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Fix Your Credit Score continued from page 111
going to be a little more forgiving to the borrower than a big box bank,” Beeson explains. Unlike a bank, which answers to its share- holders, the credit union has a membership and is especially re- sponsive to long time customers. What can they do? A credit union will look for ways to improve your credit standing, by, for example, providing you with a secure credit card to establish credit through the union. • Community Bank. Beeson
suggests telling the business de- velopment person that you’re interested in changing your bank- ing relationship and you want to
understand what they can do for you. What can they do? They may request that you transfer your CDs and money markets from other banks to their bank. “They can collateralize a loan based on those CDs,” Beeson says. “That improves your score over time, de- pending on your ability to pay.” Hone Your Approach: From
the fi rst meeting, you should come across like someone worth lending to. Beeson offers these tips toward sending the right message: • Arrive informed. To elimi-
nate surprises, obtain the lender’s qualifi cations for small business loans in advance and be familiar with your credit score. • Project preparedness.
When you introduce yourself, say, “I’m in the process of re- building my credit score. Can you help me?” • Think long term. Beeson
estimates it could take a good six months before any changes appear on your report. Keep in mind that, in addition to improv- ing your score, you want to build a relationship with the institution so that they’re more willing to lend you money in the future. The National Federation of In-
dependent Business, from which this report was adapted, has more great ideas to help you grow. Go to
http://www.nfi
b.com. ■
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