Instant Credit Card Options for EmergenciesHouston McMiller, Credit Specialist, here to share some valuable information about the best credit cards you can apply for and use the same day, even in emergency situations. Let's dive in: Top Instant Credit Card Options
Instant Access with Big-Name Cards
Options for Lower Credit ScoresIf you have a lower credit score, consider cards like Milestone, Fortiva, and Avant, which may have higher fees but can provide instant access to funds. Honorable Mentions
Remember, these options can be valuable when you need immediate access to funds for an emergency or unexpected expense. If you have any questions about personal or business credit funding, or need help removing negative items from your credit report, click the link in the description to schedule a one-on-one consultation. I'm here to help! YouTube Source: https://www.youtube.com/watch?v=LroxE7YgbxQ YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSdG7vTjwmoOB5MFSvsp4kBu3sDmGsb95HJDtffBIv6ZwCvCVg/viewform https://www.tumblr.com/elizafereday/751240264306294784/ https://calendar.google.com/calendar/event?eid=OTFhbDdsZm5yYWl1bzFiYWsxMjk0bnFrdTggZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291320080/ https://www.linkedin.com/feed/update/urn:li:share:7199265027734872065 from Blogger https://elizafereday.blogspot.com/2024/05/effortless-10-instant-approval-credit.html
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Here is a 150-word summary of the video in a professional tone, with bullet points, bold phrases, and headings: ## Understanding Credit Scores: Banker Misconceptions As a Credit Specialist, I've come to realize that many bankers don't fully understand the intricacies of credit scoring and underwriting processes. When discussing credit scores and loan approvals, they often provide inaccurate information. For example: - **Myth 1:** It takes a long time to achieve an 800 credit score. In reality, you can get an 800 credit score within 30-45 days with just one good authorized user account. - **Myth 2:** Having an 800 credit score will automatically get you approved for a loan. This is not true, as banks also consider your debt-to-income ratio, and may deny loans even with an excellent credit score. To build an 800 credit score, the key factors are: - Maintaining low credit utilization (under 10%) across **3 open revolving accounts** - Having **at least one loan** on your credit file Additionally, it's important to understand the differences between FICO and Vantage scores, as well as how different institutions may pull from different credit bureaus. YouTube Source: https://www.youtube.com/watch?v=fKqG9SmZmV4 YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSe09SzhIvsmnHU3o26G0VQ9FqBYLcIn_fG0uPvplrKCwnENQQ/viewform https://www.tumblr.com/elizafereday/751164764332457984/ https://calendar.google.com/calendar/event?eid=NXUzdTNtOGNkNTBoNTdtNzZiaG9qbnJwNjQgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291302061/ https://www.linkedin.com/feed/update/urn:li:share:7198963032411000832 from Blogger https://elizafereday.blogspot.com/2024/05/boost-your-credit-score-to-800-in-just.html Navigating the Banking Landscape: A Guide for EntrepreneursAs a Credit Specialist, I'm often asked by entrepreneurs about the best banks to start their businesses with. Here's a comprehensive guide to help you navigate the banking world and increase your chances of funding success: Tier One Banks
Chase Bank, Citibank, and Capital One are considered Tier One banks. They typically use the FICO 8 scoring model.
Tier Two Banks
Wells Fargo is a Tier Two bank, using the Experian FICO 9 scoring system. They offer easier access to funding and can provide a line of credit after as little as 6 months of business credit card usage. U.S. Bank is another Tier Two bank that uses FICO 9 and provides convenient checks for liquidating card balances.
Tier Three Banks
Navy Federal Credit Union and Connector are examples of Tier Three banks that use Experian FICO 9, with Connector being a Community Development Financial Institution (CDFI) with more flexibility for small and minority-owned businesses. BCU and Vidiian are Tier Three banks that use the Vantage Score 3 system, which also considers authorized users, rental payments, and utility bills.
The key advantages of these Tier Two and Tier Three banks are their easier access to business credit cards and lines of credit, often without the lengthy waiting periods required by larger institutions. Many also offer 0% introductory APR periods on their business credit cards, providing valuable cash flow flexibility. Remember, when choosing a bank, consider your specific needs, credit profile, and the institution's scoring model to maximize your chances of securing the funding you need to grow your business. YouTube Source: https://www.youtube.com/watch?v=PAm5IXW1Uqg YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSdXvdK1wSIOD9fLGv-PXqYKUWByyuIGqbP38RrBW_sf5Gp9yA/viewform https://www.tumblr.com/elizafereday/751012501780660224/ https://calendar.google.com/calendar/event?eid=cGppanBqMG44NTFzNmc2aTA5NGVhZGMzdDAgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291254804/ https://www.linkedin.com/feed/update/urn:li:share:7198353985013993472 from Blogger https://elizafereday.blogspot.com/2024/05/the-top-10-banks-ideal-for-new.html Navigating the World of Alternative Lending: A Guide by Houston McMillerAs a Credit Specialist, I understand the challenges many individuals face when trying to secure financial assistance from traditional sources. If you're behind on your bills and finding it difficult to obtain help from banks or credit unions, there may be alternative options worth exploring. Exploring Fourth-Tier Lenders
Opportune: A Community-Focused LenderOpportune, a community development financial institution, is designed to assist individuals who typically struggle to obtain loans. Their loans range from $300 to $10,000, and the application process does not affect your credit score. Spot Loans: A Direct Lending OptionSpot Loans offers installment loans from $300 to $800, providing a more streamlined application process for those in need of immediate financial assistance. Additional ConsiderationsIf you have blemishes on your credit or need to remove negative items, consider consulting a professional to explore options for improving your financial standing and accessing alternative funding sources. YouTube Source: https://www.youtube.com/watch?v=02UtDOiVSDk YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSf0pTQ9hjxOUY3508B9V9CQdNdJkWBIV98kwT2QBMGGedMVJQ/viewform https://www.tumblr.com/elizafereday/750902819661496320/ https://calendar.google.com/calendar/event?eid=MGFobnBrYmpjamptY29vZDJzdG9zZDYzNWsgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291228953/ https://www.linkedin.com/feed/update/urn:li:share:7197915247242878976 from Blogger https://elizafereday.blogspot.com/2024/05/top-6-best-no-credit-check-loans-with.html Unlocking Business Car Loans: A Guide from Houston McMiller, Credit SpecialistAs a credit specialist, I'm here to share valuable insights on how you can leverage your business to secure up to four car loans, even with just one credit inquiry. Let's dive in: The Essentials for Business Car Loans
Preparing Your Business Documentation
Optimizing Your Business Financials
Navigating Commercial Vehicle Considerations
Remember, if you have any questions about business credit funding, personal credit funding, or removing negative items from your credit, don't hesitate to reach out. I'm here to guide you through the process. YouTube Source: https://www.youtube.com/watch?v=7NM5sgVg18k YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSeaZt5Ow8VdGuisvBrPH6rxTh9gGML-R8ZqFAU9dX8KKV1T_A/viewform https://www.tumblr.com/elizafereday/750701499629355008/ https://calendar.google.com/calendar/event?eid=NDkycmRlbjNjZTA1MXJoMjFwZmIxYzdzbWMgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291168064/ https://www.linkedin.com/feed/update/urn:li:share:7197109969261899776 from Blogger https://elizafereday.blogspot.com/2024/05/unlock-business-growth-with-2-credit.html Mastering Your PayEx Score: The Key to Business FinancingWhat is a PayEx Score?
Generating a PayEx Score
Importance of PayEx Score
YouTube Source: https://www.youtube.com/watch?v=KGUa47ZhuL4 YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLScLDGpXfaEsG0BpmgKbQC3h3TMzocvS35wCXMuEwaNIKINzHA/viewform https://www.tumblr.com/elizafereday/750626015448039424/ https://calendar.google.com/calendar/event?eid=b2U4bzMyNG9wdjVxdHRvcTY2Z2pjcWE5b28gZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291149820/ https://www.linkedin.com/feed/update/urn:li:share:7196808043496370177 from Blogger https://elizafereday.blogspot.com/2024/05/boost-your-business-achieve-80-paydex.html Leveraging Credit Cards to Overcome Debt: A Guide by Houston McMillerKey Strategies for Managing Debt:
Conclusion:By leveraging these credit card options and implementing the strategies mentioned, you can effectively manage and pay down your debt, ultimately improving your financial well-being. Remember to always consult with a professional if you have any further questions or require additional support. YouTube Source: https://www.youtube.com/watch?v=HbmeDXEzSwQ YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSePgOY97JjZ1YbzL80vA5bUREw16TwGuEeOjwxYmeY-6eEBnQ/viewform https://www.tumblr.com/elizafereday/750600830122655744/ https://calendar.google.com/calendar/event?eid=N243cTFybzk0NHRrbWlhdWVtYmYyNWJubWcgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291146444/ https://www.linkedin.com/feed/update/urn:li:share:7196707293709684736 from Blogger https://elizafereday.blogspot.com/2024/05/conquer-credit-card-debt-top-5-bank.html Here is a 150-word summary of the given text in a professional tone, with bullet points, bold key phrases, and headings: Profitable Business Ideas with $100As a Credit Specialist, I've been asked about the most profitable business one can start with just $100. Here are a few suggestions:Resell Used Equipment- Look on platforms like OfferUp for used equipment, such as jam-making tools - Buy and resell these items on eBay for a profitPressure Washing Service- Purchase a pressure washer for $40-$50 - Offer door-to-door trash can cleaning services, charging $5-$7 per can - Expand to offering a weekly trash removal service for a few dollars per householdAffiliate Marketing- **Create social media accounts on platforms like TikTok and Instagram** - **Promote products through affiliate marketing, without having to create or own the product** - **Start a YouTube channel and promote affiliate products you demonstrate**Low-Cost Opportunities- **Consider simple services like painting house numbers on curbs for $40-$50 per job** - Become a "middleman" for printing services, earning 25% commission on client referrals The key is to leverage your resources and find low-cost opportunities that can be scaled up. With some creativity and hustle, a $100 startup can become a profitable business.YouTube Source: https://www.youtube.com/watch?v=fltGYsCBFn4 YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLScLjp_x19DOjUH5SHzWmowPo0cv00csPJKp9u9bOLS-zAAmEQ/viewform https://www.tumblr.com/elizafereday/750525332145192960/ https://calendar.google.com/calendar/event?eid=ZGYxOWdpZXVtMTB0dTQzY25icWh2aWI3amsgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291128060/ https://www.linkedin.com/feed/update/urn:li:share:7196405310658404352 from Blogger https://elizafereday.blogspot.com/2024/05/unleash-your-entrepreneurial-spirit-4.html 5 Credit Cards to Leverage for Debt ReliefAs a Credit Specialist, I'm excited to share with you five credit cards that can help you get out of debt. Whether you're struggling with high-interest rates or mounting balances, these cards can provide the financial flexibility you need to regain control of your finances. The Cards to Consider
Access to Free Funding VideosIf you're interested in learning more about how to access funding regardless of your credit type, be sure to leave a comment with the word "Houston." I'll be happy to provide you with access to my free video series that covers these strategies in detail. Remember, taking control of your debt is a crucial step towards financial freedom. By leveraging the right credit cards and resources, you can embark on a journey towards a debt-free future. Let me know if you have any questions - I'm here to help! YouTube Source: https://www.youtube.com/watch?v=rtGau5UD_TY YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSe1tm7DYcHxYDCBHva35YMg6rXBqzkKkn4PulJDkMwwhEJyKA/viewform https://www.tumblr.com/elizafereday/750500161711734784/ https://calendar.google.com/calendar/event?eid=bHIydHFzaDNubmZrOTdyZjhzMGF1aXVsa2sgZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291121512/ https://www.linkedin.com/feed/update/urn:li:share:7196304630409027585 from Blogger https://elizafereday.blogspot.com/2024/05/5-effortless-credit-card-strategies-to.html Here is a useful blog post in the tone of Bev O'Shea about getting your real Equifax credit file: Your True Equifax Credit Score: Where to Find ItAs a credit expert, I often get asked where people can access their real Equifax credit score. Many are surprised to learn that the score they see on Equifax's website is not their true FICO score, but rather a Vantage Score. Here's what you need to know to get your authentic Equifax FICO 8 score:Where to Find Your Equifax FICO 8 Score
myFICO: This is the best place to get your real Equifax FICO 8 score. myFICO provides 28 data points and multiple scoring models. Discover: Discover will give you your Equifax FICO 8 score, even if you're not a Discover customer. This can be a helpful option. Citi Bank: Citi Bank is another source for your Equifax FICO 8 score.
Boosting Your Credit with a Secured CardIf you have bad credit, here's a strategy to help improve it: - Sign up for a secured credit card with Discover - Put down a $200-$250 security deposit - Only use 10% of your credit limit each month - After 6 months, the card may become unsecured and your limit could doubleBeware of Vantage ScoresWhen you check your score on Equifax.com, you're actually seeing a Vantage Score, not your true FICO score. This is an important distinction to understand. By knowing where to find your authentic Equifax FICO 8 score and using smart credit-building tactics, you can take control of your credit profile. Let me know if you have any other questions!YouTube Source: https://www.youtube.com/watch?v=8VNALDzUaWY YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://docs.google.com/forms/d/e/1FAIpQLSdvJEFNQ4nAhjphhPaayjakV0ZYFIMmkuyu8b4dPhHk11rtTw/viewform https://www.tumblr.com/elizafereday/750322261765111808/ https://calendar.google.com/calendar/event?eid=cHN2ZGs5ZWZodGMwOTM1MTk1YWVxNHAyZTggZWxpemFmZXJlZGF5QG0 https://www.pinterest.com/pin/628392954291079778/ https://www.linkedin.com/feed/update/urn:li:share:7195593027585728512 from Blogger https://elizafereday.blogspot.com/2024/05/equifax-credit-report-reviews.html |