Go Back to www.IndependentRetailer.com FINANCE


Fix Your Credit Score


GENERALLY, IF your FICO


score, the number that summa- rizes your credit risk, is less than 650, it’s considered subprime in today’s credit market. Fortunate- ly, there are several ways to bring your ratings up a notch and make yourself more desirable to small business lenders. Improve Your Credit Re-


port: If your numbers are down, Denise Beeson, a small business loan offi cer in Santa Rosa, CA, suggests looking for ways to im- prove your credit report before approaching lenders. Correct A Dispute: If an


unfair bill went into a collec- tions account in the past, try disputing the account with the credit bureaus. • Dispute old items with a


lender that has merged with an- other company. • Change credit limits reported


as lower than they actually are. • Correct accounts that are


still listed as unpaid, that were included in a bankruptcy. • Remove old negative items


that should have automatically fallen off your reports. Solicit Advice: Sometimes


the source of a loan will also help you boost your score, start- ing with these two places: • Local Credit Union. Ask to


speak to a business development representative. “A credit union is


USA Manufacturer


Visit us at:  Secure ordering available online!


INDEPENDENTRETAILER.COM for Industry News & Updates continued on page 112


CALL TODAY! 1-866-61-SOCKS April 2011 111


   


 


SPECIAL WHOLESALE STARTER CASE $125.00 + Shipping & Handling


Retail Value $400.00 Alabama Wholesale Socks 158 Industrial Drive, Sylvania, Alabama 35988


 


Your #1 Sock Source  


Low Minimums


Womens


Men’s Thermal Medical Dress Kid’s


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