Month: March 2021

How Do I Remove Inquiries from My Credit Report?


Everyone is trying to back in the groove now that 2020 is further and further back in our rearview mirror. Whether you are applying for a new home or a start-up loan for a new business, it’s important to know how your credit report will affect the funding available to you.

Simply put, a credit inquiry is a credit check. Inquiries happen when there is a legally permitted request to see your credit report from a company or person. All inquiries aren’t created equal.

TYPES OF INQUIRES

There are 2 different types: hard and soft.

Hard inquiries are ones made with your permission for specific transactions. When you apply for credit—be it a credit card, mortgage or car loan—the potential lender will generally pull your credit before deciding whether to approve your loan application and what the terms might be.

Soft inquiries won’t show up on reports requested to evaluate your credit-worthiness. Every time you check your credit report, a soft inquiry is generated. Among other reasons, soft inquiries happen when creditors check your credit to determine any pre-approved offers.

WHY DO I HAVE SO MANY INQUIRIES?

Clients having too many inquiries in today’s world is very common.  A lot of financial companies put an unnecessary amount of inquiries on the clients credit report when trying to get them financing.  Once you have excessive inquiries on your credit report then getting any type of financing will be close to impossible.

WHY DO CLIENTS GET TURNED DOWN FOR FINANCING WITH TOO MANY HARD INQUIRIES?

When your file gets to underwriting having too many inquiries could mean the following.  1.  You are desperate for capital  2.  The file is fraudulent  3.  You are stacking the funding.  Stacking the funding means you have been approved for capital from other places already but it has not shown up on your credit report yet.

HOW CAN OUR COMPANY HELP YOU?

We remove unauthorized hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report.  These extra inquiries will lower your credit scores by 3-5 points each and if you have too many of them 6+ you will still not be eligible for financing even with a very high personal credit score.  Our service removes all unauthorized hard inquiries on all 3 credit agencies.  We charge per deletion and guarantee results of 85% + success to qualify you for funding.

CAN I REMOVE INQUIRIES FROM OPEN ACCOUNTS?

No you cannot.  Inquiries that are tied to open accounts are not bad.  Only excessive inquiries NOT tied to open accounts or preexisting accounts.

CAN YOU REMOVE INQUIRES FROM ALL AGENCIES?

Yes we can!  We are successful on all 3 agencies including Equifax (EFX)

IS IT A GOOD IDEA TO REMOVE THE INQUIRIES?

Every inquiry on your report cost you 3-5 points on your fico score.  Removing excessive inquiries makes you eligible for funding, makes your score go up and makes you look better to get approved for future capital.

HOW LONG DOES IT TAKE TO REMOVE THE HARD INQUIRIES?

Generally Experian and Transunion is the quickest within 3 weeks.  Equifax takes 5 to 6 weeks.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Spring 2021 Business Ideas: Landscaping Business


Starting a business takes careful planning in all aspects, from financial, to marketing. For example, knowing the best time to execute your concept, or simply looking for something that coincides with the season is a factor that greatly determines how quickly your business will grow. A solid example of a timely business concept for Spring 2021 is a Landscaping Business. Let’s talk about what it would look like to break into that industry this Spring 2021!

Industry Snapshot

According to the Professional Landcare Network (PLANET), an international association serving lawn care professionals, exterior maintenance contractors, installation/design/building professionals, and interiorscapers, there are an estimated 10,000 individual lawn care service providers and approximately 12,000 landscapers in the United States. These run the gamut from independent operations to franchises and divisions of large corporate chains. It’s believed that the number of businesses could actually be significantly higher because there are so many people doing lawn and landscape maintenance informally and on a cash basis. What is known for sure, according to the Occupational Outlook Handbook, 2006-2007 (U.S. Department of Labor), is that almost 1 out of every 4 landscaping, groundskeeping, nursery, greenhouse and lawn service workers is self-employed and provides maintenance services directly to customers on a contract basis. Of these, about 1 out of every 6 works part time.

The market they serve is huge. A 2005 survey by Irrigation and Green Industry magazine concluded that the U.S. green industry, which includes lawn and landscape maintenance, landscape contractors, landscape architects, irrigation contractors, and lawn and landscape product suppliers, generates $67 billion to $69 billion annually. Additionally, PLANET estimates that the landscaping services sector alone generates 704,000 jobs and $35.6 million in value-added services annually.

Who Are the Customers?

Landscaping:

  • Homeowners who don’t have the vision, skill or tools to design their own landscaping
  • New homeowners who wish to update the existing landscaping
  • Homeowners who plan to put their home on the market and want to improve its curb appeal with fresh or updated landscaping
  • Builders of both residential and commercial properties who don’t already have their own landscaper on staff

Lawn maintenance:

  • Homeowners who are frequently out of town on business
  • Retirees who don’t care to do their own maintenance any longer
  • “Snowbirds” with winter homes in warmer climates
  • Golf course managers who may need help with maintenance
  • Rental property or condominium association managers who are personnel-impaired
  • Facilities managers for botanical gardens, historic buildings, municipalities and other government entities, universities, cemeteries and other public places with green spaces

Types of Green Industry Service Businesses

There are numerous ways to get into the lawn and landscaping industry. The basic types of lawn and landscaping businesses include:

  • Lawn mowing/maintenance
  • Sod installation/hydroseeding
  • Weeding or fertilizer and/or pest control application
  • Landscape care/maintenance services
  • Landscape design/contracting services
  • Landscape architecture services

Earnings

Exactly how much can you earn? The sky’s truly the limit. The lawn care and landscaping business owners we interviewed for this book earned anywhere from $5,000 to $50,000 in their first year, and as much as $160,000 to $250,000 once they were in business a few years. They offer services ranging from basic mowing and trimming to landscape design, installation and maintenance, and chemical application

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Are you a #floridabusinessowner or #futurebusinessowner? Are you keeping tabs on the latest Press Releases and statistics? All the information helps you to form a good understanding of where we’ve come from and where we are headed: bit.ly/ufseptblog1

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Keeping up with Industry News


A lot of business owners only look at the future in the beginning of the year, but as entrepreneurs, we should be thinking about the future all year long. Staying on top of trends that affect your business, your customers and your industry is crucial to keeping your company competitive. Here are 10 tips for keeping up on trends.

  1. Read voraciously. Read all you can about your industry, your market and the world in general. Regularly keep up with industry trade publications and websites; national, regional and city newspapers; influential bloggers and business thought leaders.
  2. Get involved in your industry. Join industry associations, attend their events, take trainings and participate in online communities. Associations work hard to keep their members abreast of trends, so take advantage of their expertise.
  3. Network. Get to know people in your industry—and outside of it. Regularly meet and talk with colleagues, partners and clients about trends in their businesses. These conversations are sure to spark ideas.
  4. Keep in touch with your customers. Social networking tools like Facebook, LinkedIn and Twitter make it easier than ever to find out what your customers think and want. Are they staying at home more? Spending less? Cooking more? All you have to do is ask.
  5. Monitor your business. Use tools like financial projections and business dashboards to measure business benchmarks and spot trends. Which products are selling, and which aren’t? Are supply costs rising or falling? Tracking trends over time helps you predict potential problems—and opportunities.
  6. Study statistics. Government agencies compile mountains of statistics that can help you pinpoint trends in demographic groups, regions, industries and more. The National Bureau of Economic Research, the U.S. Census Bureau and Fedstats websites are great places to start.
  7. Observe your competition. Visit their locations and websites; follow them on Facebook and Twitter. What new initiatives, products or services are they launching? Are they targeting new markets or expanding to new regions?
  8. Get out of the office. Regularly go where your customers congregate–whether that’s the local restaurant row, mall or office park–and observe what people are doing, wearing and buying.
  9. Think outside the box. Get beyond your own industry, market and region to learn what people in unrelated fields are doing. Read news from Japan or New York City. Visit sites for skateboarders or commodities traders. Learning about trends in other “worlds” will spark new ideas for your own.
  10. Think long-term. Trends differ from fads, so don’t get caught up in “what’s hot now.” Think beyond today to how a current trend might affect your industry one, five or 10 years down the road.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Marching Into Business: Why 2021 Could Be the Best Year for a Start-Up


Clearly 2020 was a year of discouragement for a lot of business owners and those in the workforce. However, it has moved us to embrace the fact that a great many things are out of our control and has given us a clearer picture of what was broken in the business world and what was working. With that in mind, many entrepreneurs are taking this new chapter and leaping into the eager new business world. It is during times like this when a new wave is created — not only in how business is done, but also in leadership.

  • 1957 – 1958 during the recession, the first Hyatt hotel opened.
  • 1973 – 1975 Microsoft was founded during the embargo recession.
  • 2007 – 2009 during the Great Recession, we saw the creation of several startups like Uber as well as popular vacation rental marketplace Airbnb. 

If you’ve been wondering whether or not now is the best time to start a company, or if you’ve already started to dip your toes into entrepreneurship but are second-guessing your decision, here are 3 reasons why you should trust your instincts and go all in.

  1. Consumption of Online Content is Higher Than Ever

Consumers’ ever-increasing problems mean they’re seeking more solutions than ever. It’s now become easier and more accessible for everyday people to start businesses such as e-commerce, virtual assistant work, coaching, or becoming a freelance writer, designer or developer.

E-commerce has spiked by nearly 40% in the wake of Covid-19. 

If you think about how your own consumption and purchasing behaviors have changed over the last few years, it’s easier to spot trends in where we are heading in the world of consumption and business.

If you think about what solutions you wish you had, that aren’t currently being met, chances are there are others looking for the same solutions.

  1. Introspection Leading to Innovation

As we began to spend more time in our homes, we had more time to do what we loved. For many of us, this meant cooking, writing, speaking, and creating in ways that are unique to our own genius.

We so often doubt ourselves and what we are good at — to the point where it stops us from taking the next step toward our highest desires. We believe that our gifts are not unique gifts. We believe our talents come easily to everyone, when in reality, you’re incredibly gifted.

While some people may be good at your talents or able to learn them quickly, they may not necessarily enjoy it. When you enjoy it, your passion and energy shines through your work. Work becomes effortless and enjoyable when you’re living in true alignment with your soul and heart’s desires.

  1. Recessions Expand the Available Workforce

The pandemic forced millions of people out of their jobs. If those people don’t decide to start their own companies, they’ll be looking to join those who do, putting their experience and expertise where it’s most valued.

Not only are we helping those in need of financial relief during challenging times, we are connecting those same people with missions and new business ideas that are truly life-changing.

If you’re hesitant about starting a business during this time, look for the reasons why it will work, instead of why it won’t — because what we focus on grows.

The world of online business is the new normal, and many successful leaders, businesses, and companies are creating during times of turmoil.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

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