Tag Archives: credit

Podcast ep 10: How to Apply for Credit

14 Oct

Podcast ep 10: How to Apply for Credit

(Click the pic to hear this podcast episode)

Some tips and tricks and timing strategies I’ve learned to build my personal credit.

Let me know what you think.

Dun & Bradstreet number is finally here!

10 Jun

Our Dun & Bradstreet number is finally here!

Small moves can be Major moves people.
I saw some advice on a website, and rather than pay them I used a couple of steps and now I have this incredibly important number for my business Endeavors and credit.

If you need business credit separate from your personal finances look into getting this done ASAP.

For more help and free advice DM me here or email: tony@changeinadvance.com


13 Apr

Via @wearebreitbartCredit scores for some consumers will jump by as much as 30 percent, starting this month, due to changes in how credit companies report consumer debt and payment history.
The new reporting standards, set to kick in on April 16, the day before Tax Day this year, will require all three major credit reporting companies to exclude tax liens from credit reports, thereby improving credit scores, CNBC reported.



16 Feb


“Don’t wait. The time will never be just right” –Napoleon Hill

Thoughts? Concerns?
Questions? Think I’m wrong?
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Need ideas?
Want to learn how to invite?
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Or simply reply to this article.

2 Quick Credit Fixes You Probably Haven’t Considered

8 Oct

2 Quick Credit Fixes You Probably Haven’t Considered.

A lot of what I discuss on here is how to build a business or what mindset to have or avoid. Every now and then though its finance time my friends.
Today I’d like to discuss two quick credit fixes for the average joe. Credit can make or make you and literally cost you 100s of 1000s of dollars over the course of a mortgage, car, or student loan.
So let’s save you Money!

-Increasing your existing Credit.
A quick fix that most everyone is going to hate me for suggesting is to INCREASE your credit limits by taking out more lines of credit and more credit cards. Consistent approvals and credit limit increases will increase your credit score and your ratios in a favorable manner. Every time you are denied you lose two points. When Amex gives you a new account with them and a low to high limit though, you win. Even a $300 dollar increase still adds to your available credit. You always want a lot of available credit. Now in this economy people are scared. They are avoiding credit, hoarding cash, and living in fear. Fear doesn’t feed the kids folks. Fear doesn’t have dividends that pay quarterly.
Increase your existing limits. Heck call every six months and ask for a credit increase. Speak cordially and state your case. Your case should be that you miss no payments and are a member in good standing etc. They can only say no right?
If that fails, ask for a reduction in the interest you are paying. Even a quarter percent will add up over time. And again-
They can only say no right?

-Debt to credit ratio.
This ratio should be below 30% percent ideally. If you reduce your spending and or pay down the amount you owe to that level or lower and keep it below said threshold you will win. Having a lot of credit is good. Its actually a high need in your personal life and in your entrepreneurial endeavors.
The more credit you have the better you are to meet fiscal challenges. Not necessarily to save your personal pockets- but in a business you may need it.

And using credit, BUILDS credit! Amazing system huh!
By reducing this ratio you will see great results in your credit report, credit score, and fico score.

-Lastly don’t cut up those cards too quick.
A lot of people think that rather than practicing self control it is easier to cut up the cards and end the access. And that’s fine- if you cut them up ONLY. A lot of people cancel their cards to avoid debt and cash flow slavery. However when you cancel one of your credit cards you shrink your income to debt ratio. Ex: before you had 3 cards with $3000 limits respectively. So you effectively had a $9000 credit limit. Now when you cancel card 1 you are down to $6000 of available credit. And if you use $3000 of said credit you have a 50% ratio-OUCH! Credit companies, banks, etc don’t like that ratio. If you had that third card you would have a 33% ratio- a preferred percent.
So folks. Be grown ups. Don’t use that card. Heck don’t even cut it up. We are grown ups. And we are entrepreneurs.
Self control is the basis to success so practice, practice, practice.


“The lack of money is the root of all evil.”
-Mark Twain

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Or simply reply to this article.

Quick Tips for my readers to get some free help from the GOVT!

6 Aug

Two tips for my readers to get free help.

Tip #1: Have you got your free credit reports (3) from the gov?
Go to http://www.annualcreditreport.com.
The only place to get no requirement, totally free credit reports certified and guaranteed from the government (www.Ftc.gov). Get your three every 12 months free.
Also anytime you are denied credit- you can get at least one report. Anytime you are a victim of credit/identity theft you are entitled to a free report from each of the three major credit unions.
Lastly http://www.creditkarma.com will monitor your score free with no issues year round. They only use Transunion to obtain your score/info.
Tip #2: Have you listed your phones, (up to 3) on the do not call registry?
Great way to cut spam and wasted minutes et al. It will allow you to put three phone numbers and it does NOT expire
Simply use email to verify and kiss annoying guys goodbye.

There’s always more @:



Quote 4 May

A good leader takes a little more than his share of the blame, a little less than his share of the credit.

Arnold Glaso

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