Business Identity Risks Rising After COVID-19

According to Dun and Bradstreet High Risk and Fraud Insight team, there has been an increase of 258% of business identity theft since early 2020, mostly illegally gaining access to the Paycheck Protection Program. COVID-19 has been an opportunity for fraudsters. When thugs are out rioting, looting and burning businesses down, stealing a business identity […]

Can the CARES Act Deferment Program Help or Hurt My Credit?

When you asked for a deferment during the COVID 19 pandemic, mortgages and other creditors will report this status on your credit report. If you are not seeking new financing but used the CARES Act to assist you during the pandemic to help your credit rating, ultimately the program will protect your credit scores and […]

Quick Options to Business Owners from the Impact of COVID-19

The COVID-19 pandemic was unexpected; as a result, businesses are affected the most besides of course public health. Business owners who cannot get financed because of the pandemic or who had to place a hold on their business expansions, short term steps are necessary like quick fixes to help your business continue to run during […]

Credit Counseling is a Bad Strategy for Your Credit

Most people who seek credit counseling do not have tarnished credit, they just cannot afford carrying over extended debt any further. Instead of seeking legal advice or professional advice from a credit expert or attorney, the consumer seeks a credit counseling company. The credit counseling company will give you the worst advice which is to […]

Who Qualifies for Credit Restoration?

Credit restoration is for professionals who inquire on improving their personal credit and business credit because they are interested in expansion, purchasing new inventory, new real estate or reducing overhead by obtaining new business financing. Majority of our clients are business owners who we serve and appreciate. The following is a list of examples for […]

Hurricane Dorian: Prepare Your Mortgage and Personal Credit

Unfortunately, natural disasters happen and when they happen, your personal credit, your mortgage and your income can be affected. Here are four simple steps that may help you after Post Dorian. Take Photos of Your Property Before and After It is imperative to take photos of your property before a hurricane or a natural disaster […]

How to Avoid Debt Scavengers Collecting on Zombie Debt in Florida

The term “zombie debt” means the debt is very old and no longer owed. Zombie debt is purchased possibly from the original creditor or from another collection agency for cents on the dollar. Debt scavengers try to revive a zombie debt which the statute of limitations are expired on the debt.  They use every intimidating […]

Four Ways a 680 Credit Score Helps a Small Business Owner

Some business owners are unaware of their credit scores and finally aware when they get turned down for a business loan or commercial real estate loan.  Regardless, personal credit is used to qualify you for a business loan or commercial real estate loan. The best way to stay connected to your credit scores is through […]

Four Original Well Established Credit Concepts at this Company

After establishing myself in the finance industry for over 28 years, I have helped thousands of clients  especially small and mid-size business owners and real estate investors with their financial landscapes such as banking, business credit, business loans, commercial loans, credit after divorce, distressed debt, hard money loans, home loans, personal credit and personal loans. […]

Your Credit and Forbearance Agreement for Hurricane Irma Disaster Relief Assistance

Some mortgage servicing companies are reporting consumers late even though they have a forbearance agreement for Hurricane Irma disaster relief assistance, and state “your forbearance agreement will not go into effect until the following month”, this statement is incorrect. According to Fannie Mae, “Servicers are authorized to suspend or reduce a homeowner’s mortgage payments immediately […]

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