Attend foreclosure auction with your own personal real estate professional.
When:
Thursday October 30, 2008
Where: San Bernardino County Fairgrounds
Time:
Registration begins at 5:00p.m. (Bus leaves Temecula at 2:00p.m.)
$55 per person Register Now Seating is Limited
Services AL University So Let’s Find Out Where You Are?
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The FICO score is a numbering system created based on your personal credit worthiness as a result of your past and present usage of credit. Any score above 680 will help qualify you for business financing. With a score above 640 there will be some funding programs available to you and with a score below 620 you will most likely need to find someone other than yourself to act as a guarantor for business funding unless your business has assets or receivables to secure the financing or unless you have built a good business credit score. Most business lenders use the FICO score(s) as a “Go or No Go” switch. It is important to know your FICO scores from all three (3) credit agencies before you apply for any business credit. Next, you need to know if your business has a “Business Credit Rating” and a PayDex score. A PayDex score is similar to a FICO score only it is the measure of your business credit worthiness. Having a PayDex score of 75 is like having a FICO score of 750. Check with AL University to find out if your business is already listed and has a PayDex score. Does all this seem like a lot to take in, understand and then apply? Then why not let our AL University Program help you! When you have AL University’s assistance, we check with Dun and Bradstreet and use the tools available to check if your business is currently listed and what is being said about it. D&B also has a tool that, for $899, allows you to establish the framework for your business credit rating. If you are in a great rush you can use this service; however, you can do it for less and in some cases for free. D&B has a free form to apply for a new D&B number only. This option does not establish a business credit score or rating. It takes about three weeks to receive your business D&B number and on the pages that follow we will be showing you the steps to build your own score and rating. CAUTION:D&B employs extremely aggressive commissioned sales people. Once you apply for your free number they “will” call you. They will tell you that you can never build business credit for your free number and your file will not be activated unless you pay them $499. If you believe them then pay them. While using our AL University Program we do not recommend you contract for any services with D&B. Our AL University Program will take care of all your needs regarding D&B. |
Begin by signing up for Real Time Credit Services through AL University. By doing this you will give yourself and AL University 24/7 access to your personal FICO score. It is important that anyone owning 10% or more of the business be enrolled in Real Time Credit Services, as their personal FICO score will have an impact on the business credit development. This will allow you and AL University to access the FICO scores for each person for all three (3) credit agencies and it will not cause an inquiry to appear on the credit history.