FAQ
How
fast can I achieve an 80+ Paydex Score?
Within 30 to 45 Days, and achieving this is JUST THE BEGINNING of our
Business Credit Building Program - We call it Level 1.
How fast can I start
obtaining Unsecured Business Credit?
Within 100 tO 120 Business Days, so don't be a quitter!
Can I really obtain
Unsecured Business CASH Lines of Credit without Personal Guarantees,
even if I have Bad Personal Credit?
Yes you can, our Business Credit Building
Program, has nothing to do with your personal credit. The only
thing
that may affect you if you have and outstanding IRS LIEN then you may
need to appoint someone else. Other than that, you will be able
to
obtain VISA and/or MASTERCARD Accounts that you can
use anywhere Credit Cards are accepted.
How much real CASH
Credit can I obtain without Personal Guarantees?
Anywhere from $20,000 to whatever amount depending on which of our
Programs
you purchase and on your current or projected Business Gross Sales, Net
Income, and Net Worth.
How much TOTAL
Unsecured Business Credit can I obtain without Personal Guarantees?
Anywhere from $20,000 to whatever amount depending on which of our
Programs
you purchase and on your current or projected Business Gross Sales, Net
Income, and Net Worth.
What Type of Credit
Accounts will you obtain for me?
The Types of Credit Accounts we will obtain for you will depend on your
Industry - Some Industries will find certain types of Accounts more
useful than others, but regardless of the Industry you are in, the
following are examples of Credit Accounts we will be able to obtain for
you as you move through our Business Credit Building Process:
VISA/MASTERCARD Business Credit Cards (CASH Credit)
including but not limited to:
Building Supplies
& Equipment
Industrial Supplies & Equipment
Home and Office Furniture and Decorations
Computers, Servers, Printers, Scanners, and other Business-Class
Technology
Cell Phones and other Telephony Equipment
Business and Personal Software Licenses
Gas, Diesel, & Other Fuels
Airline Tickets & Cruise Tickets
Shipping & Mailling Services and Supplies
Office Supplies, Books, and Audio Books
Marketing Materials & Direct Mail Campaigns
Clothing and Apparel
Music, Video, Video Games, and other Entertainment-Related Items
Gourmet Food (Yes, we are not kidding!)
What
if I have Great Personal Credit, can I choose to Personally Guarantee
the Business Credit Accounts and obtain more CASH Credit faster?
Yes, absolutely! As a matter
of fact, if your Personal Credit is strong
then we can combine it with the Business Credit America Program. We
are an Authorized Representative for Gboogie America
and work with them on files.
How does it all work?
It's all very simple yet very
complicated - Simple for you...we deal
with the complicated stuff. So, here is a Summary of the Business
Credit America Process:
THE BUSINESS CREDIT America
CREDIT-BUILDING PROCESS:
1.You call us 1-888-821-6408x2,
you tell us what program and what easy payment plan you want, we send
you an invoice. You make your first payment and we send you the
pass
code to fill out the necessary documents.
2. We analyze and prepare your
File.
3. We call you to go over your
File and do a Strategy Session with you
on the Phone to make sure we understand your needs and that you
understand how the process will work and what to expect.
4. We setup the Credit
Programs in our System and complete all the
Credit Applications that will be needed.
5. We activate the Credit
Program and you start receiving
automatic emails with each completed Credit Application and detailed
instructions on what to do to finalize each Application, get it
Approved, and get the Account to report positively to the Business
Credit Bureaus.
6. You call your assigned
Credit Expert if you have any questions or
need any help.
What is the Paydex
Score?
The Paydex Score is the
business equivalent to your Personal FICO
score, or Personal Credit Score. It is Dunn & Bradstreet's
unique dollar-weighted numerical indicator of how a firm paid its bills
over the past year, based on trade experiences reported to D&B
by various vendors. The D&B PAYDEX Score ranges from 1 to 100,
with higher scores indicating better payment performance.
The MINIMUM Paydex Score you
will want to have is 80, and the higher
the better. As you can see in the Paydex Score Chart below, in order to
achieve the Highest Possible Score you need to pay 30 Days BEFORE the
Due Date. This means that you should get in the habit of paying your
bills at the time they are incurred (Invoiced), and this is what we
will have you do as part of our Business Credit Building Process so you
can achieve the Highest Possible Score.
PAYDEX SCORE CHART
100
- 30 days sooner than terms
95
- 25 days sooner than terms
90
- 20 days sooner than terms
85
- 10 days sooner than terms
80
- ON TERMS
79 or Less
- Not Within Terms - You do NOT want to be in this Range!
What are the Major
Business Credit Bureaus that will be used when building my Business
Credit?
There are 3 Major Business
Credit Bureaus, they are:
1. Dun &
Bradstreet
2. Experian Business
3. Equifax Business
In order to succeed in
building Amazing Business Credit, you must build
a very strong Credit Profile with ALL 3 of the Business Credit Bureaus
- Building only your Dun & Bradstreet is NOT enough. Here at BusinessCreditAmerica.com
we focus on ALL 3 of the Business Credit Bureaus, so you achieve the
Best Results Possible.
I have done some
research and found other Companies that claim to do the same thing you
do, so what makes you better?
Well, we did that research too
before
starting BusinessCreditAmerica.com,
and here is why we are better than the rest:
1. We do all the
work that can be done for you.
Other Companies just tell you
what to do and hope that you actually
have the time and patience to do it all in the exact schedule
prescribed...They basically give you the Instructions Manual and you
have to assemble the Furniture...not so good.
2. We focus on
obtaining larger and more useful Credit Accounts and CASH Lines of
Credit so you can buy almost anything your Business may need using your
Business Credit.
Other Companies just focus on
getting you an 80 Paydex Score by
obtaining some relatively useless Credit Accounts that you will
probably never use...you are then left with an 80 Paydex but so what?
It didn't do you any good because you still can't buy the things you
really need using your Business Credit. Even worse, you may not even
get an 80 Paydex at all if they don't do that part of the process
correctly - Believe it or not, we get Clients that come to us all the
time that have been paying another Company for months to build their
Business Credit and we pull their Business Credit Reports and guess
what - They are all Empty or have just 1 or 2 Trade Experiences which
does them no good!
3. You do not need a
Seasoned Corporation that is 2 Years Old or older so
that you can achieve MORE Unsecured Credit FASTER than starting a New
Business or using an existing Business.
Other Companies
either don't know how the Business Credit Building Process work so
you end up having spent thousands of dollars on a Seasoned Corp only to
get a few relatively useless Credit Accounts that you will probably
never use...don't take that gamble please! What good is a Seasoned Corp
that has no Credit? Not much we don't think.
4. You will only
work with Experienced Experts and all they do all day long is
create and implement Strategies to
obtain Unsecured Business Financing - That is all they do and they are
very good at it!
Other Companies will hire
Minimum-Wage Call Center types that don't
really have the Knowledge and Experience needed to get you the Best
Possible Results...try them and you will see what we mean.
5. We are much more
organized and reliable. Here
at BusinessCreditAmerica.com,
everything that can be automated is automated. Everything is done
online, and we have an Amazing Back-End CRM System that works wonders.
We are also open Monday through Friday from 8 am to 10pm ET and there
are
always at least 1 Receptionists available to answers your calls.
Other Companies have
rudimentary or no Back-End Systems, and their
Phones often go to voicemail or give you busy signals when you
need
them the most...not the type of service you deserve.
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