as building business credit with the credit bureaus. In my ebook I teach you how to make a small budget go a long way when building a good business relationship with the banks.
If you wish to learn more tips and secrets on how to build business credit to obtain funding join our community and forum at http://BusinessCreditAmerica.com.