The No Job LifestyleFix your credit
Is 680 a good credit score?
Yes. On the FICO scale, 670 to 739 counts as good, so 680 is in the good range. It is also the line many business funding programs look for. Above 680 you qualify for more, and at...
How to remove late payments from your credit report
You can get a late payment removed if it is wrong (dispute it with the credit bureau), or sometimes if it is right but you have a good history (ask the lender for a goodwill...
How to remove collections from your credit report
Start by asking the collector to validate the debt. Then dispute anything inaccurate with the bureaus. If the debt is real, you can try to negotiate a deletion as part of paying...
How to build credit without a credit card
You can build credit with a credit builder loan, rent and bill reporting, a small installment loan, or by becoming an authorized user. Anything that reports on time payments to...
How to raise your credit score fast
The fastest lever is card use: pay balances down before the statement closes and your score can move in one cycle. Next, dispute errors, avoid new applications, and keep old...
Credit utilization calculator
Credit utilization is your total card balances divided by your total card limits. Under 30% is what lenders and funding programs look for; under 10% is where top scores...
Debt validation letter template
A debt validation letter asks a collector to prove a debt is yours and the amount is right. Send it within 30 days of their first contact; they must pause collection until they...
How to rebuild credit
Clean up your reports first, then add new positive history: a secured card or credit builder loan, paid on time, with low card use. Negative items lose weight every year you add...
Business credit and funding
How to build business credit
Set the business up as its own entity, get an EIN and a DUNS number, open a business bank account, then add vendor accounts that report (often called net 30 accounts). Pay early...
Startup business loans with no revenue
With no revenue, lenders lean on your personal credit. A 680+ score, low card use and a clean report open doors to business credit cards, credit based funding and microloans....
Business funding with bad credit
You can, but bad credit options are usually small and expensive: merchant cash advances, no credit check loans, secured cards. The better path is to fix your credit first, then...
Business credit cards with EIN only
True EIN only cards are rare. Most business cards, including 0% APR cards, ask for your SSN and check your personal credit, even when the card is in the business name. Strong...
Net 30 accounts for building business credit
A net 30 account is a vendor account that lets your business buy now and pay within 30 days. When the vendor reports your payments to business credit bureaus, it builds your...
SBA loan requirements
SBA loans usually need a for profit US business, good personal credit, proof you can repay (revenue or a solid plan), and that you invest some of your own money. Exact...