How to Score a Perfect 100% on Google PageSpeed Insights

When it comes to building a conversion rate and search engine optimized website, speed is crucial.

If you don’t have a fast website, people will bounce faster than you can say “conversions.”

However, speeding up your website is no easy task.

Your problem could be anything from code that’s written poorly to images or large page elements.

You need to fix those issues fast, because Google will ding your website if you don’t.

The faster your site loads, the lower the bounce rate. If your site is fast, you have a better chance of ranking on Google over slow sites that drive high bounce rates.

Thankfully, Google offers the PageSpeed Insights tool to find out what you need to fix.

Unfortunately, they don’t give you the best instructions on getting your score to 100%.

Here’s how to score a perfect 100% on Google’s PageSpeed Insights and why you need to accomplish this feat.

Why Page Speed Matters

Page speed is a critical factor in ranking your website higher on Google’s search engine results.

If your website isn’t on par with the top 10 organic pages, you won’t rank on the first page.

So focusing on page speed is paramount to having a successful company and a website that converts.

Backlinko recently conducted a study where they analyzed over eleven million search engine results pages (SERPs) on Google.

They wanted to figure out which factors were the most common among sites ranked in the top 10 results.

Surprisingly, they found page speed and ranking don’t seem to be correlated. However, the average load time of a site on the first page is 1.65 seconds, which is decently fast.

page speed insights report

However, Google says page speed does matter. There was even an entire update about it.

That connection is backed up and supported by Google’s new PageSpeed industry benchmarks.

They found that as page load times go up, the chance of someone bouncing from your site increases dramatically:

google page speed

That means that if your page takes 10 seconds to load, the likelihood of someone leaving your site before it even loads increases by more than 120 percent!

But according to a recent study of more than 5 million sites, the average website takes 10.3 seconds to load fully on desktop and 27.3 seconds to load on mobile.

This means almost all of us are missing the mark when it comes to having a fast-performing website.

In another study, BigCommerce found that conversion rates for e-commerce websites average somewhere in the one to two percent range.

Portent found page speed can increase conversion rates drastically.

Getting your speed to under two seconds can increase traffic and revenue.

So, what causes a page to load slowly?

The most common causes of slow pages are bulky images and poorly-designed coding.

If you look at any website in the modern era, it’s likely filled to the tipping point with images.

If you aren’t optimizing your images, you could have pages that take up multiple megabytes of space.

Page size and weight are often measured by page weight bytes. Simply put, page weight bytes show the total size of a web page measured in bytes.

Google’s benchmark data shows that the best practice for page size or weight is under 500KB:

pasted image 0 261

But again, most of us are missing the mark here. We are vastly exceeding the recommended weight.

One of the concepts that stood out to me the most from the Google report comes from this short yet impactful quote:

“No matter what, faster is better and less is more.”

No matter how well your site is doing, there’s a good chance you have serious room for improvement.

How to Use PageSpeed Insights Tool

Most sites run slowly due to large images that take up too much space.

But that’s not always the case for every website.

You need to know exactly what’s causing your slow site speeds before you can make the necessary changes to score 100% on the PageSpeed Insights tool.

To get started, open up the PageSpeed Insights tool and enter your website URL into the bar:

pagespeed insight tool

Click “Analyze” to have Google run a quick test on your site.

The finished report will tell you everything you need to know about your site and what might be hindering its performance.

Here’s what my report looks like:

page speed insights report

It’s an 87/100.

It’s not great. It’s not terrible either, though.

There’s almost always have room for improvement. My goal here is to get you to 100% by the end of this article as we take this journey in page speed together.

First, let’s look at the items that I have optimized and perfected:

page speed insih

Now, notice how there are only a few items on this list compared to my “Possible Optimizations” list:

page speed insight optimizations

This information tells me that the items on “Possible Optimizations” are a little less impactful than those I have already optimized.

Obviously, you’ll need to take care of every element to hit 100% on the Page Speed Insights tool.

You’ll want to start with the top priority items (more on this later).

Next, we want to test our mobile site separately.

You can use the mobile site tester on the PageSpeed Insights tool, but Google released an updated, more accurate version of this.

Head over to Test My Site to try it. Input your website URL and hit enter:

mobile site speed test

Google will take a few minutes to run this report, but it will give you a detailed look at how your mobile site performs compared to industry standards.

It will even tell you how many visitors you could be losing because of a lower page speed.

Here’s what my data looks like:

mobile site speed test report

My load time on mobile is four seconds.

Remember: The recommended load time is three seconds or less.

That means that my speed isn’t up to par with industry standards.

Due to that, I am losing up to 10 percent of my visitors simply from poor speed performance!

Here’s what my mobile test looks like when I compare it to the industry standards:

page speed industry comparison

While still in the top-performing section, I am not where I should be if I want to maximize the effectiveness of my website or drive more traffic and conversions.

Scroll down even further and Google will give you an estimate on what your top fixes could do for your website:

page speed insights how to improve speed

Google says that with a few fixes I could reduce my load times by around three seconds.

That means that I could potentially get my website to load at the one-second mark!

That’s amazing. Trust me, to save 10 percent of your visitors or more, it’s something that you need to do.

Run your website through this mobile site test to get data on what fixes you need for your website.

In this next section, I’ll walk you through fixing the top page speed problems to help you score a 100% on the PageSpeed Insights tool.

4 Ways to Land a Perfect PageSpeed Insights Score

Getting a perfect 100% on Google’s PageSpeed Insights tool is no easy task.

It’s not going to happen overnight, either. You’ll have to do some legwork and spend some hours at the grindstone.

But if you want to save traffic, drive more conversions, and bring in more revenue, you need to do it.

It may be tedious and tiresome, but you need those conversions. You can’t be lazy and risk leaving traffic and profit on the table.

Here are the top four ways you can speed up your site and score a perfect 100% with Google.

1. Compress Your Images

The biggest cause of slow pages and low scores is large images.

When I fixed this on my own site, I found a huge impact on speed.

One of the top optimization techniques for fixing image size is compression.

You can save an average of 50 percent or more on image size by using simple compression tools.

If you use WordPress, one of the best ways to do this without spending much time is to use a plugin, like WP Smush Image.

how to improve page insight speed using smush image

WP Smush has tons of awesome features for free.

You can smush images automatically by adding the plugin. It will scan your media library on WordPress and detect images that it can compress:

improve page speed insights score wp smush

If you want to smush tons of new images for your site in bulk, you can upload them directly into the plugin.

You can smush up to 50 images at a single time, making it one of the fastest tools on the market:

bulk smushing google pagespeed insights tool example

If you head to the settings for this plugin, you can turn on the setting to automatically smush images on upload.

bulk smushing google pagespeed insights automatic

If you enable this setting, you’ll never have to worry about compression again. And if you compress all of the existing images on your site, then you don’t have to worry about it every time you upload.

WP Smush is an excellent, free tool for the everyday WordPress user.

But, if you don’t use WordPress, what do you do?

If you run a Shopify-based store and site, you can use Crush.pics:

page speed insights crush pics shopify tool

Crush.pics says that you can expect a big jump in PageSpeed Insights scores using their tool:

PageSpeed score before compression: 75/100. PageSpeed score after compression: 87/100

If you aren’t familiar with plugins or don’t like to use them for your site, you can use free tools online like Compress JPEG or Optimizilla.

Both are fast, free tools that allow you to compress up to 20 images in a single upload.

Check out this example image that I compressed to give you an idea of how impactful these programs can be:

pagespeed insights optimize image example

I reduced the file size by 68 percent in just two seconds using Optimizilla. It reduced the size from 380KB to 120KB with almost no quality difference!

You can use all of these tools for free and you should definitely implement them if you can’t use a plugin.

2. Use Browser Caching

Browser caching works by “remembering” the previously-loaded resources so that it doesn’t have to reload them upon every single visit.

When a website visitor travels to a new page on your site, all of your data, like logos and footers, won’t need to load again.

That will result in a big increase in speed when people land on your site.

How do you implement it? Thankfully, there’s a plugin for it. You don’t need to be a coding expert to do it.

Try using W3 Total Cache for WordPress sites. It’s got over one million active installs and is the most popular caching plugin on the market:

google pagespeed insights w3 cache tool

W3 Total Cache claims that it can give you at least a 10x improvement in overall site performance.

On top of that, they claim (and back up) that this plugin will help you achieve higher results on Google’s PageSpeed tools.

The tool also helps you minify HTML (which we will dive into next), JavaScript, and CSS, giving you up to 80 percent bandwidth savings.

Try using W3 Total Cache today to give your website a fast, easy boost in speed even if you don’t have coding experience.

3. Minify Your HTML

Minimizing the space your HTML coding takes up is another big factor in getting a perfect score from Google.

Minification is the process of removing or fixing unnecessary or duplicated data without impacting how a browser will process the HTML.

It involves fixing code, formatting, removing unused code, and shortening code when possible.

Once again, thanks to the awesome plugin options of WordPress, you don’t need to be a coding genius to fix this.

One of the best tools to do this is HTML Minify.

You can download this plugin for free directly from their site and install it to your WordPress account in seconds.

You can also install it directly from this plugin page.

google pagespeed insights minify HTML

Once you install the plugin, you only need to take a few steps before you see an instant impact on your site.

Head to the settings tab on your Minify HTML plugin and enable all of the following settings:

page speed insights minify code tip

You can effectively kill multiple birds with one stone.

Google’s PageSpeed Insights recommends that you minify HTML, JavaScript, and CSS.

Enable the “Minify HTML” + “Inline JavaScript” settings.

Next, be sure to select yes for “Remove HTML, JavaScript and CSS comments.”

The great thing about this plugin is that it will tell you what the recommended action is under each setting.

Follow these actions if you are unfamiliar with how these settings work.

Minify your coding today and you should see an instant impact on your insights report.

4. Implement AMP

AMP is short for Accelerated Mobile Pages.

It’s a project implemented by Google to help mobile pages load faster.

It works by making an open-source format that strips away tons of unnecessary content, making your mobile pages load nearly instantly.

It gives users a more streamlined experience on mobile without any clunky features that don’t work well on mobile devices.

If you browse the Internet on your mobile phone, you probably have clicked on an AMP-based article.

Here’s what they look like:

google pagespeed insights guide AMP

They are often relegated to the “Top Stories” section of Google search results and they load up instantly.

They don’t have much formatting, which helps them load quickly and deliver the content that the mobile user wants to see.

When a searcher on Google clicks one of these AMP articles, they see the content like this:

google pagespeed insights amp example

It’s a simplified version of the real website that allows a user to scroll between different stories without leaving the web page and clicking on the next.

This feature streamlines the user experience on mobile.

Gone are the days where you had to wait 10 seconds for a site to load, then click back to the search results page, and wait another 10 seconds for the next site to load.

Here you can access the content of multiple articles without clicking the back button once.

It’s extremely effective at speeding up your site and reducing the likelihood that someone will leave.

Tons of companies are taking advantage of AMP.

The company WIRED started implementing AMP to do a better job of reaching their customers.

google pagespeed insights wired example

They were finding that their mobile user experience was too slow. Conversions were simply not happening because of the speed issues and visitor retention problems.

Deciding to invest time into AMP made a huge impact for WIRED.

They increased their click-through rate from organic search results by 25 percent.

They found a 63 percent increase in CTRs on ads in AMP stories, too.

They also were able to add AMP stories to over 100k articles on their site.

Gizmodo also hopped on the AMP train and saw huge improvements on their mobile site.

pagespeed insights case study on AMP

They were getting over 100k AMP page visits every single day with load times that were 3x faster than standard mobile pages.

Conversions increased by 50 percent, too.

It’s safe to say that AMP can significantly increase conversions and mobile speed, giving you a massive opportunity to score higher on Google’s PageSpeed Insights.

If you want to start using AMP on your own site, there are a few ways to do it.

If you’re familiar with HTML, you can follow AMP’s detailed tutorial here.

For those who are less technologically savvy or have no experience in HTML, try using a WordPress plugin.

One of the most popular plugins is AMP for WP.

AMP For WP google pagespeed insights guide

It has over 80,000 active installs and has constant support and updates.

The plugin includes an AMP page builder that you can easily drag and drop page elements on:

page speed insights AMP builder page

It’s one of the easiest ways to create AMP-friendly content.

All you have to do is download and install the plugin on your WordPress dashboard and activate it.

From there, you can use the page builder on each new post that you upload.

These pages will then create an AMP-friendly version that will show up in mobile search results.

AMP is a proven way to speed up your mobile site and reduce your speed to under one second–and tons of companies are finding success with it.

Google PageSpeed Insights FAQs

Why is page speed important?

Google uses page speed as a ranking factor because it affects user experience. It may affect your ability to rank higher in SERPs.

How does bounce rate correlate to page speed?

Studies have shown that sites that load faster have a lower bounce rate. This means the user is likely having a better experience.

What industries have the slowest sites?

On average, technology and travel sites load the slowest, where local and classified sites load the fastest.

How fast should a site load?

The best practice for page speed load time is three seconds.

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Google PageSpeed Insights Conclusion

When you’ve spent countless days, weeks, and months building a new website, you want every image, element, and icon to be top-notch.

However, that often results in a site that is slower than Google recommends.

When it comes to driving conversions on your site, speed will always play a big role.

People don’t want to wait 10 seconds for your site to load when they can click back to Google and select the next result.

Scoring well on the PageSpeed Insights test should be one of your main priorities when trying to perfect and optimize your site.

To get started, you first need to diagnose what issues are plaguing your site.

Is it images, page elements, too much text, bad coding, or all of the above?

Use the Google PageSpeed Insights tool to see where the problem lies, then work through their suggestions. You’ll also want to minify code, compress images, add browser caching, and implement AMP.

These are proven steps that can have a big impact on your PageSpeed Insight score.

Scoring a perfect 100 percent on Google’s PageSpeed Insights can give your website the boost that it needs to succeed.

What are the best ways you have found to increase your site speed?

5 Hacks to Get a Credit Score Increase for Your Business

It’s easy to find quick tips on how to increase credit score on your personal credit report.  You won’t find as much about business credit score at all, let alone how to get a credit score increase. Many business owners do not even know a business can have its own credit score, while others think their business has one and in reality,  it does not. 

Build a Solid Business Credit Profile and Watch Your Credit Score Increase

A business credit score is very different from a personal credit score.  The information a lender gets from it is similar, but it is related to the creditworthiness of the business separate from the owner.  Your business credit accounts do not affect your personal credit score at all.  

Keep your business protected with our professional business credit monitoring.

This protects your personal finances if your business doesn’t do well.  Your personal credit will not suffer due to unpaid business accounts, and you can retain the ability to purchase things like a house or a car. 

Beyond that, a strong business credit score gives you access to more funding for your business.  This can help you be more successful, and help ensure your business can thrive.  But, how do you even begin to build a business credit score, let alone get a credit score increase.

Hack #1: Proper Setup

Your personal credit score just kind of happens.  You get credit, pay your bills on time, and the accounts report your payments to your credit report. If you handle your personal credit responsibly, you will have a good score.  If not, you won’t. 

A business credit profile is different.  You have to work intentionally to establish it and build your score. Just because you have a card that says “business credit card” on it does not mean it is in your business name. It isn’t necessarily reporting to your business credit report.  It could, and in fact probably is, reporting to your personal credit if you haven’t taken some steps to separate your business from yourself. 

If your business is not set up to be a fundable entity separate from you the owner, you won’t have a business credit score at all. So, the first step is to increase it from non-existent into existence by setting up your business to be fundable. Here’s how. 

Contact Information

The first step in setting up a foundation of fundability is to ensure your business has its own contact information.  That doesn’t mean you have to get a separate phone line, or even a separate location.  You can get a business phone number easily that will work over the internet instead of phone lines.  In addition, the phone number will forward to any phone you want it too so you can simply use your personal cell phone or landline if you want.  Whenever someone calls your business number it will ring straight to you. 

You need a physical business address. A PO Box or an UPS Box will not work. 

Keep your business protected with our professional business credit monitoring.

EIN

The next thing you need to do is get an EIN for your business.  This is an identifying number for your business that works in a way similar to how your SSN works for you personally.  You can get one for free from the IRS. You may still have to provide your SSN for identification purposes, but your EIN will designate your business as separate.

Incorporate

Incorporating your business as an LLC, S-corp, or corporation is necessary to fundability.  It lends credence to your business as one that is legitimate. It also

offers some protection from liability. 

Business Bank Account

You have to open a separate, dedicated business bank account.  There are a few reasons for this.  First, it will help you keep track of business finances.  It will also help you keep them separate from personal finances for tax purposes, and some creditors require a separate account. Also, it is a requirement for a merchant account, which allows you to accept payments via credit card.

Hack #2: Add Accounts That Report

Here is another key way that your business credit profile is different from your personal credit profile.  Pretty much all personal accounts report your payments, or lack thereof, to the credit reporting agencies (CRAs).  In contrast, only about 7% of business creditors will report payment history to your business credit report. This makes finding accounts that will report to the business CRAs essential.  

It’s easier said than done however.  Creditors do not make this information easy to find.  We have a hack that can help you find vendors that will report, so don’t stop reading. 

 

Hack #3: Pay bills on time!

Okay, so if you made it this far and realize you may not have a business credit score at all, now you know how to fix it.  However, if you do already have an established business credit profile, but need a credit score increase, this is the key.

It sounds like a no-brainer, and most asking the question of how to get a credit score increase are looking for a different answer.  However, this is the absolute best way to raise your credit score.  

In fact, it is much more important with business credit scores than with personal credit scores. That’s because there are a few different things that are used to calculate personal credit.  Payment history is one of them, and the most important, but it is not the only one.  Also, a payment isn’t really considered late for personal credit score purposes until it is over 30 days late. 

Keep your business protected with our professional business credit monitoring.

When it comes to your business credit score however, payment history is virtually all that matters.  Not only that, but a payment is reported as late when it is as little as one day late. So, late payments have a much larger impact on your business credit score. Do whatever you have to do to get those payments in on time.

Hack #4: Make Sure Your Personal Credit Score is on Track

Now here is a fun twist.  Remember how I said your business credit accounts do not affect your personal credit score? The reverse is not exactly true.  While personal accounts do not report to the business credit CRAs, your personal credit can be used in the calculation of your business credit score in some cases.  So, one way you can potentially increase credit score for your business is to improve your credit score on your personal credit profile. 

 

 

Hack #5: Work With a Business Credit Expert

Here is the number one hack if you are looking for a credit score increase.  You absolutely need a business credit expert.  It’s not hard to raise your personal

credit score.  All accounts report, and paying on time and being otherwise responsible with your credit does the trick.

A business credit score is much more complicated.  Establishing a profile isn’t so hard, but there is a lot more to fundability than that. In fact, there are over 100 factors that contribute to the fundability of a business.  That means, you could pay your debt responsibly for years, and if you do not have accounts that report it will make no difference. Even worse, without some help, you may never know what is causing you to be denied funding.

A business credit expert can walk you through the process and help you navigate the complicated web of fundability.  They can help you analyze it and figure out how to improve it if needed. Then, they know where to look and who to talk to to help you find accounts that report.  In the end, a business credit expert is the best way to build credit score for your business. 

Get a Credit Score Increase By Working With a Business Credit Expert

Technically you could give this a shot yourself now that you know what’s what. However, as you can see in the image above, it’s a lot.  There is a secret sauce of sorts, and it pays to have a business credit expert help you.  They know the secrets, and they can save you a lot of time.  We all know time is money, and with all the tiny details, chances are if you try to do it alone something will be missed.  An expert can walk alongside you and make sure you take the fastest, smoothest route possible to building a strong overall business credit profile.

The post 5 Hacks to Get a Credit Score Increase for Your Business appeared first on Credit Suite.

5 Hacks to Get a Credit Score Increase for Your Business

It’s easy to find quick tips on how to increase credit score on your personal credit report.  You won’t find as much about business credit score at all, let alone how to get a credit score increase. Many business owners do not even know a business can have its own credit score, while others think … Continue reading 5 Hacks to Get a Credit Score Increase for Your Business

What’s the Best Way to Improve Credit Score for You and Your Business?

If you are thinking of starting a business, you are likely thinking about funding.  Can you afford to start a business?  If you have a good credit score you probably aren’t worried. If your credit score isn’t great, you may be wondering “What’s the best way to improve credit score in time to start a business?”  

Best Way to Improve Credit Score, Both Personal and Business

The thing is, that’s the wrong question. You need to be asking yourself “What’s the best way to improve credit score for myself and my business?”  Whether your business is brand new or fully established, it needs a strong business credit score to thrive. 

Many business owners do not even know that their business can have a credit score.  They assume everything rests on their personal credit.  Others know their business can have credit all it’s own, but do not truly understand how a business gets its own credit score. That knowledge is key to learning the best way to raise your credit score and how to build a strong business credit score.

Keep your business protected with our professional business credit monitoring.

Personal Credit Score vs. Business Credit Score: What You Need to Know

Your business credit profile is the overall picture of the creditworthiness of your business. Lenders look at it to determine whether or not they want to lend to you.

To better understand the best way to raise credit score for your business and how it is different from your personal credit score, you need  to understand some of the differences between business credit profiles and personal credit profiles.  There are many, but these specifically seem to cause a lot of misunderstanding and confusion among borrowers when they get a funding denial. 

How You Establish Each Type of Credit Profile

The biggest and probably most misunderstood difference is in how you establish the two profiles with their accompanying scores. Pretty much everyone knows that with your first debt, usually a credit card, you begin building your personal credit score.  If you handle your credit responsibly, you will have a good score. If you do not, your score will be bad.  

You do not have to do anything to open a credit profile for yourself.  As you pay your debt, the creditor reports your payments, or lack thereof, and your score builds from there.  Such is not the case with your business credit profile. 

You have to intentionally set up your business in a way to establish your business credit profile.  This means fully separating it from yourself as the owner by having separate contact information, an EIN, and D-U-N-S number, incorporating, and opening a separate bank account.  In fact, this is the first best way to improve your business credit score.  Before these things are done your business will have no credit profile or credit score of its own. 

Late Payments

Both business and personal credit reports are affected greatly by late payments. Yet, business credit scores are affected faster and more profoundly. Late payments are not reported to personal credit reports typically until they are 30 days past due. Late payments on business credit accounts are reported if only one day late.

Inquiries

Hard credit checks on your personal credit will lower your credit score. However, business credit reports are different. A credit check on your business credit profile does not affect your business credit score. 

Data Reported

In addition to late payments being reported much more quickly, accounts on your business credit profile are listed by industry.  In contrast, personal credit lists the name of the company that issues the credit.

Also, personal credit reports show the exact amounts of accounts, while business credit reports show rounded amounts. How long data stays on a personal credit report varies, but typically it’s the life of the file. Information stays on business credit reports an average of 3 years.

Keep your business protected with our professional business credit monitoring.

Also, with personal credit accounts,  almost every account reports to the credit reporting agencies. In contrast, only about 7% of business credit accounts report to business credit reporting agencies. This is why you have to intentionally seek accounts that will report to business credit reporting agencies (CRAs), and that is only one of many reasons working with a business credit expert is the way to go.  

One last thing to note about business credit versus personal credit is this. While your business credit profile is totally separate from your personal credit profile and does not affect in any way, the reverse is not true.  Your personal credit information can affect your business credit profile, and in some cases, even your business credit score. 

Best Way to Improve Credit Score: Personal 

Most people know many ways to do this, but what is the best way to improve credit score on your personal credit profile?  Frankly, it’s to pay your bills consistently on-time.  That said, sometimes that isn’t the problem.  Furthermore, sometimes you need to make other improvements while you work on paying on time. 

Personal Credit Score Monitoring

This is easy and free. You can get a free copy of your credit report annually.  The first thing you need to do is look over it for mistakes. If you find any, contact the CRA in writing. Send with your letter copies any documents you have to support your case. This may be receipts, bank statements, anything that proves that what you are saying is a mistake is indeed a mistake. 

After that, look closely for what else could be causing issues.  Is too much available credit being used? Are there too many late payments? The best way to fix this is take a long, hard look at your budget.  Cut wherever you can to start making more than the minimum payments. 

A good strategy is to put all available extra cash on the highest interest debt.  Then, when that is paid off, put that entire amount, extra plus the minimum, on the next highest interest debt, and so on.  This is called the snowball method, and it can help you raise your credit score significantly if you stick with it. 

After that, there are many free apps to help you track your personal credit score throughout the year. This is the best way to get credit score information on a regular basis. Typically, you can get a snapshot of what your credit looks like once a month with these, and if you pay a fee you can see it in real time. This can let you see if your efforts are working, and show you if something is amiss. 

Best Way to Improve Credit Score: Business

Understanding how your business credit score is different from your personal credit score helps a lot. For example, now that you know that a business credit account can report a late payment even one day late, you can plan accordingly.  

Furthermore, knowing that not all business accounts report lets you know that you need to intentionally look for those that will report to raise your score.  

There are a few ways to do this. First, talk to any vendors you already have a relationship with.  Ask them to report your payments to the business CRAs.  They don’t have to, but they may.  It can only help you. 

Next, talk to utility, phone, and internet providers. You pay them monthly already.  Ask them to report those payments.  Again, they do not have to. Still, if they agree, it can only help you. 

After that, actively seek out accounts that report. The problem is, most vendors do not make it publicly known whether or not they report. This is just one of the many ways a business credit expert can be helpful. They have inside information and relationships with vendors to help you get this information and more.

Keep your business protected with our professional business credit monitoring.

Business Credit Score Monitoring

This is a whole other ballgame. First, business credit score monitoring is never free.  You may be able to get a peek as a one time free trial promotion, but for the most part you have to pay to see what is on your business credit profile.  One exception is, if you get a loan denial because of what a lender sees on your business credit report. They have to disclose that, and you can get a free copy of your business credit report as a result. 

While all the major business CRAs offer credit monitoring services, they are pricey. Credit Suite offers business credit monitoring for a fraction of the price. 

Follow the same steps as you would with your personal credit profile. If you see a mistake, contest it.  Each of the bureaus has directions on how to do so on their website. 

There is More Than One Best Way to Improve Credit Score, and More Than One Credit Score to Improve

All the best ways to get your credit score up involve one thing, knowledge. First, you have to know how to see what is one your credit report.  Then, you have to know what to look for so you can know what the problems are. After that, you can fix them. One thing remains true however.  The hands down best way to improve credit score, whether personal or business, is to pay your debt on time.  If you need help on the business side, Credit Suite has you covered. Talk with one of our qualified business credit experts today!

The post What’s the Best Way to Improve Credit Score for You and Your Business? appeared first on Credit Suite.

You Can Boost Credit Score Fast

Did You Know You Can Boost Credit Score Fast?

Yes, you really can boost credit score fast for your business.

But let’s start with some definitions and background on business credit.

Business Credit

This is credit in a business’s name. It is not tied to the owner’s creditworthiness. Instead, business credit scores depend on how well a company can pay its bills. Hence consumer and business credit scores can vary dramatically.

Business Credit Benefits

There are no demands for a personal guarantee. You can quickly get business credit regardless of personal credit quality. And there is no personal credit reporting of business accounts. Business credit utilization won’t affect your consumer FICO score. Plus the business owner isn’t personally liable for the debt the business incurs. And yes, you can boost credit score fast.

Business Credit Details

Being accepted for business credit is not automatic. Building business credit requires some work. Some of the steps are intuitive, and some of them are not.

Fundability

Fundability is the current ability of our business to get funding. Some factors are within your control. Others (like your time in business) aren’t. Your online presence and data are one area which is at or close to 100% with your control.

Boost Credit Score Fast: Understand Fundability, and Business Funding Applications

The better your business credit and fundability are, the more likely you will get approval for business financing. Today, let’s concentrate on your online presence, that is, your email address and your website. It’s a great way to work to boost credit score fast.

Lenders Use Data to Decide on Your Application

They check information from a variety of sources, and they don’t tell you about any of them. Knowing what these secret sources measure can only help you. Understanding what matters the most makes getting a loan A LOT easier, because you know what to improve first. This information is the difference between getting an approval and getting a denial.

Lenders Use LexisNexis Information

LexisNexis is one source where many of the lenders reviewing loan applications get their information from. They offer information regarding likelihood to pay, or not. Lenders compare LexisNexis information to what you put on your loan application. If the application and LexisNexis don’t match, then, the loan providers will deny you a loan. They will see the inconsistency as fraud.

LexisNexis connects all of the data that pertains to you, both positive and negative. They have access to

  • criminal records
  • every email address you’ve ever used (these are your professional and personal email addresses)
  • your speeding tickets
  • any mortgage you have ever held

Keep your business protected with our professional business credit monitoring.

Lenders Use Online Information Including Your Business Email and Website

One place where lenders and vendors will be looking for your business is online. Even if they’re not specifically checking out your online presence, they may still need to know how to order your product or service, or where to send praise or complaints. Your online presence is where they will find that information, or not.

Boost Credit Score Fast and Work on Your Website

What happens if your family member or a friend built your website? Maybe that person is talented, but business websites differ from personal ones. A business website needs to be easy to navigate. It needs to answer customers’ questions.

Styles differ. Wedding photographers and construction companies differ. They have dissimilar sites and design sensibilities, but they both have Contact and About pages, and information about what they do.

Make sure you own your domain, and not just your domain at Wix or WordPress or the like. You can do this by buying hosting. This is through hosting companies like GoDaddy or HostGator.

Your Email Address

Given that so much more of lending decisions is going on online these days, then your email address is an opportunity for your business to puts its best foot forward. Don’t squander this easy and free opportunity! General email addresses like admin@yoursite.com tend to be best.

With a general email address, if someone leaves your employ, another employee can seamlessly take over that email address. A username like admin, webmaster, or even hello is far, far better than cutiepie or the like, even if you’re in a playful industry that caters to kids. After all, your bank and banker aren’t.

Records Congruency

Keep your records consistent! This includes your online records. LexisNexis and the SBFE (Small Business Financial Exchange) are looking at everything, so it had better match.

Inconsistent records will lead to a denial due to fraud because that’s how lenders interpret inconsistencies. This is a cause of denials which is in the business owner’s hands. You have the ability to change and correct this.

This means your business name, address, phone number – everything! – must look the same in these places and more:

  • Every place your business has an online presence (your website, Yelp, SoTellUs, etc.)
  • IRS records
  • Your business’s records with Dun & Bradstreet, Experian, and Equifax
  • All licenses needed to run your business
  • Incorporation documents

Copy/paste this information; don’t chance it with retyping.

Keep your business protected with our professional business credit monitoring.

Boost Credit Score Fast with Fundable Business Credit Applications – Avoid Denials

Keep your business looking fundable (legit) with:

  • A professional website and email address
  • A toll-free phone number
  • List your phone number with 411
  • A business address (not a PO box or a UPS box)
  • Get all necessary licenses for running your business

Online Fundability

There are some aspects of fundability where you should pay particular attention to what’s going on online. They include:

  • Business owners listed and listed ownership uniform
  • Business name and address uniform
  • Industry aligned
  • Company domain
  • Information uniform on all records

Business Ownership Listings

Records consistency matters here, too. Your website should show who owns your business. And that information needs to be consistent. So if the owner is named Susan Johnson on your website’s About page, then she can’t be listed as Sue Johnson on your Contact page. If your business ownership changes, you need to show that here.

Business Name and Address Uniformity

Abbreviations can be your downfall here, as can punctuation like hyphens, commas, and colons. If your Contact page says your main office is on Main Street, then your About page can’t say it’s on Main St.

If your business moves, or you add subsidiaries and other locations, then you need to update that information everywhere. This even means whether you use your 5-digit ZIP code, or a ZIP plus 4 code (9 digits).

Keep your business protected with our professional business credit monitoring.

Industry Alignment

If your business is over the road trucking, then it needs to be listed that way. Pro tip: when your industry can be called several different names, like long distance trucking, mention those other phrases on your website.

Your Company Domain

When your company domain matches your business name, it helps with fundability. Pro tip: try to match what people will be searching for online, so if (for example) the word ‘brothers’ is in your company name, then determine if ‘brothers’ or ‘bros’ will be used by people searching for your company and its goods and services online.

Boost Credit Score Fast: Takeaways

More fundable businesses can get more money, and they tend to get more prospects who decide to become customers. One area of fundability you have total or near total control over is your business’s online presence. Keep it professional, uniform. and appealing, and easy to use. We can help you with even more aspects of fundability and you can boost credit score fast!

The post You Can Boost Credit Score Fast appeared first on Credit Suite.

Credit Card for Bad Credit Score

Are You Looking for a Credit Card for Bad Credit Score?

Did you know that it’s possible to get a credit card for bad credit score? Yes, really!

We researched lots of company credit cards for you. So, here are our choices.

Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal credit cards!

This shows you can get a lot more money with company credit cards.

And you will not need collateral, cash flow, or financials to get small business credit.

Credit Card for Bad Credit Score: Business Credit Card Benefits

Benefits can vary. So, make sure to pick the benefit you would prefer from this selection of alternatives.

And always check rates on the appropriate website.

Credit Card for Bad Credit Score, Not Calling for a Personal Guarantee

Brex Card for Startups

Look into the Brex Card for Startups. It has no yearly fee.

You will not need to provide your Social Security number to apply. And you will not need to supply a personal guarantee. They will take your EIN.

Nevertheless, they do not accept every industry.

Likewise, there are some industries they will not work with, as well as others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a company’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have bad credit (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Credit Card for Bad Credit Score: for Fair Credit

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 26.99%. You can earn unlimited 1% cash back on every purchase for your company, without any minimum to redeem.

While this card is within reach if you have average credit scores, beware of the APR. However if you can pay on schedule, and completely, then it’s a bargain.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Score the best business credit cards for your business.  Check out our professional research.

Credit Card for Bad Credit Score for Extravagant Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Check out the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which after that rises to $95. The regular APR is 20.99%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is great for travel if your expenses do not fall into standard bonus categories. You can get unlimited double miles on all purchases, with no limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a good to excellent FICO score to qualify.

Earn 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Score the best business credit cards for your business.  Check out our professional research.

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Take a look at the Marriott Bonvoy Business™ Card from American Express. It has a yearly fee of $125. There is no introductory APR offer. The regular APR is a variable 15.74 – 24.74%. You will need good to superb credit to get this card.

Points

You can earn 100,000 Marriott Bonvoy points after using your card to make purchases of $5,000 in the initial 3 months. Get 6x the points for qualified purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and filling stations. And you can get 4x the points on wireless telephone services purchased directly from American service providers and on American purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Also, you get a free night every year after your card anniversary. And you can earn one more free night after you spend $60,000 on your card in a calendar year.

You get free Marriott Bonvoy Silver Elite status with your Card. Also, spend $35,000 on qualified purchases in a calendar year and get an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.

Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/

Not Qualifying for a Credit Card for Bad Credit Score? Then Try Working with a Credit Partner

Our Credit Line Hybrid could be within reach. But the trick is to work with a credit partner.

If your credit partner has good personal credit, then a hybrid credit line could be the perfect solution.

How Much You Can Get

You can get up to $150,000, even if your business is a startup.

Qualifying for Our Credit Line Hybrid

To qualify, your credit partner’s personal credit score should be at least 685. And they can’t have any liens, judgments, bankruptcies, or late payments. Plus, in the past 6 months they should have fewer than 5 credit inquiries. And they should have less than a 45% balance on all business and personal credit cards.

It’s better if you or they have established business credit as well as personal credit. See creditsuite.com/business-loans.

Score the best business credit cards for your business.  Check out our professional research.

You Won’t Need a Credit Card for Bad Credit Score if You Improve Your Personal Credit – Here’s How

Your personal credit score comes from a few basic measurements.

One is the mix of credit you’ve got. Hence, if you only have a credit card, getting an auto loan can enhance your credit mix.

Another is the number of recent inquiries. This is about the best argument against credit shopping. And inquiries stay on your personal credit report for years! So try to curb any tendencies you might have to shop around for credit.

More Ways to Improve Your Personal Credit Score

The average age of your accounts also comes into play. Therefore, if you aren’t using a card anymore – do not cancel it! But recognize that, eventually, the credit issuer will close it. As a result of this situation, if you won’t be tempted to overspend – try to use a less often used card maybe once every couple of years.

Yet another factor is your utilization percentage. That’s a simple math formula – it’s just used credit divided by total available credit. And this is for both individual cards and all of your credit. Try to keep this percentage under 30% if you can.

The Biggest Way to Improve Your Personal Credit Score

We saved the best for last! Your best way to improve your personal credit score is to just pay your bills on time, and in full. Just paying the minimum amount every month will never get you out from under debt. It’s essentially designed to keep you in debt, indefinitely.

Responsible financial stewardship will never steer you wrong – and then you’ll have a lot more credit card choices.

The Very Best Credit Card for Bad Credit Score for You

Your straight-out ideal company credit cards depend upon your credit history and scores.

Just you can choose which features you want and need. So, to do your research. What is outstanding for you could be disastrous for another person.

And, as always, make sure to develop credit in the recommended order for the best, speediest benefits.

The post Credit Card for Bad Credit Score appeared first on Credit Suite.

Business Credit Profile: Best Way to Raise Credit Score?

Your business credit profile is the overall picture of the creditworthiness of your business. Lenders look at it to determine whether or not they want to lend to you. Your business credit score is likely the most important piece of this.  As such, it’s important to know the best way to raise credit score.  You have a personal credit profile alsol, and that is considered by most lenders as well. 

Total Business Credit Profile Management: The Sure-Fire Best Way to Raise Credit Score

In fact, many lenders look at your personal credit profile first. However, if you have a strong business credit profile, it can only help you. Your business credit score is a huge part of that, so you need to know the best way to raise credit score for business. 

Best Way to Raise Credit Score: What Is a Credit Profile? 

Of course, you cannot let the rest of your business credit profile go unattended. Before you can work to execute the best way to raise credit score, you have to understand and learn how to manage your total business credit profile.

Your business credit profile is everything the business credit reporting agencies have on your business. For example, your open trade accounts, payment history, how you stand up in relation to other businesses, and more. The top three business credit reporting agencies are Dun & Bradstreent, Experian, and Equifax. FICO also offers a business credit report known as the FICO SBSS.

best way to raise credit score Credit Suite

Keep your business protected with our professional business credit monitoring.

When a potential lender looks at your business credit profit, it can pull from any of these.  The report will contain a business credit score, but it will contain a lot more as well. 

Best Ways to Raise Credit Score: What is a Business Credit Score

So, what exactly is a business credit score? It is similar to your personal credit score, but it is for your business. Unlike your personal credit score, it is connected to your EIN, not your social security number. It is a numeric rating assigned to your business that helps a lender determine how likely your business is to repay debt. The number is calculated based on a number of things.  The most influential factor is your payment history.

The more positive payment history you have, the better. That means two things. First, the longer you have been paying accounts on time the better your credit score will be. Also, the more accounts you are paying on time the better your score will be. 

Best Way to Raise Credit Score? 

So, what is the best way to raise your business credit score? The simple answer is to increase positive payment history and reduce negative payment history.  Let’s break it down further.

Add More Trade Accounts

It sounds simple, but it’s not really.  Unlike personal credit, not all business credit accounts report to the business credit reporting agencies. With personal credit, your payments on accounts are automatically reported to personal credit.

You have to be intentional about finding business credit accounts that will report.  This can take some time and digging.  A business credit expert can come in really handy here. Most vendors do not make it easy for the average Joe to find out if they report or not. A business credit expert will likely have relationships with vendors that allow them to know or find out this information more easily.

Aside from this, you can talk to vendors  you already have a relationship with. You can ask them to report your payments if they already extend you credit or net terms on invoices.  If they do not, you can ask if they will, and if they will then report. They don’t have to , but if they do, this can be the best way to raise credit score quickly.

You can also talk to providers that you pay monthly.  Everyone pays utilities, phone, and internet bills.  Ask those providers to report your payments to the business credit reporting agencies. They do not have to, but they might.  If they do, this is another great way to improve your business credit score.

Handle Accounts Responsibly

Handling your business responsibly in every way affects your entire business credit profile. However, handling your trade accounts responsibly by making consistent, on-time payments is the number one best way to increase credit score. After all, the business credit score tells lenders how likely you are to pay, and nothing predicts future behavior like current habits.

Monitor and Correct Your Business Credit Report

Sometimes the best way to raise your credit score is as simple as correcting mistakes.  However, without credit monitoring, you cannot know what those mistakes are, or if there are any at all. Personal credit monitoring is easy. You can access a full, complete report annually for free. Not only that, there are a plethora of free apps that offer a peek at your credit score and summary report throughout the year.
best way to raise credit score Credit Suite

Keep your business protected with our professional business credit monitoring.

That is not the case with your business credit report however. You have to pay to get a glimpse of it at all.  Each of the big three offer monitoring options, for a fee. Credit Suite can help you monitor your business credit for a fraction of the price

Business Credit Profile vs. Personal Credit Profile

To better understand the best way to raise credit score for your business, it can help to understand some of the differences between business credit profiles and personal profiles.  There are many, but these specifically seem to cause a lot of misunderstanding and confusion among borrowers when they are denied funding. 

Late Payments

Both business and personal credit reports are affected greatly by late payments. Yet, business credit scores are affected faster. Late payments are not reported to personal credit reports typically until they are 30 days past due. Late payments on business credit accounts are reported if only one day late.

Inquiries

Hard credit checks on your personal credit will lower your credit score. However, business credit reports are different. A credit check on your business credit profile does not affect your business credit score.

Data Reported

In addition to late payments being reported much more quickly, accounts on your business credit profile are listed by industry.  In contrast, personal credit lists the name of the company that issues the credit.

Also, personal credit reports show the exact amounts of accounts, while business credit reports show rounded amounts. How long data stays on a personal credit report varies, but typically it’s the life of the file. Information stays on business credit reports an average of 3 years.
best way to raise credit score Credit Suite

Keep your business protected with our professional business credit monitoring.

Also, with personal credit accounts,  almost every account reports to the credit reporting agencies. In contrast, only about 7% of business credit accounts report to business credit reporting agencies. This is why you have to be intentional to get accounts reporting to business credit, and that is only one of many reasons working with a business credit expert is the way to go. 

One last thing to note about business credit versus personal credit is this. While your business credit profile is totally separate from your personal credit profile and does not affect in any way, the reverse is not true.  Your personal credit information can affect your business credit profile, and in some cases, even your business credit score. 

What’s the Best Way to Raise Credit Score for Your Business? 

There isn’t really one best way to raise credit score. In reality, the best way depends on what is pulling your score down to begin with. Is it a lack of sufficient history? Then you just have to give it time. Are there not enough accounts? You need to add more. Are you not paying on time? Start paying on time!  Are there mistakes on your business credit report? Fix them. However, one thing is for sure. Whatever the problem is, paying your accounts consistently on-time will only raise your score. You cannot go wrong there.

The post Business Credit Profile: Best Way to Raise Credit Score? appeared first on Credit Suite.

What’s Luck Have to Do With It? 5 Credit Score Myths About Your Business

A strong business credit score does not just appear at the end of the rainbow. There are a lot of myths out there.  So many so, that it can be difficult to separate reality from fiction. Don’t fall for these 5 credit score myths. 

Don’t Believe These 5 Credit Score Myths When it Comes to Your Business

Most of the confusion comes from a lack of understanding about business credit scores.  Many do not even know what it is, how you build it, or even that it exists.  Let’s take a look at each of these common 5 myths about credit scores and clear up a few things. 

5 Credit Score Myths: If You Have Business Debt, You Have a Business Credit Score

This may well be the most common of these 5 myths about credit score.  A lot of business owners have some vague idea that a credit score for their business is a thing, but they totally miss the boat on how it actually works. They know they have a personal credit score because they have personal debt. They know that their credit score depends on how well they handle that personal debt, and how much they have.  As a result, most believe business credit builds the same way. This could not be further from the truth. 

Building Business Credit

You do not automatically have a business credit profile. You have to intentionally set up your business properly to establish a business credit profile. Then, your business credit accounts do not automatically report your payments to the business credit reporting agencies. That means, you do not necessarily have accounts reporting positive payment history, even if you are handling your business credit responsibly. You have to seek out accounts that will report.

Keep your business protected with our professional business credit monitoring.

This makes building a strong business credit score a little trickier than building a strong personal credit score.  A business credit expert is a great resource to help you make sure your business is set up properly, establish your business credit profile, and find accounts that will report your on-time, consistent payments.  Don’t leave it to luck. It won’t happen.

5 Credit Score Myths: If Your Personal Credit Score is Good, You Do Not Need a Business Credit Score

Because you can get a business loan with a good personal credit score, a lot of business owners think they don’t need to worry about their business credit score.  However, there are a number of reasons to work on building a strong business credit profile regardless of your personal credit report. For example:

  • Having separate business credit keeps some business accounts from affecting your personal credit report. This can keep you from running into trouble buying a home or car if your business struggles.
  • Separate business credit opens more funding opportunities so that you can access more money for your business.
  • Even when lenders rely on your personal credit score, a strong business credit score can help you get better rates and terms than you would otherwise.

While it is possible to fund a business totally on the merits of a good personal credit history, it is not efficient or wise, and it will lower your personal credit score. 

5 Credit Score Myths: Personal Credit Score Doesn’t Affect Business Credit Score

Your business credit profile, if set up properly, is all together separate from your personal credit profile. Handled the right way, business accounts do not show up on or affect your personal credit report. However, the reverse is not necessarily true.

In some cases, your personal credit score may be used in the calculation of your business credit score.  Not only that, but it is always a consideration when it comes to the overall fundability of your business. This means that even if you have a solid business credit history, you can’t ignore your personal credit score. 

5 Credit Score Myths: You Can Monitor Business Credit for Free

It makes sense. I mean, you can get a free copy of  your business credit report. There are a ton of free apps that let you peek at your personal score throughout the year.  Why wouldn’t you be able to do this with business credit?

Keep your business protected with our professional business credit monitoring.

There are no free business credit monitoring services, though you may be able to get a peek or a sample one time for free. The business credit reporting agencies offer some options for a fee, but Credit Suite can help you monitor your business credit score for a fraction of the price.

5 Credit Score Myths: You Don’t Need Anyone to Help You Build Your Business Credit Score

Credit repair companies are abundant when it comes to personal credit. Many of them are simply trying to make a buck. It’s almost always a scam. The only sure fire way to fix your personal credit score without ending up worse off in the long run is to pay your bills consistently on-time.

This is not necessarily true when it comes to your business credit score. A business credit expert can help you in a number of ways.  They have relationships with vendors, lenders, and other knowledge that can be extremely valuable as you work to establish and build a strong business credit profile. 

Analyze Fundability

A business credit expert can help you analyze and assess the overall fundability of your business.  While it may technically be possible to do this yourself, it is a huge job. It takes a lot of time, and there are so many factors to consider it can be easy to miss something. Furthermore, it can be difficult to access some of the information.  A business credit expert will have the contacts and expertise necessary to talk to the right people at the right place to get things done.

Keep your business protected with our professional business credit monitoring.

Properly Set Up Business Foundation

As mentioned earlier, your business has to be set up properly before you can even establish a business credit profile, let alone build a business credit score.  A business credit expert can work with you to determine if your business foundation is set up as it needs to be. If not, they can help you fix that. 

Get Accounts Reporting

Even with a business credit profile, there is no credit score until you have accounts reporting. The thing is, not all business accounts report payments to the business credit reporting agencies. In fact, very few of them do.  What’s worse, is most companies do not make it clear to customers whether or not they report payments.

A business credit expert has relationships with specific vendors that they know report payments. You don’t have to rely on trial and error.  Doing that, you could go months thinking you are building your credit score and really, nothing at all is happening. Working with an expert ensures you get on the right track and head down it as quickly as possible. 

Your Business Credit Score is Not Found at the End of the Rainbow

When it comes to building strong fundability with the best business credit profile and highest business credit score possible, strategy trumps luck every time.  You have to be intentional and follow the process.  Once business owners know this, most are willing.  The problem is, it is difficult to navigate these waters alone.  Lenders and vendors do not always offer up the information needed easily.  Also, few average Joe business owners know where to look or what to look for to evaluate fundability.  This is where a business credit expert is priceless.  They have the knowledge and skills needed to speed up the process exponentially.  This not only saves time, but in the long term it also saves money. Get your free consultation with a Credit Suite business credit expert today.

The post What’s Luck Have to Do With It? 5 Credit Score Myths About Your Business appeared first on Credit Suite.

How to Rock your Business Bank Credit Score in a Recession

Rock Your Business Bank Credit Score in a Recession What’s your business bank credit score in a recession? Before going any further, do you know the difference between bank credit and business credit? Business credit is the full and complete amount of money that your small business can get from all manner of creditors. That … Continue reading How to Rock your Business Bank Credit Score in a Recession