Posts Tagged ‘Credit’

Best Credit Cards for Home Business in 2012


Best Credit Cards for Home Business in 2012

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Los Angeles, CA (PRWEB) January 19, 2012

With more than half of U.S. businesses operating from their home (51.6%), according to a Recent survey by the U.S. Census Bureau, CreditDonkey.com published their updated list of the better business credit cards with the home business owner in mind.

“As home businesses continue to thrive, savvy business owners are turning to business credit cards instead of traditional bank loans,” said Charles Tran, founder of the credit card comparison website, CreditDonkey.com.

Credit card issuers are offering big incentives to entice business owners to sign up.

CreditDonkey.com compared generous rewards, low interest rates, low fees and helpful benefits to determine the best business credit card for home business owners.

“Business credit cards are a competitive advantage for home businesses, when used intelligently. It’s important to pick the right credit card for the specific needs of your home business,” says Tran.

The experts at CreditDonkey.com recommend the following business credit cards, depending on your home business needs:

Cash Back: Chase Ink Cash Business offers $ 250 cash indorse bonus after you spend $ 5,000 within 3 months. 5% cash indorsed on the first $ 25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services. 2% cash supported on the first $ 25,000 spent annually on gas and dining. 1% cash back on all other purchases with no limit to the amount you can earn. All with a $ 0 annual fee.

“Earning cash back helps your bottom line. Business credit cards aren’t just for charging needless expenses. The perks of cash back business credit cards allow you to reinvest into your growing business,” says Tran.

Travel Rewards: American Express Business Platinum offers up to $ 200 airline fee credit to cover incidentals with the airline of your choice. 20% travel bonus when redeeming with Membership Rewards Pay with Points. Complimentary airport club access, including American Airlines Admirals Club lounges. Concierge service to assist with your business needs from gift giving to dinner reservations. Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club, Avis Preferred, and Emerald Club from National Car Rental. There is a $ 450 annual fee.

“Traveling to conferences or meeting clients are well worth the investment. Using business travel credit cards allows business owners to minimize travel expenses while still enjoying the benefits of traveling in comfort,” says Tran.

Cash Flow Management: American Express Plum card offers a 1.5% discount when pay in full within 10 days. Otherwise, pay as little as 10% and take up to 2 months to pay cancelled the balance, interest free. $ 0 introductory annual fee for the 1st year, then $ 185.

“Volatile cash flow, seasonal trends and slow months are problems all home business owners face. Cover expenses with a business credit card until your customers pay,” says Tran.

Home business owners can visit CreditDonkey.com for free comparisons of business credit cards. CreditDonkey.com publishes credit card deals, tips and reviews to help entrepreneurs make informed credit decisions. They can search, compare and apply online, finding the best credit cards for their business needs.

Media Contact:

Charles Tran
charles(at)creditdonkey(dot)com

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5 Credit Bureau Repair Tips


5 Credit Bureau Repair Tips

Article by Aubrey Clark





Related Three Credit Bureau Report Articles

Where Do I Go To Get My Free Credit Report? Or, Can I Really Get My Credit Report For Free?


www.LegacyLegal.com Federal law allows you one free copy of your credit report from each of the three main credit bureaus every 12 months. You want to be sure all of your account and personal information is accurate; otherwise your credit rating and credit score could suffer. You also want to be sure your positive efforts are recorded and noted as well. Go to AnnualCreditReport.com and provide your complete information and you can get an electronic copy of your credit report.
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Step 2-Get a Complete Picture of Your Current Credit Situation


Do you find all the commercials and advertisements about free credit reports to be overwhelming? Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, put this great video together for you to share with your clients, to help them learn the three reputable means to obtain a copy of their credit report, and why pulling their own credit is a must! (www.lindaferrari.com)
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Ohio?s AgriPOWER Institute Receives Farm Credit Services of Mid-America Gift


Ohio’s AgriPOWER Institute Receives Farm Credit Services of Mid-America Gift

Louisville, KY (PRWEB) January 19, 2012

Ohio Farm Bureau Federation’s AgriPOWER Institute trains promising young farmers and agribusiness professionals to become strong leaders and advocates for Ohio agriculture. David Benavides, northeast Ohio regional vice president for Farm Credit Services of Mid-America, is a 2010 AgriPOWER grad who found his yearlong experience in the program to be a real eye opener.

“It was very much caring ‘taking the blinders off,’” said Benavides. “Not only did I learn about diverse types of farming operations across the state, I got to know many young leaders whose passion for agriculture and abilities are absolutely amazing. It too really helped me see a different side of farmers, and how policy changes can directly affect their lives and livelihoods.”
Benavides was so impressed with his experience that when he had the opportunity to give something back, he responded by helping AgriPOWER secure a $ 4,500 Farm Credit corporate stewardship donation. The gift was presented recently and will fund the tuition for a future member of the Institute.

“We’re extremely appreciative of Farm Credit’s gift,” said Sandy Kuhn, AgriPOWER director. “It seems like agriculture is constantly finding itself on the defensive about any number of issues these days, and AgriPOWER is developing future leaders and current advocates to be better able to tell agriculture’s story—similar how important it is for each of us to eat on a daily basis, and how Ohio farmers are doing the right things, at the right times, for the right reasons. This gift help us accomplish those kinds of objectives.”

Farm Credit’s David Benavides secured the recent donation to AgriPower. He is pictured here (standing far right) with his 2010 Class during a breakfast at the Ohio Governor’s Residence and Heritage Garden.

The AgriPOWER Institute was launched in 2008 by the Ohio Farm Bureau Federation as an elite program for highly-motivated young farm leaders and agribusiness professionals. The yearlong program focuses on public policy issues confronting agriculture and the food industry such as animal activists, climate change and trade policies. It helps participants develop the skills necessary to become effective leaders and recommending for agriculture by learning from experts in these fields.

The program consists of seven multi-day institutes (17 days total) and covers public policy matters facing local communities, the state of Ohio, the nation and the world. One of the sessions is held in Washington, D.C., to help class members gain a good understanding of national and global issues. To date there have been three classes of the AgriPOWER Institute, with 62 alumni. Class IV is currently in progress with 19 participants.

Kuhn said that follow-up studies have shown that AgriPOWER has been effective in preparing participants to move into leadership positions in local boards, churches, Farm Bureaus, and chambers of commerce, as well as some state organizations. Benavides felt that the training he received gave him a much greater appreciation for the need for people to speak up about agriculture.

“It helps participants understand that we have a voice and that we need to be telling the stories of what farming really is, rather than the perceptions many people today have,” he said. “It’s our job to educate consumers what farmers do, why they do it, and where their food comes from. That’s why I wanted to help Farm Credit give something back (to AgriPOWER). For things that are important to agriculture, we need to be engaged.”

About Farm Credit Services of Mid-America

Farm Credit Services of Mid-America is a $ 17.1 billion fiscal services cooperative serving over 92,500 farmers, agribusinesses and rural residents in Kentucky, Ohio, Indiana and Tennessee. The association provides loans for all farm and rural living purposes including including real estate, operating loans,equipment loans, and housing loans. FCS also provides an array of financial services, including crop insurance and leases. For more information about Farm Credit, call 1-800-444-FARM or visit them on the web at http://www.e-farmcredit.com.

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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The Business Finance Store Discusses New Changes in Credit Card Policies and Security


The Business Finance Store Discusses New Changes in Credit Card Policies and Security

Funding Is Available

Santa Ana, CA (PRWEB) December 19, 2011

The Consumer Financial Protection Bureau (part of the federal government) wants major card companies to revise their agreements and make them more user-friendly, according to Credit Karma. The new 2-page-long agreement is a much more simplified version, Forbes reported. Small businesses seeking credit cards might be poised to wait for these agreements in order to simplify their selection process. In the recent blog post “New Rules: How Credit Card Changes Will Help Your Business,” the Business Finance Store discusses three major changes to credit card policies and security may affect small businesses.

Credit cards are an important part of small business life. Not only do they provide for one type of financing, they also allow customers to make purchases. Knowing the changes in credit card policies can mean the difference between business running smoothly or having a few extra bumps in the road. Read more about changes to credit card policies and security at the Business Finance Store blog.

The Business Finance Store is a business financing and consulting firm that offers customized Business Financial Solutions. Seasoned professionals offer assistance in a variety of financial solutions to help small businesses succeed such as: Business Financial Solutions, Legal Solutions, and Accounting Solutions.

The staff at The Business Finance Store understands that starting and growing a business is an exciting time. They keep it exciting by taking care of some of the most difficult aspects, by providing legal advice, helping with vital responsibilities like accounting & bookkeeping, and by obtaining business finance. They can quickly and easily guide entrepreneurs through many different complicated processes, and put them on the path to success.

For 10 years The Business Finance Store has been helping startups and other small businesses legally structure their companies, find the right franchises, get the funding they need, and to achieve the American Dream of owning their own successful business. Since expanding nationwide in 2007 they have helped thousands of companies and have funded over $ 60 Million in business credit lines, not including SBA loans. The Business Finance Store sees limitless potential in the current climate, and looks forward to many strong years of growth to come. Take some time to review their services, and give them a call.

For more information, or a free, no-obligation analysis of your business needs, visit The Business Finance Store, visit http://www.businessfinancestore.com. A member of their professional staff will contact you to discuss your business’ short and long-term goals. Whatever you need, The Business Finance Store is there.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Credit Repair – Increase your Credit Scores in 75 Days – part Three


Learn how about the credit score problem facing so many Americans today, and what you can do about it! Did you know that 79% of credit reports contain inaccurate information? That’s 8 out of 10 reports! It may not be your fault, but the fault sloppy credit bureau reporting practices. Let us educate you on how you can protect your consumer credit rights!
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Why You Need To Check Your Credit Score Regularly


creditrepairnow.net You are more likely to notice problems and inconsistencies if you check your credit score on a regular basis. At the minimum, you should check it once a year; however, three times a year is ideal. Also ensure that you check your credit rating with each credit bureau: TransUnion, Equifax, & Experian. If you notice anything odd or anything you don’t recognize, such as a charge account you did not open, report it immediately. In addition, you may want to consider purchasing identity theft protection. Sometimes these errors are caused by mistakes made at the credit bureau, but they could be an indication that someone is using your identity. In either ease, such mistakes can damage your credit report. Fixing these errors is crucial to improving your credit score. If you think you have been thc victim of identity theft, take these actions at once: 1) Contact the three major credit bureaus and ask to speak with the fraud department. Explain that you believe you have been the victim of identity theft and ask that an alert be placed on your file. This will let anyone looking at your report know that you may have been the victim of fraud. You will also be alerted any time someone looks at your file (lenders or criminals). If you have an alert on your report, and a lender is suspicious that the person applying for credit is not you, they will deny the request. If it was a criminal trying to access your credit score, or take out credit in your name, this will


PBS Frontline Secret History of the Credit Card


In “Secret History of the Credit Card,” FRONTLINE® and The New York Times join forces to investigate an industry few Americans fully understand. In this one-hour report, correspondent Lowell Bergman uncovers the techniques used by the industry to earn record profits and get consumers to take on more debt. “The almost magical convenience of plastic money is critical to our famously compulsive consumer economy,” Bergman says. “With more than 641 million credit cards in circulation and accounting for an estimated .5 trillion of consumer spending, the US economy has clearly gone plastic.” Millions of American families use their personal, general-purpose credit cards such as Visa, Mastercard, American Express and Discover to make ends meet; credit cards have been a discreet lifeline for families in financial straits. But other consumers, like actor and author Ben Stein, use plastic purely for convenience. While it would appear that Stein — who says he charges a small fortune every month on his credit cards — is the ideal customer, in reality, he is what some in the industry call a “deadbeat.” That’s because he pays his balance in full every month. The industry’s most profitable customers, the ones being sought by creative marketing tactics, are the “revolvers:” the estimated 115 million Americans who carry monthly credit card debt. Ed Yingling, incoming president of the American Bankers Association, tells FRONTLINE that revolvers are “the sweet spot” of the banking


Credit Reports: Mistakes and inaccurate information

www.onecallcreditrepair.com 1-888-586-4914 Errors? On credit reports? Yes, as it turns out, the credit bureaus are fallible, just like the rest of us. But don’t blame them. They manage an enormous amount of data each day, and even under the best circumstances, errors are bound to occur. The fact is, the credit bureaus make every effort to verify the data that’s reported to them by your creditors. But at the end of the day, the bureaus report the information they receive from your creditors. Miss a payment on that new boat? The credit bureau doesn’t know to report it until the company financing your boat makes them aware of it, and this is where many errors occur. Hiring a law firm to repair your credit can dramatically increase your chances of success. The credit bureaus exist in large part to support finance companies and lenders in determining credit worthiness and without the data reported to them by these very same companies, there wouldn’t really be any credit bureaus. All the same, the information that’s contained in your credit reports is used to determine your lifestyle, with complete disregard to you as a person, whether you like it or not. The truth is, in financial terms you are only as good as your credit score. But you can repair your credit, and fix any errors that may be on your report, and change your financial standing, and your financial future, in the process. Welcome to One Call Credit repair. Whether you’re in Collections, have late Payments, Charge
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