Newport Beach Credit Experts

Dear Southern Californians, Since 2015, we have been assisting California business owners with their business credit, business debt, personal credit and personal debt. We have exceptional business affiliates working in Los Angeles County, Orange County and San Diego County, majority are commercial lenders, some CPAs and commercial real estate brokers. In other words, we are […]

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 […]

To Credit or not to Credit is the Question…

Welcome to 2020, more business owners are seeking new credit. There are many business owners with blemished credit or who are examining to fine tune their credit scores back into the mid 700s to 800 plus range again. There is nothing wrong of pursuing better scores, a professional business owner always seeks for improvement. For […]

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 […]

Can an Alternative Business Loan Help My Credit or Hurt My Credit?

An alternative business loan provides you the temporary cash flow you need for your business, it is not recommended to carry an alternative business loan long term because of a higher interest rate compared to a conforming business loan. You are probably seeking a short term alternative business loan for renovation, new inventory, working capital […]

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 […]

5 Simple Steps Business Owners Need To Secure Their Credit

Identity compromises are becoming more common. Almost every month we hear new reports about hackers, breaches, identity theft and new scams, like IRS scams, Blue Cross Blue Shield scams and disaster relief scams. For a business owner it is highly important to secure his/her personal credit and business credit. Here are some tips to protect […]

How a Wrong Loan Officer for You Can Hurt Your Credit

This is just a follow up about how excessive mortgage inquiries impact your credit scores Since the lending industry strengthened, yet again we see unprofessional mortgage and commercial banking representatives who freely pull credit without the borrower’s authorization, believing their credit scores may increase just a little to get them qualified for a loan. A smart […]

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. […]

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