Get Your Dun and Bradstreet Rating and More with D&B’s 5 Main Business Credit Scores

Do you want to know all about the Dun and Bradstreet Rating and all of their scores and reports? D&B is the oldest and largest credit reporting agency. But you will need a D-U-N-S number to start building business credit. What if you don’t have a D-U-N-S number? Then get one; they are free. Go to: dnb.com/duns-number/get-a-duns.html. So this number gets a business into their system.

What are D&B Reports All About?

To consider the scores, you need to look at D&B Reports. D&B offers database-generated reports. The business services giant produces such a report in order to help their clients decide whether a business is a good credit risk. Companies use the reports to make informed business credit decisions and avoid bad debt. So several factors enter into creating such a report.

In general when D&B does not have all of the data they need, they will indicate as much in their reports. But missing data does not necessarily mean a company is a poor credit risk. Instead, the risk is unknown.

This is true for the Dun and Bradstreet Rating and for any other D&B business credit score.

The main reason for a client using this kind of a report is to engage in credit risk monitoring of merchants, suppliers, and business partners. This helps companies make informed business credit determinations and steer clear of bad debt.

Dun & Bradstreet takes many factors into account in producing such a report. These include a predictor of payment delinquency; how financially stressed a company is compared to comparable businesses; an evaluation of supplier risk; credit limit recommendation; D&B rating; and PAYDEX score. So let’s consider all of these factors in turn.

Is D&B Data at All Accurate?

D&B Data is only as good as how complete it is. D&B constantly gathers data. So it works to improve its analyses to assure the greatest degree of accuracy possible. To ensure as accurate a report as possible, give D&B your company’s current financial statements.

What are Dun & Bradstreet Scores All About?

Now let’s look at Dun & Bradstreet Scores. D&B has five main scores. PAYDEX is maybe the best-known. The other four are the D&B Rating; Delinquency Predictor; Financial Stress Score; and the Supplier Evaluation Risk Rating. For a sample Business Information Report, go to products.dandb.com/download/2019_BIR-Snapshot-Report.pdf.

So the main score is PAYDEX. However, a business will not get a PAYDEX score, unless it has at least 3 trade lines reporting, and a D-U-N-S number. A business must have BOTH to get a D&B score or report.

What is the PAYDEX Score?

Let’s focus on the PAYDEX Score. This is Dun & Bradstreet’s dollar-weighted numerical rating of how a company has paid the bills over the past year. D&B bases this score on trade experiences reported by various vendors. The Score ranges from 1 to 100; higher scores mean a better payment performance. PAYDEX scores reflect how well a company pays its bills. Larger bills get more weight in the calculation.

What is the Dun and Bradstreet Rating?

Now let’s check out the Dun and Bradstreet Rating. Dun & Bradstreet bases the Dun and Bradstreet Rating on a company’s net worth based on financial statements, as well as the company’s overall condition.

So a Dun and Bradstreet Rating is meant to help businesses rapidly gauge a business’s size and composite credit appraisal. The Dun and Bradstreet Rating is based on information in a company’s interim or fiscal balance sheet, and also an overall evaluation of the firm’s creditworthiness.

If a company’s financial statements are not provided, the score is based on company size, industry, or other related factors. If a company does not provide info, D&B will base certain scores on other related information in their file. 

A company will get a lower Dun and Bradstreet Rating if they do not provide any information. It is in every company’s best interests to provide as much info to Dun and Bradstreet as possible.

Dun and Bradstreet Rating Credit Suite

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

What is the D&B Delinquency Predictor?

So let’s consider the Delinquency Predictor. The Delinquency Predictor runs from 1 to 100. Higher scores are better. Dun & Bradstreet uses predictive models to determine how likely a company is to be late with its payments. Predictive scoring is a method of using historical information in order to try to predict future outcomes. It entails identifying the risks inherent in a future decision. It does this by examining the relationship between historical information and the future event.

This represents an objective and statistically derived counterpart to subjective and intuitive assessments. Such scoring allows a business to rank and order accounts based upon the probability of an event taking place, such as delinquent payments. 

That being said, note that predictive scoring only represents a statistical probability. So it is not a guarantee. The scoring system ranks and orders accounts based on the probability of late payments. However, a new company has no historical information, by definition.

The Delinquency Predictor looks at the proportion of slow payments in recent months; Proportion of past due balances to total amount owing; the higher risk industry based on delinquency rates for this industry; any increase in proportion of delinquent payments in recent payment experiences; and any evidence of open suits.

Dun and Bradstreet Rating Credit Suite

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

What is the Dun & Bradstreet Financial Stress Percentile?

Now let’s tackle the Financial Stress Percentile. The percentile runs from 1 to 100. 1 percentile is most likely to fail. The 100 percentile is least likely to fail. It is a comparison to other businesses.

The Financial Stress Percentile compares the company in question to other businesses in the same location, business sector, number of employees, or number of years in the business. Financial Stress Score Norms show an average score and percentile for all firms with similar demographic characteristics. These Norms can be used in order to benchmark where this particular business stands in relation to the norm for its peer group.

It is based on a much higher raw score, the Financial Stress Score. The Financial Stress Score runs from 1,001 to 1,875. A score of 1,001 represents the highest probability of business failure. So a figure of 1 shows the lowest probability of business failure.

How Does the Financial Stress Score Relate to the Financial Stress Percentile?

The Financial Stress Score is based on a low proportion of satisfactory payment experiences to total payment experiences, a high proportion of past due balances to total amount owing, any UCC Filings reported, and a high number of enquiries to D&B over last 12 months. So this score compares a company to similar businesses in the D&B database.

Dun & Bradstreet produces Financial Stress Scores to forecast the chance of business failure over the upcoming twelve months. 

D&B defines business failure in several ways. One is as a business which gets legal relief from its creditors. Another is a firm which discontinues its business operations without paying off all of its creditors in full. Yet another is a business which voluntarily withdraws from its business operations thereby leaving unpaid obligations

Another way is a company which enters into receivership or reorganization. Or it can be a company which makes some kind of arrangement for the benefit of its creditors. And all of this is based on the information found inside D&B’s commercial database. 

If your company has a lot of lawsuits and liens against it, those will negatively impact your financial stress score.

What is the Dun and Bradstreet Supplier Evaluation Risk Rating?

How about the Supplier Evaluation Risk (SER) Rating? So this is a scale of 1 to 9. 1 means a company is least likely to fail to pay its own suppliers. Whereas 9 is the opposite, showing highest likelihood.

The Supplier Evaluation Risk Rating forecasts how probable it is that a company will get legal relief from its creditors. Or it can show the chance a business will discontinue its operations without paying creditors in full over next twelve months. The SER rating comes from D&B’s Financial Stress Score. So the Financial Stress Score percentile serves as the basis for the SER Rating. 

Factors affecting a Supplier Evaluation Risk Rating are a negative net worth, and the proportion of slow payment experiences to total number of payment experiences reported. So the factors also include if a business belongs to an industry with above average risk of ceasing operations or becoming inactive.

So it is not exactly the same as the Dun and Bradstreet Rating.

What is the D&B Maximum Credit Recommendation?

Consider the Maximum Credit Recommendation. So it includes recommended dollar guidelines. D&B performs an overall assessment of a business for the next 12 months. They also check the predicted risk of business discontinuation. Further, they look at the predicted risk of severely delinquent payments.

D&B bases its dollar guideline amounts on a historical analysis of overall business risk. A recommended limit is based on the probability of severe delinquency. But this recommendation is no guarantee that a business can cover the recommended amount.

More Information about D&B Business Information Reports

What else is in D&B Business Information Reports? In addition to the above scores, a D&B Business Information Report contains trade payments (summary and by industry). So it also has trade line specifics with dollar amounts and terms, and legal events. It also has company events (mainly concerning ownership and management). So it also has a company family tree showing ownership specifics.

A Business Information Report also contains a Risk Assessment summary. So this summary shows the Maximum credit recommendation; PAYDEX; Delinquency Predictor percentile; Financial Stress percentile; and the Supplier Evaluation risk.

Dun and Bradstreet Rating Credit Suite

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Dun and Bradstreet Rating: Takeaways 

Dun & Bradstreet collects objective data points on businesses and creates Business Information Reports from them. These reports outline five basic scores. So some of these are predictive scores. The more information D&B has, the more comprehensive the report is. 

Finally, a Dun and Bradstreet Rating is only as good the information in its report.

Dun & Bradstreet’s database includes over millions of firms spanning the globe. So this includes millions of active companies and millions more companies which are out of business but kept for historical reasons. 

D&B constantly gathers data and works to improve its analyses to ensure the greatest degree of accuracy possible.  To ensure as accurate a report as possible, it quite literally pays to provide D & B with your business’s current financial statements. In that way, you will have a far more accurate Dun and Bradstreet Rating sand D & B report.

Because an accurate D&B report means you are far more likely to get business funding.

The post Get Your Dun and Bradstreet Rating and More with D&B’s 5 Main Business Credit Scores appeared first on Credit Suite.

New comment by cascada in "Ask HN: Freelancer? Seeking freelancer? (September 2020)"

SEEKING WORK | Remote Location: Turkey; able to move to other countries CV: https://gildedhonour.co Email: alex @ serendipia.email Technologies: various; mostly: Erlang/Elixir, Haskell, Ocaml, Rust, Ruby, Python, C, D, JS, web in general (full-stack, mostly backend) ====== Expert of nothing. A problem creator and also solver. I possess around a decade of experience in IT. …

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Your Ideal Client

Your Ideal Client

” I do not understand the secret to success, yet the trick to failing is attempting to please everyone.”– Bill Cosby
Perhaps they were constantly late to pay, or really did not do what they stated they would certainly do. Whatever the scenario, opportunities are you had a hint when you initially fulfilled that customer … a little voice that you really did not pay attention to, that was most likely outweighed by the larger voice that stated, “Hey, it’s service; I’ll take it!”
If you have problem stating no, you’ll require to discover this essential company ability … as well as what to do to obtain rid of issue customers you currently have; see the sources at the base of this write-up. If you have a trainer, ask them to assist you finish the Ideal Client workout, or to role-play those “claiming no” discussions.
Exactly how to find YOUR Ideal Client.
There are lots of means to come close to the Ideal Client/Customer Profile You can take a seat and also envision the most effective, most terrific customer you can have … whether that is an abstract entity, a star (what author would not desire Oprah as a consumer, as an example), or a details market account. If your consumers are most likely to be business, you can take a look at your present customer listing, and also choose the firm that provides you one of the most service, one of the most pleasure, the least heartburn.
The Ideal Client Profile.
Whoever you select, begin an account matrix with 2 columns: “My Ideal Client Is:” on the left; “My Ideal Client is Not:”, on the. In the column left wing, checklist all the attributes of that sort of individual or business. Make use of the concerns listed below as triggers to obtain you considering all the various facets that customer may have.
Either think of the reverse of all those facets, or select the “customer from heck” and also load in equivalent qualities in the right-hand column. Your customers that do not fit your Ideal qualities, whether you create them down or not, will at some point “recognize it.
Triggers: Consider these facets of your Ideal Customer or Client:
What occupation or organisation are they in?
What demographics do they fit? (age, sex, race, religious beliefs, earnings, marriage standing, and so on).
What do they believe is essential in organisation? In life?
What do they like many regarding you as well as your company, solutions as well as items?
What is the nature of their partnership with you? (transactional, veteran consumer, colleague, close friend, refers others to you, and so on).
Just how do they collaborate with you? (phone/in person/on the Web; fast transactions/takes time to discuss; pays early/on-time/at 30 days; and so on).
What character attributes do they have?
What do you obtain from them (besides repayment)?
Currently What?
Contrast your existing customer listing to the 2 columns in The Ideal Client Profile. Just how lots of have the attributes of your Ideal Client?
Next off, upload your Ideal Client Profile someplace you will certainly see it frequently. Every time a brand-new prospective customer comes along, begin looking for those Ideal features … and also be cautious the non-ideal!
Perfect Clients– For Life.
There are lots of means to take advantage of the job you have actually simply finished with the Ideal Client Profile. Right here are some suggestions:.
Do your organisation cards, pamphlets, advertisements as well as internet site allure to your Ideal Client? Sharpen your products, as well as begin seeing better-qualified possible customers stroll in the door.
Based on your Ideal Client account, where would certainly you anticipate to locate these customers? If not, number out a method to obtain in front of them!
Are they establish up to be pleasant to your Ideal Clients? If not, upgrade them, and also you may see non-ideal customers take treatment of themselves.
Begin attracting your Ideal Clients today!

Whoever you choose, begin an account matrix with 2 columns: “My Ideal Client Is:” on the left; “My Ideal Client is Not:”, on the. Contrast your existing customer listing to the 2 columns in The Ideal Client Profile. Every time a brand-new possible customer comes along, begin looking for those Ideal features … and also be careful the non-ideal! Do your company cards, sales brochures, advertisements as well as web site charm to your Ideal Client? Based on your Ideal Client account, where would certainly you anticipate to discover these customers?

The post Your Ideal Client appeared first on ROI Credit Builders.

How Your Experian Financial Profile Can Affect Business Fundability

There are so many factors that affect the fundability of your business.  Truthfully, your Experian profile is just one link in a very long fundability chain.  However, that does not mean it isn’t important. As you know, it only takes one weak link to break a chain.  As a business owner, it is important to understand your Experian financial profile.

Your Experian Financial Profile Can Affect the Fundability of Your Business

What does your Experian profile have to do with the fundability of your business?  A lot actually. In fact, not only does your Experian business profile impact fundability, but your personal Experian profile does as well. 

Experian Financial Profile and Fundability: What is Fundability? 

Simply put, fundability is the ability to get funding for your business. If you are fundable, lenders see your business as one that can and will pay its debt.  Since lenders are in it to make money, they see a fundable business as one that will offer a return on investment. That part is easy. The real question is, how does a business become fundable? 

Keep your business protected with our professional business credit monitoring

Sadly, the answer to that question is not quite as simple.  Sure, a great business credit score is important. In addition, many of the things that are important for a strong business credit score are necessary for fundability as well.   

The thing is, there is a lot more to fundability than credit score.  You can find out more about that here. For now, let’s talk about the role the Experian plays in the fundability of your business. 

Experian Financial Profile: What Does it Have to Do with Fundability?  Experian financial profile Credit Suite

First, you should know that Experian keeps files on both your personal and your business finances.  Consequently, if you own a business, you have a business profile with them as well as a personal profile.  In most cases, a personal and business credit profile is totally separate. However, with Experian, that isn’t always the case.  While they do keep the two separates if you set things up that way, they also issue a combined report that incorporates your personal credit as a piece of business credit for lenders making decisions. 

For you, that means that at least as far as your Experian profile is concerned, your personal credit history can actually affect the fundability of your business.  

You can see your personal Experian financial profile here.

Experian Financial Profile: What about Business Credit? 

Of course, it’s pretty obvious how Experian business credit can affect fundability.  The big questions still remain however. What do you Experian reports tell lenders? Where do they get their information?  How do they calculate their business credit score, and what does it mean? 

Experian keeps business credit profiles on 99.9% of all United States companies. In addition, it claims to have the credit industry’s most broad data on small and mid-sized businesses. That’s why, if you own a business, it likely has a business Experian file. 

According to Experian, all their information stems from third party sources. That means you cannot add anything to your profile. Still, you can check your profile and let them know about any inaccuracies.  As a result, you have to know what that report is telling lenders about you and your business to stay ahead of the game. Also, you need to know where the information comes from, and what you can do about it. 

Business Experian Financial Profile: What’s on there?

First, there isn’t just one score.  On the contrary, your complete business Experian profile consists of a number of reports and scores.  Lenders can choose to use any or all of them. Each one tells them something different. It takes all the scores put together to get a complete credit picture, but not all lenders look at all scores. 

Intelliscore Plus

Quite simply, the Intelliscore Plus credit score shows credit risk based on statistics.  It is a highly predictive score. As such, its main purpose is to assist users in making well informed credit decisions. 

The Intelliscore scores range from 1 to 100.  The higher your score, the lower your risk class. The opposite is true as well. Meaning, the lower your score, the higher your risk class. 

Score Range Risk Class

76 — 100 Low

51 — 75 Low — Medium

26 — 50 Medium

11 — 25 High — Medium

1 — 10 High

How Do They Calculate the Intelliscore Plus Score?

One of the things Intelliscore is most known for is the identification of key factors that can indicate how likely a business is to pay their debt.  There are over 800 commercial and owner variables used to calculate an Intelliscore Plus credit score. They can be broken down like this:

Payment History

This is just your current payment status. It’s how many times accounts have become delinquent. Additionally, it shows how many accounts are currently delinquent and overall trade balance.

 Keep your business protected with our professional business credit monitoring

Frequency

The frequency factor shows how many times your accounts have been sent to collections.  It also notes the number of liens and judgments you may have. Any bankruptcies related to your business or personal accounts are in the part as well.

In addition, frequency includes data regarding your payment patterns. Were you regularly slow or late with payment? Did you decrease the number of late payments over time? As you can imagine, those things make a difference. 

Monetary

This specific factor focuses on how you use your credit. For example, how much of your available credit are you using right now? Do you have a high ratio of late balances when compared with your credit limits?

Of course, if you are a new business owner, a lot of this information will not exist yet. Intelliscore Plus handles this by using a “blended model” to identify your score. That means that they take your personal consumer credit score into account when determining your business’s credit score.

The Experian Financial Stability Risk Score (FSR)

FSR predicts the potential of a business going bankrupt or not paying its debts.  The score identifies the highest risk businesses by making use of payment and public records. These records include all of the following and more.

  • high use of credit lines
  • severely late payments 
  • tax liens 
  • judgments 
  • collection accounts 
  • risk industries 
  • length of time in business 

Experian’s Blended Score

This is a one-page report that provides a summary of the business and its owner.  A combined business-owner credit scoring model is more comprehensive than a business only or consumer only model.  Blended scores have been found to outperform consumer or business alone by 10 – 20%.

Business Experian Financial Profile: How to Know What Yours Is Telling Lenders

Experian sells a number of products which can be used to monitor your business’s credit with them.  

Business Credit Advantage Plan

This option is $149 per month and incorporates mobile-friendly alerts and score improvement recommendations.

Profile Plus Report

This report costs $49.95 and includes in-depth financial payment details.  Also, it offers predictive information on payment behavior.

Credit Score Report

A cheaper option at $39.95, this report contains details on the company, credit information, and a summary of financial payment information.

Valuation Report

The valuation report costs $99. It shows the market value of your small business and features key performance indicators. It also displays your company’s fair market value.

Premium Corporate Profiles

Experian also sells premium corporate profiles. These are enhanced profiles that contain extra information.  For example, sales figures, size, contact details, products and operations, credit summary, and any Uniform Commercial Code (UCC) filings will show up here.  This report also includes fictitious business names, payment history, and collections history. 

In addition, you can subscribe to business credit alerts through Experian’s Business Credit Advantage program.  This is a self-monitoring service that offers limitless access to your company’s business credit report and score. It allows business owners to proactively manage small business credit. Alerts are sent when:

– Company address changes

– Business credit score changes

– Credit inquiries show up 

– Newly-opened credit tradelines are added

– Any USS filings open

– Collection filings open

– Any public record filings pop up.  This includes liens, bankruptcies, and judgments.

Despite all that business Experian credit monitoring offers, it is pricey.  Monitor your business credit at Experian and Dun & Bradstreet here for much less.

Keep your business protected with our professional business credit monitoring

Experian Financial Profile: How to Make a Positive Change

Since both your personal and your business Experian profiles affect the fundability of your business, it is important to understand how to make positive changes if you need to. 

While you may not be able to do anything to make a big score increase happen all at once, you can definitely do some things that will make a positive difference over time. 

Make On-time, Consistent Payments

This is number one.  Over time, paying your bills on time will help establish your company as one that pays their debts. This will definitely help push your score up and show other firms that you are a low credit risk.

Handle Your Credit Responsibly

The more debt you have, the more monthly bills you have.  As a result, you have less of your income available to spend. If your overall debt is close to or even over your income, it will look like you are a high credit risk.

Keep your debts in check and consistently pay them down or off to keep a good balance between what you make and what you owe.

You Have to Use Credit to Increase Your Credit Score

Keeping your debts low is good advice, but you have to use the business credit accounts you have.  You make payments on accounts for your score to grow. Having a ton of credit and not using it at all doesn’t really help.  Again, balance is key.

There is no need to buy things you do not need however.  Even if you can pay cash, use credit for the things you would be buying regularly for your business regardless.  Then, use the cash to pay the credit account. 

Pay Attention to Both Business and Personal Credit

By now, you’re aware that personal credit is fair game when it comes to your Intelliscore Plus score. But don’t fall into the trap of thinking your personal credit doesn’t matter.  If it is bad, there are options for working around it. However, it is much better to just keep it strong. Making certain you stay on top of your monthly bills is the number one way to keep your personal score healthy. Avoid unneeded credit inquiries, and refrain from compromising your personal credit for business needs.  

This means setting things up in a way to actually have separate personal and business credit.  Find more about how to do that here

Make Use of Monitoring Options

No matter what your credit score is, it is crucial that you continue to be diligent and review your personal and business credit reports. This can help you spot possible errors and stay on top of your Experian financial profile. 

For personal credit this is easy and free.  Not only can you get a free copy of your personal credit reports annually, but there are a number of free services that offer you a peek at your personal credit score throughout the year. 

As mentioned above, keeping track of your business credit will cost you.  The good thing is, there are options to fit most budgets. 

Experian Financial Profile: It Definitely Matters

Experian is well known in the personal credit world, but when it comes to business credit, Dun & Bradstreet often gets all the glory.  Your business Experian financial profile can definitely affect fundability however. Throw in the fact that Intelliscore has a personal credit aspect, and you can see just how much your Experian reports can matter.  

Keep monitoring all your credit reports and make changes when needed.  Work hard to ensure only positive information is reported to all credit reporting agencies.  Also, take the time to do a fundability analysis on your business. So take action where needed. If you do these things, you should be able to get funding for your business whenever you need it.  Whether you want credit cards, loans, lines of credit, or some combination, you shouldn’t have a problem.

The post How Your Experian Financial Profile Can Affect Business Fundability appeared first on Credit Suite.

70 Million Jobs (YC S17) Seeks Tech Lead for LA Office

70 Million Jobs, the national, for-profit employment platform for people with criminal records, is seeking an experienced engineer to oversee our technology stack (exact job title tbd). We’re looking for someone to work with us for about 20 hours each week, spending a couple of days a week in our Beverly Hills office office.

We need help with our websites, mobile app, e-commerce build-out and some other interesting projects.

Compensation includes salary and generous stock grant.

For more information, please check out the full job posting here: https://bit.ly/2YmyNvh. Please contact our Director of Operations, Aaron Friedman (aaron@70millionjobs.com) to discuss this opportunity in further detail.


Comments URL: https://news.ycombinator.com/item?id=21717025

Points: 1

# Comments: 0

Just How To Choose Affiliate Banners For Your Site

Just How To Choose Affiliate Banners For Your Site

Net associate advertising is a reasonably current principle, however net associate advertising and marketing has actually usually exercised fairly well for several company owner that have actually provided associate marketing a shot. Web associate advertising and marketing usually evokes concepts of associate advertising and marketing banners published on one’s web site, and also although there are various other methods of using associate advertising, this is possibly one of the most typical.

If you are looking for associate advertising banners to position on your site, it is essential that you attempt to choose the right associate advertising and marketing banners. Several company proprietors that have actually utilized internet associate advertising and marketing have actually uncovered that these message based associate advertising and marketing banners do not have any type of much less of a click price than various other associate advertising and marketing banners. These associate advertising devices can occasionally trigger even more clicks from your associate advertising target audience, these associate advertising and marketing devices are likewise rather annoying.

If there are associate advertising and marketing visuals advertisements that you determine to make use of as component of associate advertising methods on your site, it will certainly be a good idea to attempt to ensure that the associate advertising promotion harmonizes the style shades and also concepts of your website as high as feasible. This will certainly aid the associate advertising improve instead of sidetrack from your very own internet site. Associate advertising and marketing banners as well as associate advertising and marketing message web links are most definitely useful for those curious about associate advertising.

Several company proprietors that have actually utilized internet associate advertising and marketing have actually uncovered that these message based associate advertising banners do not have any type of much less of a click price than various other associate advertising and marketing banners. If there are associate advertising visuals advertisements that you determine to utilize as component of associate advertising approaches on your web site, it will certainly be sensible to attempt to make certain that the associate advertising and marketing promotion fits in with the motif shades as well as suggestions of your website as a lot as feasible. Associate advertising banners as well as associate advertising message web links are most definitely valuable for those interested in associate advertising and marketing.

The post Just How To Choose Affiliate Banners For Your Site appeared first on ROI Credit Builders.