SAFEGUARDS AGAINST INTERNET IDENTITY THEFT

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Identity theft has become one of the leading crimes in America. The internet is a playground for thieves and hackers. It is a necessity to protect yourself; against internet identity theft. These are some of the things you can do to lower your risk:

• Install a firewall on your home computer to keep hackers from obtaining personal identifying and financial data from your hard drive. This is especially important if you connect to the Internet by DSL or cable modem
• Install and update virus protection software to prevent a worm or virus from causing your computer to send out files or other stored Password-protect files that contain sensitive personal data, such as financial account information. Create passwords that combine 6-8 numbers and letters, upper and lower case. In addition, encrypt sensitive files.
• When shopping online, do business with companies that provide transaction security protection and that have strong privacy and security policies. For more online shopping tips, read PRC Fact Sheet 23, www.privacyrights.org/fs/fs23-shopping.htm
• Before disposing of your computer, remove data by using a strong "wipe" utility program. Do not rely on the "delete" function to remove files containing sensitive information
• Never respond to "phishing" email messages. These appear to be from your bank, eBay, or PayPal. They instruct you to visit their web site, which looks just like the real thing. There, you are told to confirm your account information, provide your SSN, date of birth and other personal information. Legitimate financial companies never email their customers with such requests. These messages are the work of fraudsters attempting to obtain personal information in order to commit identity theft. Visit www.antiphishing.org
• Be aware that file-sharing and file-swapping programs expose your computer to illegitimate access by hackers and fraudsters. If you use such programs, make sure you comply with the law and know what you are doing. Install and update strong firewall and virus protection
• Many file-sharing programs are downloaded by youngsters without the knowledge of their parents. There are software programs available that identify file sharing software and locate shared files on home computers. For more information on safe surfing for families, visit www.getnetwise.org
  

Tags: small business loans, start-up loans, Unsecured lines of credit, Sba loans, Sba approved Business plan, professional Business plan, Low fico business loans, Bad credit loans, How to fund your business, How to increase your business capital, Capital for your business, Free credit inquiry removal, How to remove your credit inquiries for free.

Geographic keywords: San Diego, Los Angeles, Houston, Miami, Utah, Salt Lake city, California

Author: C & C Capital Lending, 3160 Camino Del Rio South, Suite 202, San Diego, CA 92108
Contact phone: 866-552-9267
Website: www.UnsecuredLines.biz

FREE CREDIT REPORT

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FREE CREDIT REPORT

Your credit score, by far, is the single most important indicator of your personal financial well being. Your credit score can help or hurt you. Getting the job, apartment or car that you’ve always wanted is determined by your FICO score. Bad credit will keep you from following your career path, getting a loan or buying a house. Knowing your credit history and keeping an eye on it is the first step in obtaining good credit.

Make it a habit to look at your credit report each year. Old or inaccurate information could cost you a job, apartment or money if you’re applying for a loan. The three major credit-reporting agencies are; Equifax, TransUnion and Experian and upon request are required to give consumers a free credit report each year. You can visit AnnualCreditReport.com to access your report for free or contact C&C Capital Lending and they can assist you in obtaining a free credit report.

A credit report is a list of your payment history, accounts and balances; it also shows the consumer’s payment trend. A credit report is not the same thing as a FICO score. A FICO score is calculated based on the items found in your credit history. Lenders and employers use FICO scores, which is why it is so important to remove inaccuracies from your report.

Don’t wait to find out what is in your credit report. The earlier you begin keeping an eye on your report the faster you can get your finances on track. Click here to get a copy of all your 3 credit history with score or visit www.unsecuredlines.biz


Tags: small business loans, start-up loans, Unsecured lines of credit, Sba loans, Sba approved Business plan, professional Business plan, Low fico business loans, Bad credit loans, How to fund your business, How to increase your business capital, Capital for your business, Free credit inquiry removal, How to remove your credit inquiries for free.

Geographic keywords: San Diego, Los Angeles, Houston, Miami, Utah, Salt Lake city, California

Author: C & C Capital Lending, 3160 Camino Del Rio South, Suite 202, San Diego, CA 92108
Contact phone: 866-552-9267
Website: www.UnsecuredLines.biz

Boost your credit score

It’s not uncommon for small business owners and entrepreneurs to tap into personal credit to keep their companies going, but when it’s time to ask for a business loan you need to know how they’re tied together.

A bank look at your personal credit history if you’re applying for a business loan They’re trying to figure out what’s risky and what’s not risky and determine if anyone will default on a loan.”
Entrepreneurs should be acutely aware of how their personal financial decisions could affect their business. . Many business owner who were considering defaulting on a real estate loan because of the tough economic times had their business lines of credit pulled away from them. New business owners may not have much of a business credit line to show to a bank and need to make sure that their personal credit is strong. Any bank will run a credit report on an applicant so it’s important to review your report even before you apply for a loan.

A credit score of 700 is OK, but not even considered “good” these days.if your credit score falls in low 600s it will be very hard to get a loan.It’s not uncommon for banks to require scores above 800 in order to get a loan.If your credit score falls below a 700 on all 3 credit bureaus, get a copy of your report and work on cleaning it. Don’t sugar coat the situation. Tell the bank here’s the problem and I fixed it. A business needs to show that receivables are coming in, you have a great concept and what dragged down your score was something in the past that you’ve changed.One of the biggest red flags on a credit report is a customer who pays utilities late.

They are such basic necessities and it will immediately drag down your report if you don’t keep current on all payments. If you need a free copy of your credit report, visit our website for a free trial. www.unsecuredlines.biz

Steps To Obtain A Small Business Loan

Many people become tired of working for someone else. Some have always had a dream to start their own business. Others have finally decided to take action but are not quite sure how to go about financing. Here are the steps to turning your dream into a reality:

Step 1
Before applying for a small business loan, begin by writing a detailed 3 year business plan including the cash flow projections for each month of that 3 year period. Also, an estimated profit and loss statement must be included for each month for the 3 year period. The purpose of the business plan is to show the lender a road map on how the business will be structured, marketed and profitable. C&C Capital Lending specializes in preparing business plans that have a high rate of acceptability.

Step 2
Getting a small business loan from a national bank can be difficult at this time. Banks have been greatly affected by the recession. Don’t be surprised if you get turned down for a loan. C&C Capital Lending is a good place to start. They offer business loans up to $1 million and service entrepreneurs all over the U.S.

Step 3
Calculate your monthly DTI or debt to income ratio. Add up all your monthly expenses and subtract it from your monthly income. This will prove to the bank that you are personally vested in your business venture.

Step 4
The bank will want to review records of your income tax returns for the past three years. Make copies and include it with your business loan application.

Step 5
During the application process, the bank will do a credit check to determine how you manage your money. It’s important that you check your credit history for accuracy & score. You can Click here to get a FREE copy of all your 3 credit history with score or visit www.unsecuredlines.org. If you have bad credit it will make it much more difficult to get a loan. A high FICO score is key to getting a loan. If you have bad credit, C&C Capital Lending offers a credit repair program to get you back on track and closer to your dream.

Step 6
Lenders will ask the experience and background of the potential business owner(s). They want to see how much knowledge and training you have in the industry you plan do business in. It is good to have at least 5 years industry experience.

Step 7
Some lenders may want collateral in order to give you a loan. This is called a secured loan. Some people may put their house as collateral; this is risky and is not recommended. Continue to seek unsecured financing options. C&C Capital Lending offers unsecured lines of credit.

These steps were prepared to help you plan out the action plan. Good luck and keep persevering!

THE RECESSION AND SMALL BUSINESS FINANCING

The recession has left many entrepreneurs wondering how small business financing will be affected. Discover Card Financial Services has identified one interesting change.

The research done showed what small business financing looked like prior to and since the recession. Fortunately the findings have been in favor of small businesses. The research explained that the financing did not change much between 2007 and 2009. During this time there was equal distribution of business owners who used a variation of personal savings, credit cards and bank loans. Also, the Obama administration increased SBA funding by an additional $15 billion for small businesses in 2009.

There was a change in whether or not founders of small businesses needed external financing to start their businesses. The report also surprisingly showed that business owners in 2009 used more personal investments and less outside financing than those in 2007.

Academics attribute this phenomenon to the fact that when recessions hit, business owners tend to change their business models so that they can rely less on external financing. This allows them to persist in their entrepreneurial efforts despite the tighter credit conditions.

If credit is still difficult to obtain, C&C Capital Lending offers unsecured lines of credit to either get your business off the ground.

SBA 504 Small Business Loan Interest Rate Drops to 5.14% - Now is the Time to Buy

The Small Business Administration's (SBA) 504 loan program is providing long-term, fixed rate financing for commercial real estate at the lowest interest rate since the program's inception. The SBA's lending partners, Certified Development Companies (CDCs) are busy working with small business borrowers who are taking advantage of this record low interest rate to purchase or build new facilities. the trade association for the nation's Certified Development Companies (CDCs), reports that the interest rate for a 20-year SBA 504 loan hit a record low of 5.14% in September 2009. The September bonds that fund SBA loans were sold to investors this month at a rate of 4.2%. This low sale price, coupled with the fee elimination provided by the Congressional economic stimulus bill, resulted in an effective interest rate – including fees – of only 5.14% for borrowers in September. This interest rate is the lowest since the program began in 1986.The Small Business Administration's (SBA) 504 loan program provides long-term, fixed rate financing for commercial real estate, and has funded nearly $40 billion in loans to growing small businesses over the past 23 years. The SBA's lending partners, Certified Development Companies (CDCs) are extremely busy working with small business borrowers who are taking advantage of these record low interest rates to purchase, build or expand their own facilities. Contact C&C Capital Lending to get your SBA approved Business plan and receive your capital before it's too late.

C&C Capital Lending - Over View

Many people have the dream of starting their own business because they may not like depending on others. So they can choose a field of their interest. But capital is the only barrier for starting the business and so they cannot move further steps. Still they can start their business by getting a loan. If they borrow loan, then they can start our business without any difficulty. Loans that one borrows can be settled in installments with low interests.

The best place to apply for a Business Loans is C&C CAPITAL LENDING (which is the number one company). C&C help people by providing loans with low interests and are members of the better business bureau. C&C Capital Lending provides Unsecured Personal loan, Business loan, Unsecured Home Improvement loan etc. Loans ranging from ten thousand dollars to hundreds and thousands of dollars can also be provided. C&C Capital Lending also provides many other options like Credit Lines, Unsecured Lines of Credit, Business Line of Credit, Line of Credit, Small Business Loans and so on.

There is no application fee or any hidden charges for it like other loans companies. C&C Capital Lending is always unique from others and one can always trust C&C Capital Lending. If someone has any doubts about getting a personal loan, then they can contact C&C through the toll free number on 866-552-9267.

Within 30 seconds you are informed whether you are eligible to apply for a loan.