Consumer Credit and Debt


How to Create a Smart Credit Policy

An entrepreneur's guide to offering trade credit, crafting a credit application, and evaluating a customer's credit-worthiness  Read story

Collection Techniques to Avoid

Past-due accounts present a number of problems, one of which is how to collect them. When faced with this uncomfortable issue, avoid using these collectio...  Read story

How can I establish the creditworthiness of a company that's a prospective customer?

Offices & Operations mentor Charles J. Bodenstab responds: A credit report on the potential customer is a good starting point, but I...  Read story

Increasing Web-Site Traffic

If you build it, will they come? Last year, Internet sales reached $79 billion, according to Forrester Research, or 3% of all retail sales. Can your busin...  Read story

Credit Bureaus

A credit bureau is an agency that collects and sells information about the credit-worthiness, or the ability to meet debt obligations, of individuals and ...  Read story

Credit Evaluation and Approval

Related Terms: Cash Flow Management Credi...  Read story

Credit History

A credit history is a record of an individual or company's past borrowing and repaying behavior. In the case of individuals, these records are collected a...  Read story

Federal Trade Commission (FTC)

The Federal Trade Commission (FTC) was established as an independent administrative agency pursuant to the Federal Trade Commission Act of 1914. The purpo...  Read story

Getting Paid

How to make collecting bills as much a part of daily business as making sales.  Read story

Network: October 1991

Network new queries.  Read story

Beware of Credit Reports

The importance of checking personal credit reports before applying for a business loan.  Read story

Banking: The One-Page Credit Form

A short article about a bank's attempt to streamline its loan application process in order to reach small business.  Read story

New Home Sales Drop Sharply

Dec. 23, 2005 --New home sales plunged in November by the biggest month-to-month decline in over a decade, as rising mortgage rates kept m...  Read story

New Home Sales Drop Sharply

Dec. 23, 2005 --New home sales plunged in November by the biggest month-to-month decline in over a decade, as rising mortgage rates kept m...  Read story

Experian Launches Report Package

The package offers home-improvement professionals access to ContractorCheck reports.  Read story

Experian Unveils New Credit Resource

Experian, the U.S. arm of Experian Group, on Monday announced its new online resource, BusinessCreditFacts.com. Targeted at small businesses, it pr...  Read story

Cleaning Up Your Credit

Here are four tips for lowering your interest rate and improving your credit score.  Read story

How to Find Funds in a Credit Crunch

Banks are cutting back, but capital is still available for worthy companies that know where to look.  Read story

Firing and Personal Finance

When is it time to let someone go? Plus, what to do when your credit is in shambles.  Read story

Scoring The Credit You Need

Getting a loan is a faster, more objective process than it used to be -- for better or worse.  Read story

Raising Capital Online

From angel directories to person-to-person lending, entrepreneurs' options are growing for finding and research financing options on the Web.  Read story

House of Cards

Credit cards can be a valuable tool for the entrepreneur or business owner - or they can be a real bane, quickly putting a dent in a company's financial f...  Read story

How to Secure a Microloan

Advice for small businesses on what to expect when applying for a microloan -- and how to seal the deal.   Read story

Bankruptcies Rising Among Seniors

A lack of financial planning is putting more retirees at risk, research shows.  Read story

Wall Street vs. Main Street

The recent turmoil involving Lehman Brothers, Merrill Lynch, and AIG have cost the economy billions of dollars, led to thousands of layoffs, and conjured up ...  Read story

Mortgage-backed Securities

Although interest rates dropped for most of this year, consumer loan rates remained stubbornly (from the borrower perspective) or satisfyingly (from the b...  Read story

Credit Tighter for Small Firms

More banks are raising lending standards for small businesses, the Federal Reserve reports.  Read story

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Protection against erroneous credit reports would be provided for small businesses by a bill introduced by Sen. Lowell Weicker (R-Conn.) . "Availability o...  Read story

Don't Start a Business without One

Like many entrepreneurs, you may be relying on credit cards to finance your business. Here are some tips on managing credit card payments.  Read story

Cypress Speeds Up SMB Credit Data Search

Cypress Software Systems launched a credit-data search tool that promises to power up its BizMark small-business automated loan judgment software.  Read story

Second Mortgages Aid Small Company Growth

Small business owners who have a house, an acre or two of personal or commercial real estate, or even a vacant lot are finding it easier to finance their ...  Read story

Employment Lines

Some guidelines for getting the information you need from job applicants -- without breaking the law  Read story

Bankruptcy Deadline Prompting Filings

August 26, 2005 --Upcoming changes to the bankruptcy code are expected to create a surge in the number of small businesses filing for bank...  Read story

Benchmark: Revving Up Receivables

The results of a survey that asked companies what steps they had taken to speed up collection times.  Read story

IRS Allows Tax Payments By Credit Card

Jan. 23, 2006 --Charging federal employment taxes on your MasterCard and paying it off later: Priceless. For the first time this ta...  Read story

Secured Bank Cards

Secured credit cards for young companies that want to establish credit.  Read story

Business for Sale: Western Credit-Reporting Agency

An overview of a credit-reporting agency offered for sale. Includes the price, how the business was valued, the outlook of future sales, and the pros and con...  Read story

Tax Commission to Recommend Major Changes

Oct. 13, 2005 --The President's advisory panel on federal tax reform is scheduled to report its findings to the President on November 1st....  Read story

The Internet Guide to Bankruptcy Law

Even in a booming economy, not every venture turns its promoters into Internet instantaires. There' s still a down side to capitalism. And smart bankruptc...  Read story

Six Steps To Setting Up Foreign Reps

"When you have a foreign agent, you must compete with other principals for the rep's time and attention," notes Harry E. McGrath Jr., a former internation...  Read story