est business credit reporting agency. You can apply for this without any fees at Dun & Bradstreet’s website (
dnb.com), and you’ll usually receive this number within thirty (30) days. Do not apply for this number until you’ve prepared your self thoroughly, because any information you give to them... goes into your credit file... permanently. After you’ve obtained your D-U-N-S
number, you’re probably ready to start es- tablishing some vendor credit. Vendor credit is where many business owners start establishing business credit ratings. Simply go to
staples.com,
officemax.com or
officedepot.com to get started. Then, you’ll also need to fax your business tele- phone bill & the credit application to them... on your business letterhead (which you can create using your favorite word processing software if you don’t have ex- pensive stationery). They usually don’t require any personal guarantees (if you’ve followed the outline above), and you’ll
usually receive a starting credit line of $750.
This is critical & I repeat... critical! Al-
ways pay your invoices before the grace periods begin... especially on unsecured credit cards or vendor credit lines. Dun & Bradstreet will lower your credit score for every day a creditor reports your bill as unpaid while you’re within your grace pe- riod. Whereas, personal credit scores are not lowered unless you are 30+ days past your due date.
Dun & Bradstreet reports what’s known
as a Paydex score (your corporate credit score), and a score of 80 is very good... with 100 being the highest score you can achieve. Your Paydex score is issued once you’ve established a known vendor/credit relationship with at least five (5) creditors. There are shortcuts that will help you get much more than $750 a lot faster. When using a business credit expert, most small business owners (even startups) can be approved for vendor credit lines of
EXPERIENCE NCCI
“For a rewarding blend of challenges and opportunities, experience everything
NCCI has to offer.”
As the nation’s largest provider of workers compensation insurance information, tools, and services, NCCI values technical experience. We also value what our employees add to our organization as individuals. Helping our employees succeed in all aspects of their lives is important to us. That’s why we provide a variety of amenities and benefits, from on-site day care and fitness centers to a generous 401(k) match and company pension plan. Find it all at NCCI-the opportunity for a rewarding career, plus programs that enhance your work-life balance and personal satisfaction.
Learn more when you apply online today:
NCCI.com/careers
Experience NCCI and the challenging and rewarding opportunities available to our employees. For more than 80 years, NCCI has cared for its diverse team of professionals by providing a stable environment, superior benefits, and work-life balanced programs. NCCI’s business environment recognizes outstanding individual and team efforts and leverages technology and process improvement to serve the needs of our stakeholders.
$25,000-$50,000 and open credit lines of $50,000, $250,000, $500,000 or more... in as little as 45-60 days... by using their knowledge of the application process & “shelf ” corporations. Now, it’s your choice. Are you going to
go against the grain & try to establish business credit on your own (which could prove costly to your business health, growth & survival)? Or, will you choose to utilize a corporate credit expert... al- lowing you to remain focused on your daily business needs? Most business owners make the mis-
take of trying to do this on their own... usually trying to find grants, investor “an- gel” money, or falling back onto the “per- sonal credit card sword”. Don’t be a casu- alty like the rest. Learn more about how you can use the same tools that informed, educated millionaires have been using for decades.
Source:
articlegeek.com
We require a drug screen and background check. EEO/Smoke Free environment. The Black E.O.E. Journal
www.blackeoejournal.com 77
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