How to Raise Your FICO Score by 200 points

When you learn how to raise your credit score, even by just a few points, you will save yourself thousands of dollars and dramatically increase the respect society has for you.

The problem many people have, which loses them tens of thousands of dollars in extra interest charges and denies them access to credit, is that their FICO credit score is too low.

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You can now solve one of the biggest problems many people face in their lives, stop getting turned down for the things you really want and instantly lower the high interest charges you are currently paying simply by learning how to raise your credit score.

It can be as easy as A B C

A. always try to keep the amount you owe on each of your credit cards below 50% of that cards available credit.

Other than your on-time payment history, this is the single biggest factor to increasing your credit score that you have control over.

Asking for credit is good. The more credit you have and the higher your limits are the better your credit score will be.

Carrying a reasonable monthly balance on your cards is good. You actually get rewarded in your credit score calculations when you owe money on houses, cars and credit cards. But always try to keep your credit card balances below 50% of the available limit. A balance of about 35% of your cards max seems to be perfect for achieving the highest FICO score possible.

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B. business credit should be used instead of personal credit whenever possible.

It is a little known secret that when you set up a business properly (by filing a corporation name and doing what is called entity structuring) the debt which is given to YOU in the name of your business will not show up on your personal FICO credit report.

This technique, of getting money in a business name, means that no negative effect will happen to you or your credit score, no matter how many loans or cards you get for business use.

This kind of money is INVISIBLE, when done properly, and will never lower your credit score, like normal personal debt would.

So the lesson to learn here is that you should not use personal money to run your business, because that will lower your FICO score. You should use a registered business name to get money for your business needs that is separated from you personally.

This way you can take out a MILLION dollar’s worth of business loans and no one will ever know when they look at your FICO credit.

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C. credit repair should be done.

Using credit repair techniques and programs that are available are one of the fastest and easiest ways to raise your FICO score and to quickly have GOOD credit.

The easiest money you will ever make or save is the money you have been wasting by having a credit score that is lower than it could be with a little effort.

This kind of tiny investment in credit repair, on average, saves people $9,436 a year by lowering all their interest rates and eliminating excessive fees.

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Credit Repair Works!

Credit repair and credit restoration works really well and has become a billion dollar industry because of the positive impact it can have in legally removing negative items from your credit report and increasing your FICO scores.

But the only way most people know to get the kind of credit repair, that increases your score, is to turn to a high priced lawyer that charges $5,000 to do credit repair.

There Is A Better Way to Raise Your FICO Score.

Now you can take the power into your own hands and with these cheap and simple instructions you can raise your own credit score.

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Raised by a single mother in Minnesota, Tom got his first start in business at the age of 8 as a newspaper delivery boy for the MPLS Star and Tribune and worked as a young neighborhood handyman. As each season changed he would go door to door after school providing needed yard work and doing chores for all the seniors that lived on the block. He bought his first Red Schwinn 10 speed Bike with the money he earned from delivering papers.

Tom went away to college in Philadelphia to study journalism at Temple University where he received the freshman journalist of the year award, given to one outstanding student each year by the Philadelphia Inquirer Newspaper.

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When the internet burst on the scene in the 1990’s and started to change business forever, Tom traded in his tool belt for a laptop and started one of the first online newsletters for small business owners.

He used the experience of starting his own business, struggling to obtain the needed funding and eventually hitting the million dollar mark to teach other small business owners how to quickly get business funding, how to structure their business properly and how to make extra income online.

Over the past decade Tom has built and sold dozens of successful businesses in a variety of industries. He has personally coached hundreds of other business owners. He has taught thousands of people on live business webinars. He has developed countless business courses and instruction manuals, like Shortcut To Money Secrets, The Ultimate Real Estate Investors Guide and The Triple Crown of Funding. And he has pioneered the use of online income applications that help business owners increase revenue using the internet.

As the co-founder of groups like the small business funding network, crowd funding dream team and the coalition to educate kids on business, he has for well over a decade to teach people how to start businesses, how to fund businesses and how to run businesses successfully.

Tom’s now has a young son and daughter in grade school who are his pride and joy. They keep him busy between soccer games and ballet lessons. And he faces the same challenges every other parent has as they seem to grow up so fast and develop minds of their own.

The favorite place in the world for Tom is sitting in a boat on a deep blue Canadian lake, in Northern Ontario, with a fishing pole in his hands and his family by his side.

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What part does revenue projection play in the formation of a budget at a human service organization? How is revenue projection different in a human service organization as opposed to a for-profit organization?

BUS 307 Week 1 DQ 2 Business Mapping of Processes

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