Assisting small business owners and commercial real estate investors with the financing needed to accomplish their goals!

Episode 006 -Awesome advice from credit expert Jeanne Kelly!

Note – The first 6 episodes were produced under the name Your Business Decision. Beginning Oct. 1, 2017 the podcast was re-branded to Financially Empowered with Ralph Russell.

Episode 006 features nationally known credit expert Jeanne Kelly, (www.jeannekellynet). Jeanne has appeared on The Today Show, she has been a contributor on the subject of credit to The Huffington Post and and is the author of 2 books on credit, The 90 day Credit Challenge and The Credit Makeover.

Here are a few credit tips on the episode;
1) Order your credit report twice per year to check for any inaccuracies and follow up immediately if you see an error.
2) Items which affect your credit score include accounts which fall into collection, recent late payments, and current balances in relation to the card limit on the account.
3) In the case of a couple or business partners applying for credit, where one partner has a much stronger credit profile, it may make sense for the stronger credit partner to apply and list the other as an authorized user on the card.
4) Review your credit at least 90 days before a mortgage application. This will give you time to challenge any errors before the actual application.
5) Multiple lenders searches within 30 days of your mortgage or auto loan will fall under the category of rate shopping, and not multiple inquiries.
6) ID Theft is a growing concern. Please check out for more info on how to best protect yourself against ID theft.

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About the author, Ralph

During my first 20 plus years in the financial industry , I was a investment adviser. With a degree in Radio and TV from Ohio University, I began hosting radio shows focused on investing in 1985, where I would interview fund managers, stock analysts, and CEO's and answer numerous listener questions.
During this time, I was fortunate to host a show for 5 years on one of the top 2 or 3 radio stations in the US as well as appear on local and national television discussing the financial markets.
The past 5 years have been spent assisting small business owners and commercial real estate investors with obtaining the funding they need to accomplish their goals.
During my career, I have learned we all can make the best business/financial decisions possible if we had access to objective insight from experts in the specific topic matter.
The goal of each episode of Your Business Decision is to share this expert insight, assisting the listeners with making the best business/financial decisions possible in the future.

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