#credit
Understand business credit, scoring, and credit management strategies
Equifax earned $1.79 EPS (+39%) on $1.69B Q3 revenue (+10%), then cut FY revenue guidance $84M on mortgage weakness while holding EPS at $8.50 via AI savings.
A secured card, a credit-builder loan, or authorized-user status builds your first FICO score in about six months — paid on time, every time.
The avalanche minimizes interest paid, but research shows snowball users finish more often — pick the payoff order you'll still follow in month 14.
Pre-service debts of active-duty servicemembers cap at 6 percent interest — forgiven, not deferred — and leases end early with no penalty.
Match every card charge to a receipt and a business purpose each month, so fraud surfaces in weeks and every deduction stays defensible.
Eleven US states now bar most employer credit checks. Where they stay legal, the FCRA requires written disclosure, consent and adverse action notices.
Nubank earned $1.06B in Q2 2026, its first $1B quarter: 138.9M customers at a $1 monthly cost to serve, a 22.9% NIM and $6.59B of loss allowances.
Set who gets credit, how much, and what happens when payment is late: approval tiers, credit limits, deposits, late fees, and a day-triggered collection ladder.
73% of renters say credit reporting would make them pay on time. Compare landlord-led vs. tenant-paid services, costs, and FCRA consent rules.
A PMSI lets a supplier outrank a bank's earlier blanket lien on the goods it sold — but only with exact mechanics: file within 20 days for equipment, and for inventory perfect before delivery plus send an authenticated notice the lender received within the prior five years.
Inland Revenue can report significant unpaid business tax to a credit reporting agency — GST, PAYE, or income-tax debt over NZ$150,000 that is 90+ days overdue, or debt unpaid for more than 12 months equal to at least 30% of assessable income. Here is how the 30-day Notice of Intent works from 1 April 2026, and the myIR review and reconciliation controls that keep a balance off your credit file.
Amex launched the Graphite Business Cash Unlimited at $295 with 2% unlimited cash back and raised Business Platinum to $895 in 2026. Learn how no preset spending limit affects forecasts, how to book annual fees and 2%–5% rewards correctly, and a framework to compare effective fees, credits, and cash flow before you renew.
