“Improving your credit score is done by having a healthy budget, sticking to the budget and not going over the budget.'
bit.ly/3UpUlEC #money
featuring Seedlyng Financial Education #MoreThanAnApp National Foundation for Credit Counseling (NFCC) Experian Tealfeed

“Consider using AI to improve productivity and customer satisfaction. Use it to achieve business goals.”
bit.ly/3DxF9xb #ArtificialIntelligence
featuring Lisa 🌲 Chau || Clover Canal 🍀💦 Ivana Taylor Iva Ignjatovic Bizapalooza Tealfeed

“Effort and consistency are such crucial facets of friendships.'
bit.ly/3OgwXHP #LifeLessons #SayftyChat
featuring Michelle Frank Ntensibe Edgar Sayfty Tealfeed

“Kids being home from school could drive your spending to rise.'
bit.ly/3OddvM7 #money
featuring Navicore Solutions Experian Tealfeed

Listening to all things social, marketing and branding for tips from Rachel Thompson, Author | Survivor | Biz Owner.

'I used ChatGPT to create my own custom cookie recipe, which came out about as flavorless as the content.'
bit.ly/3WmCxwX #ArtificialIntelligence
featuring Lisa Sicard 👩‍💻 Inspiretothrive Ivana Taylor Iva Ignjatovic Bizapalooza Tealfeed

'Pay off purchases after they are processed to avoid leaving a balance on your credit lines.”
bit.ly/3wgeWTN #CreditChat
featuring Markia Brown, AFC® Experian Tealfeed

A10 To establish business credit:

1. Separate personal and business finances.

2. Open a business bank account and obtain an EIN.

3. Apply for a business credit card.

4. Pay bills on time.

5. Monitor credit reports regularly and correct any errors promptly. #CreditChat

A9b These tools empower better credit management and informed decision-making. #CreditChat

A9a Entrepreneurs can use tools like Nav, CreditSignal or Experian Business Credit Advantage to monitor business credit scores, receive alerts on changes and access educational resources to improve credit health. #CreditChat

A8 Leverage strong business credit to negotiate lower prices, extended payment terms or favorable contracts with suppliers and vendors. Showcase reliable payment history and financial stability to build trust and strengthen bargaining power. #CreditChat

A7b Improve creditworthiness by building a strong credit history, increasing revenue, managing cash flow effectively and presenting a solid business plan demonstrating growth potential and risk management. #CreditChat

A7a Lenders assess small business creditworthiness based on factors such as credit history, revenue, cash flow and business plan. #CreditChat

A6b Avoid these mistakes by establishing clear separation, automating payments, monitoring credit regularly and practicing responsible borrowing. #CreditChat

A6a Common mistakes in business credit management: mixing personal and business finances, neglecting to monitor credit reports, missing payments and overextending credit. #CreditChat

A5 Startups can use personal credit for initial funding but limit exposure by gradually transitioning to business credit. Maintain separation between personal and business finances, monitor credit closely and try alternative funding options to mitigate risks. #CreditChat

A4 A lender may not appear on your business credit report if they don't report your payment history to credit agencies or if your business hasn't established enough credit activity with that lender yet. #CreditChat

A3 Access business credit reports from agencies such as Dun & Bradstreet, Experian or Equifax. Review for accuracy in company information, credit history, payment trends and any potential red flags. #CreditChat

A2 To build business credit:

1. Establish a separate legal entity.

2. Open a business bank account.

3. Apply for a business credit card.

4. Pay bills on time.

5. Monitor credit reports regularly. #CreditChat

A1 Personal credit is tied to individuals, based on financial history and behavior. Business credit pertains to a company's financial standing, separate from its owners. Startups must grasp this to protect personal assets, establish credibility and access funding. #CreditChat