『Credit Repair Matrix』のカバーアート

Credit Repair Matrix

Credit Repair Matrix

著者： Author Adidas Wilson
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 “Welcome to the Credit Repair Matrix, hosted by Author Adidas Wilson. With over 20 years of experience, Adidas brings expert insights to personal credit repair and business credit building. This blog and podcast are your go-to resources for practical advice, proven strategies, and empowering knowledge to take control of your financial future.”Copyright Author Adidas Wilson
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  • What Is a Good Business Credit Score?

    What Is a Good Business Credit Score?
    2025/11/04
    The source provides an essential guide to business credit scores in 2025, emphasizing that these scores are crucial for securing favorable loan terms and vendor partnerships. It meticulously defines business credit as a measure of commercial reliability distinct from personal credit, focusing on how different bureaus calculate scores based primarily on payment timeliness and debt utilization. The episode outlines the scoring ranges and "good" thresholds for major reporting agencies like Dun & Bradstreet (PAYDEX 80+), Experian (76+), Equifax, and FICO SBSS (160+), which is required for SBA loans. Finally, the guide offers a step-by-step roadmap for building credit from scratch and provides practical strategies for improving existing scores, such as paying early, reducing utilization, and monitoring reports regularly.
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    50 分
  • 9 Financial Setbacks That Actually Won’t Kill Your Credit Score

    9 Financial Setbacks That Actually Won’t Kill Your Credit Score
    2025/10/25
    The source provides an extensive guide to understanding which common financial setbacks do not directly harm one's credit score, helping individuals reduce anxiety about these events. It begins with a primer on credit scoring models, such as FICO, explaining the five key factors that determine a score, with Payment History and Credit Utilization accounting for the largest percentages. The episode then details nine specific situations, including losing a job, withdrawing savings, and receiving medical bills, clarifying why these actions are generally not reported to credit bureaus and thus do not immediately impact the score. Crucially, the guide emphasizes that while these setbacks are not credit disasters themselves, they can indirectly cause harm if they lead to behaviors like missed credit payments or increased credit card debt. Finally, it offers practical advice on how to proactively protect credit health by communicating with creditors and prioritizing essential credit payments during difficult times.
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    47 分
  • What to Do If You Get Rejected for a Loan

    What to Do If You Get Rejected for a Loan
    2025/10/24
    The source provides a comprehensive guide to recovering from a loan rejection, framing the denial not as a failure but as an opportunity for financial improvement. It identifies and explains the most common reasons for loan denial, including poor credit score, high debt-to-income (DTI) ratio, insufficient income, and application errors, offering specific, actionable solutions for each problem. The episode then outlines immediate steps to take after rejection, such as requesting the adverse action notice and assessing one's finances, while also recommending long-term strategies like building credit and saving for a larger down payment. Finally, the guide explores alternative financing options, such as credit union loans and peer-to-peer lending, to help individuals meet their financial needs while preparing for successful future applications.
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    39 分
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