Personal Credit

Did you know that you could have credit scores in the low 600s even if you never missed a bill payment in your life? That's because your payment history is only 35% of your credit score. How to Boost Your Credit Score 100+ Points in 30 Days Without Credit Repair will show credit industry secrets for maximizing the other 65%. The best part is you will see real results in just 30 days.

Building Business Credit with EIN Only A Structured Guide to Establishing Vendor Credit, Net-30 Accounts, and Scalable Business Financing — Without Personal Guarantees Building business credit is not about rushing applications. It’s about becoming fundable. In Building Business Credit with EIN Only, Gerald Lacey, MBA, MSSCM delivers a clear, disciplined approach to establishing business credit the right way — without relying on your personal Social Security number. This is not a “get-rich-quick” manual. It’s a practical framework for entrepreneurs who want to build sustainable, ...

You are only one secret away from becoming a multi-millionaire. Perhaps one of the biggest secrets in why the rich get richer is their access to something called OPM or Other People’s Money. But what the Average Joe doesn’t realize is that they too can have this same type of access to OPM as the rich do. They just need to understand the precise system behind exactly how to gain access to it. Of course, you must understand something critical before you get started in accessing this type of unsecured cash. This money needs to be used to build wealth whether you’re using it for investing...

Build Business Credit Under Your EIN — Without Risking Your Personal Credit If you're using personal credit cards to fund your business… You’re building risk — not leverage. Most entrepreneurs never learn how to separate their personal credit from their business identity properly. They rely on personal guarantees, expose their Social Security number, and limit their long-term funding capacity. There is a better way. Build Business Credit with EIN Only provides a structured, step-by-step roadmap for establishing business credit under your EIN — without relying on personal ...

Build Business Credit Fast — Without Using Your Personal Credit. EIN Unlocked is the essential 2024 guide for entrepreneurs, gig workers, freelancers, and small business owners who want to establish legitimate business credit using an Employer Identification Number (EIN). Whether you’re starting from zero or repairing your business profile, this step-by-step handbook shows you exactly how to turn a brand-new business into a fundable credit-ready company. Inside, you’ll discover the latest vendor accounts, approval pathways, and reporting strategies designed to help your business gain ...

NEW 2025 EDITION — Updated with Post-Pandemic Funding Insights and EIN-Only Credit Strategies for Entrepreneurs Are you ready to build real business credit without using your Social Security Number? In this powerful guide, business strategist Gerald Lacey, MBA, MSSCM reveals a proven step-by-step system to help entrepreneurs and gig workers secure 5–10 business tradelines in 30 days — all under their EIN. Inside you’ll discover how to: Build your business credit profile with Dun & Bradstreet, Experian, and Equifax Business Open vendor accounts that report — even with a new ...

If are looking to improve your credit and take your finances to the next level, this audiobook will show you exactly how to do just that. Understand the journey to credit score so that you don't have to make mistakes that you'll regret in the future. No matter what stage you are in your life, you can always get it right with the right information. This audiobook is for anyone who want to understand all aspects of the credit score, from the differences between the various scoring models, to how they're calculated.

Unlock Business Credit with D&B Reporting Accounts A Comprehensive Guide to Building Strong Business Credit Are you ready to establish and grow your business credit without relying on personal guarantees? Unlock Business Credit with D&B Reporting Accounts is your step-by-step roadmap to financial independence for your business! Why This Book? Navigating the world of business credit can be overwhelming, but with this expert guide, you’ll learn how to: ✅ Leverage Dun & Bradstreet (D&B) Accounts to build a strong credit profile ✅ Get approved for high-limit business credit cards and ...

Many businesses struggle because they can’t access the funding they need to grow. Don’t let this happen to you! This complete insider’s guide will teach you the exact steps for easily obtaining business credit using an EIN instead of your SSN, while boosting your business credit score and profile in the process. This will ensure your business can grow quickly without putting your personal assets at risk.

This book will discuss five easy approval business credit vendors and Net 30 accounts that report to Equifax commercial. If you've been looking for ways to improve your Equifax business credit score, then this book has the information you've been searching for.

Do you want your teen to learn good financial habits and make sound money-making decisions? Do you want your teen to take control of their money? Are you concerned that your teen lacks the knowledge and skills needed for a successful financial future? You're not alone if you answered “yes” to these questions. Many teens and parents share the same concerns, and this book will change that. "Finance and Money Skills for Teens, by JB Harris, is your ultimate companion to building a solid financial future. Crafted with an engaging and relatable approach, it’s a straightforward guide ...

Are you drowning in debt with no idea how you’ll ever break free? You’re not alone—but you don’t have to stay stuck. Every day feels like a battle—robbing Peter to pay Paul, dodging phone calls from collectors, and lying awake at night wondering how it got this bad. You try to budget, try to save, but the weight of debt crushes every effort. It’s exhausting, discouraging, and at times—completely overwhelming. Financial Freedom 101 is your way out. This book isn’t filled with fluff, gimmicks, or unrealistic get-rich-quick schemes. It’s a clear, practical, and proven guide ...

You can't get a loan without credit. You can't get credit if you don't have money. Anyone who's ever started out in life has faced this harsh realization. Don't get me started on how much tougher the process is for a person starting up a business. Learn the ins and outs of establishing and building business credit so you can maximize the use of leveraging other peoples' money for you and your business gain.

According to Experian’s Annual Credit Review, 16 percent of Americans have credit scores between 300 and 579, and another 18 percent have “fair” credit scores up to 669. But even if you’re barely squeaking by with a “fair” credit score…it only takes one late payment to send your FICO score plummeting down.

The government has ear marked billions of dollars for small business funding to stimulate the economy, yet 89% of small business loans are rejected (Small Business Lending Annex). In, "The Ultimate Small Business Owner's Guide to Getting Bank Funding" you will learn how to design a business credit file that will impress underwriters. Unlike personal credit, business credit rewards those who borrow. You'll be able to aggressively expand your business and take advantage of windfall profit opportunities with unlimited bank funding behind you. Most importantly, you'll finally learn how to ...

Certainly! Here’s an enhanced book description for listing "Building Business Credit with EIN Only: A Comprehensive Guide" on Amazon.com, now including mentions of graphics and charts to further engage potential readers: Building Business Credit with EIN Only: A Comprehensive Guide Unlock the doors to financial independence and business success with **"Building Business Credit with EIN Only: A Comprehensive Guide."** Whether you're a budding entrepreneur or a seasoned business owner, this essential guide provides the roadmap to securing business credit without the need for a personal ...

Take stock of your financial situation From budgeting, saving, and reducing debt, to making timely investment choices and planning for the future, Personal Finance for Dummies, 9th Edition provides fiscally conscious listeners with the tools they need to take charge of their financial life. This new edition includes coverage of an extensive new tax bill that took effect in 2018. Plus, it covers emerging investing interests like technology and global investing, cryptocurrencies, pot stocks, the lifestyle changes occurring with millennials, and more.

This book is full of unknown information that has never been released to the public. It contains detailed information about the credit bureaus and how their database operates. Anyone who has good or bad credit should listen to this book. This book takes an inside look at the tactics that can be used for individuals seeking to get ahead in life without the use of credit repair or debt consolidation companies. If you ever wanted to know about the secrets of the credit bureaus, I stress that you listen to this book.

Get your financial life in order—from saving and investing to taxes and loans—with this comprehensive, accessible guide to everything you need to know about finance. Managing your finances can be overwhelming at times. But it doesn’t have to be! Personal Finance 101 will provide you with...

Many people make the mistake of seeing money as the ultimate goal in life. This mindset is a trap. Money should serve you, not the other way around. Financial success starts when you stop seeing money as the finish line and start seeing it as fuel—fuel for freedom, opportunity, security, and generosity.