In these tough economic times and at a time when banks are not lending as freely as they have in the past. Good credit needs to be a priority. Look at your credit report regularly, question mistakes or unknown information.
You are entitled to a free credit report one time a year. This is the only free report. www.annualcreditreport.com or call 1-877-322-8228 You will not get your credit score but you will be able to see what is on your credit report and see any outstanding debts that you may have. For your credit score there is an additional charge. You can go to www.fico.com for your credit score.
Valuable Tips: ALWAYS
On credit cards: Note how many credit cards you have, any annual fees, what interest rate you are paying and any outstanding balances.
If you have a problem with your credit and need help, go to a non-profit agency. These are the only legitimate agencies that can help.
Your credit report is your report card of how you pay your bills if your bills are paid late everyone will know. Remember with a high credit score you will be able to get a loan at a lower rate. Also note if you are ever denied credit you can request a copy of your credit report from the company who declined you, free of charge. Credit is the most important indicator of your character that needs to be maintained. Your credit shows that you pay your bills.
1. Update Your Active Files: We are not a paperless society, just yet. Create color-coded files and label them. These are the active files you want quick access to on a routine basis. For example, leads, training, marketing plan, business plan
2. Create Master Folders on Your Hard Drive: Organize your major business categories: Planning, Marketing, Finance, Sales, Clients and keep all files in a folder. If you have a client folder, keep all documents related to that client in that specific folder.
2. Create Email Folders & Organize Messsages: There are two schools of thought. One is no folders, just use the search function to find email messages. Yes, it works, but what a long list of email messages. If that bothers you, then create working folders that make sense for your business. For example, prospects, partners, clients, media, mentors and CPA. If your main interaction is by categories of people this can be an effective folder system.
3. Update Your Electoronic Contacts List: Don’t just hold onto business cards. Log them into whatever contact management system you use, so you can access the data quickly and easily. Note: you can always use a card scanner or hire a temp to handle the data entry for you.