Personal Credit Ratings


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

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

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

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

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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

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

Employment Lines

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

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

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

Business Bankruptcies Decline

May 25, 2004 --Business bankruptcies fell 2% for the year ending March 31, according to the Administrative Office of the U.S. Courts. ...  Read story

Network: June 1992

Network questions and answers.  Read story

Loans and Start-Ups

Financing the company car; launching a business when you're a teenager.  Read story

Credit Manual Of Commercial Laws 1982, Edited By Robert D. Goodwin And Lester Nelson. National Association Of Credit Management, 475 Park Avenue South, New York, Ny 10016; 982 Pp., $35.

The 74th edition of writings and rulings pertaining to borrowing and collecting. Federal and state laws cited, cases discussed. Considers such areas as p...  Read story

Microloans: Managing a Capital Infusion

An entrepreneur explains how, with the help of a women's business center, she was able to secure a microloan.  Read story

A Leg Up from the Bank

One company offers its employees a package of discounted and free banking services.  Read story

Bad Debts Can Cost You More Than You Think

Companies trying to collect overdue bills may find themselves in legal hot water, even though it's the debtor who's in the wrong.  Read story

Banking: The Microloan Alternative

A small-business owner explains how she received a microloan and what it took to secure it.  Read story

Find MAPs You Can Work With

Many merchant account providers (MAPs) refuse accounts to start-up firms or firms and individuals with bad credit histories. Some MAPs will not accept hig...  Read story

Personal Guarantees for Business Loans

How do you deal with lenders when you don't have any substantial assets? It's all about give and take.  Read story

Detecting Fraud

Steps an employer can take to unmask workers' compensation fraud.  Read story

Legal Hiring Practices FAQ

A big part of your job as an employer is finding and hiring new people for your company. From composing job advertisements to making an offer of employmen...  Read story

A Credit-Line Quest with a Happy Ending

A company's owner explains the process her company went through to secure a credit line, and how it is on-going.  Read story

Deadline Approaches for Customer Data Rules

May 13, 2005 --New rules go into effect June 1 in the southern states asking businesses to combat identity theft and fraud under the Feder...  Read story

Get More Out of Your Cash

The more you can squeeze out of your cash, the better off you are. That is true, but only to a point. Your efforts to get more out of your cash must be ba...  Read story

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