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Works with all 3 Credit bureaus

Credit interventions

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65.00/mo

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Congratulations on making the smart choice to manage your credit and finances. To get started, there will be a one-time account set up fee of $40.00. Simply click the button below to create your account and begin taking control of your financial future.

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A sole proprietorship is a type of business structure where a single individual owns and operates the business. This means that the owner is solely responsible for all aspects of the business, including finances, decision-making, and liabilities. It is the simplest and most common form of business ownership, requiring minimal legal formalities and paperwork. In a sole proprietorship, the owner receives all profits from the business and is also personally liable for any debts or legal issues that may arise. This type of business structure is often preferred by small businesses or individuals starting a new venture due to its simplicity and flexibility. However, it's important to note that the owner's personal assets are at risk in the event of any financial or legal difficulties faced by the business.

An LLC, or Limited Liability Company, is a legal business structure that combines the benefits of a corporation and a partnership. It provides limited liability protection to its owners, known as members, which means they are not personally responsible for the company's debts or liabilities. An LLC also offers flexibility in terms of management and taxation. It allows for pass-through taxation, where profits and losses are reported on the members' personal tax returns, avoiding double taxation. Furthermore, an LLC allows for a more informal structure compared to a corporation, with less administrative requirements and fewer formalities. This makes it an attractive option for small businesses and startups looking for liability protection and simplicity in management. situation

An LLC, or Limited Liability Company, can protect your personal assets from being at risk in case of business liabilities or debts. By forming an LLC, you create a separate legal entity that is distinct from your personal finances. This means that if your business faces lawsuits, bankruptcy, or other financial difficulties, your personal assets such as your home, car, or savings are shielded from being used to satisfy those obligations. The limited liability feature of an LLC allows you to enjoy the benefits of entrepreneurship while also mitigating the potential risks to your personal wealth. It provides a level of financial protection and peace of mind, knowing that your personal assets are separate and protected in the event of any unforeseen circumstances.

An LLC, or Limited Liability Company, has both advantages and disadvantages. One of the pros is that it provides personal liability protection for the owners. This means that the owners' personal assets are separate from the company's liabilities, preventing their personal savings or properties from being used to cover business debts. Additionally, LLCs offer flexibility in terms of taxation. They can choose to be taxed as a sole proprietorship, partnership, or corporation, depending on what suits their needs best. On the other hand, there are also cons to consider. Forming an LLC requires more paperwork and fees compared to a sole proprietorship or partnership. Furthermore, some states may also impose additional annual fees and reporting requirements. It is important to carefully weigh the pros and cons before deciding if an LLC is the right business structure for you.

A C-Corp, also known as a C Corporation, is a type of business structure that is separate from its owners, providing them with limited liability protection. This means that the owners, who are known as shareholders, are not personally responsible for the company's debts or legal obligations. In a C-Corp, the company is considered a separate legal entity, which allows it to enter into contracts, own assets, and conduct business in its own name. Additionally, a C-Corp has the advantage of being able to raise capital by selling shares of stock to investors. This business structure is often preferred by larger companies or those planning to go public, as it allows for a greater number of shareholders and provides tax benefits.

An S-Corp, also known as a Subchapter S Corporation, is a type of business entity that provides certain tax advantages to its owners. It is similar to a C-Corp but with specific tax benefits. S-Corps are commonly used by small and medium-sized businesses to avoid the double taxation that C-Corps face. The profits and losses of an S-Corp are passed through to the shareholders' personal tax returns, which means they are only taxed once at the individual level. This is in contrast to a C-Corp where profits are taxed at the corporate level and then again when distributed to shareholders as dividends. To qualify as an S-Corp, the business must meet specific requirements set by the Internal Revenue Service (IRS). These requirements include having no more than 100 shareholders, being a domestic corporation, and having only eligible shareholders such as individuals, certain estates, and certain trusts.

A business bank account is a financial tool designed specifically for businesses to manage their finances effectively. It offers various features and benefits that are tailored to meet the unique needs of businesses, such as easy payment processing, online banking services, and access to business loans and credit facilities. With a business bank account, companies can separate their personal and business finances, which helps in maintaining accurate financial records and simplifying tax filings. Additionally, business bank accounts provide businesses with a professional image by allowing them to receive payments in their company name and issue branded checks and invoices. Overall, having a business bank account is essential for the smooth operation and growth of any business, as it provides the necessary tools and resources to manage finances efficiently.

A digital bank is a financial institution that operates primarily online, without the need for physical branches. It provides all the traditional banking services such as opening accounts, making deposits, withdrawals, and transfers, as well as offering additional features that are unique to the digital banking experience. Customers can access their accounts and manage their finances through a mobile app or a website, making banking convenient and accessible anytime, anywhere. Digital banks often streamline the account opening process, providing quick and easy onboarding, and they may offer advanced financial tools and personalized services. With the use of innovative technology and robust security measures, digital banks ensure a seamless and secure banking experience for their customers. As the world becomes increasingly digitized, the popularity and importance of digital banks continue to grow.

A traditional business bank account is a financial service offered by banks to cater to the needs of businesses. It acts as a secure and reliable platform for managing business finances, facilitating transactions, and ensuring smooth cash flow. With a traditional business bank account, entrepreneurs can easily deposit and withdraw funds, make payments to suppliers and employees, and receive payments from customers. It also provides access to various banking services, such as loans, credit facilities, and merchant services, which can support business growth and expansion. Additionally, business bank accounts often come with features like online banking, mobile banking, and account statements, allowing businesses to monitor their financial activities conveniently. Overall, a traditional business bank account serves as a fundamental tool for businesses to manage their finances effectively and efficiently.

An S-Corporation, commonly known as an S-Corp, is a legal structure for small businesses in the United States. It is a type of corporation that offers certain tax advantages while still providing limited liability protection to its shareholders. The "S" in S-Corp refers to Subchapter S of the Internal Revenue Code, which outlines the specific rules and requirements for this type of entity. In an S-Corp, the profits and losses are passed through to the shareholders' personal tax returns, avoiding double taxation. However, an S-Corp must meet certain eligibility criteria, such as having no more than 100 shareholders and being owned by US citizens or residents. It is a popular choice for small businesses that want to combine the benefits of a corporation with the flexibility of a partnership.

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A sole proprietorship is a type of business structure where a single individual owns and operates the business. This means that the owner is solely responsible for all aspects of the business, including finances, decision-making, and liabilities. It is the simplest and most common form of business ownership, requiring minimal legal formalities and paperwork. In a sole proprietorship, the owner receives all profits from the business and is also personally liable for any debts or legal issues that may arise. This type of business structure is often preferred by small businesses or individuals starting a new venture due to its simplicity and flexibility. However, it's important to note that the owner's personal assets are at risk in the event of any financial or legal difficulties faced by the business.

An LLC, or Limited Liability Company, is a legal business structure that combines the benefits of a corporation and a partnership. It provides limited liability protection to its owners, known as members, which means they are not personally responsible for the company's debts or liabilities. An LLC also offers flexibility in terms of management and taxation. It allows for pass-through taxation, where profits and losses are reported on the members' personal tax returns, avoiding double taxation. Furthermore, an LLC allows for a more informal structure compared to a corporation, with less administrative requirements and fewer formalities. This makes it an attractive option for small businesses and startups looking for liability protection and simplicity in management.

When deciding between forming an LLC or operating as a sole proprietorship, it is important to consider the specific needs and goals of your business and not just the cost of forming a business. An LLC, or Limited Liability Company, provides personal liability protection to its owners, known as members, while also offering flexibility in terms of ownership structure and tax options. On the other hand, a sole proprietorship is the simplest and most common form of business entity, where the owner has complete control and unlimited liability. The decision ultimately depends on factors such as the level of personal liability you are comfortable with, the desired management structure, and the potential for growth and expansion. Consulting with a legal professional or business advisor can help you make an informed choice that aligns with your business objectives.

A registered agent is a person or entity appointed by a business to receive legal and official documents on its behalf. This individual or organization acts as a representative and ensures that the company stays in compliance with state regulations. The registered agent is responsible for accepting legal notifications, tax forms, and other important paperwork. They play a critical role in the communication between the business and the government. By having a registered agent, businesses can maintain privacy as the agent's address is used for public record instead of the company's address. Additionally, a registered agent ensures that important documents are received promptly and handled appropriately. Overall, a registered agent is an essential component for businesses to fulfill their legal obligations and maintain a smooth operation.

Creating a Limited Liability Company (LLC) is a straightforward process that offers numerous benefits for entrepreneurs. First, you need to choose a name for your LLC and ensure its availability by conducting a name search. Then, you'll need to file the necessary formation documents, usually called the Articles of Organization, with the appropriate state agency. These documents typically require information such as the LLC's name, address, and the names of its members. Additionally, you may also need to draft an operating agreement, which outlines the rights and responsibilities of the LLC's members. Once the necessary paperwork is filed and the appropriate fees are paid, your LLC will be officially formed. It's important to consult with an attorney or a business formation service to ensure compliance with state-specific requirements and to understand the legal and tax implications of forming an LLC.

A business virtual address is a service that provides businesses with a physical address, typically in a prestigious location, without the need for a physical office space. This address can be used as the business's official address for correspondence, mailing purposes, and even for registering with government authorities. The service often includes additional features such as mail forwarding, where any mail received at the virtual address can be forwarded to the business owner's preferred location. It offers businesses the flexibility to establish a professional presence without the costs and commitments associated with leasing and maintaining a physical office space. This can be especially beneficial for startups, small businesses, and remote workers who require a professional address but don't need or want a physical office.

A tax EIN number, also known as an Employer Identification Number, is a unique nine-digit identifier assigned by the Internal Revenue Service (IRS) to businesses and other entities for tax purposes. It is used by the IRS to track and identify businesses and organizations when it comes to reporting taxes, filing returns, and conducting other financial activities. The EIN number is akin to a social security number for individuals, but instead, it is specifically designated for businesses. It is essential for companies to have an EIN number to establish their identity and comply with tax regulations. This number is required when opening a business bank account, hiring employees, and dealing with various federal tax forms. Overall, the tax EIN number plays a crucial role in the financial operations and legal obligations of businesses in the United States.

Dun and Bradstreet, commonly known as D&B, is a renowned American company specializing in business data and analytics. Founded in 1841, it has become a prominent provider of commercial information, offering a wide range of services to assist businesses in making informed decisions. Dun and Bradstreet collects, analyzes, and organizes data from various sources, including public records, financial statements, trade references, and more. This comprehensive database enables them to generate detailed reports on companies and industries, providing valuable insights into their financial health, creditworthiness, and overall performance. With their extensive data resources and advanced analytics, Dun and Bradstreet has established itself as a trusted partner for businesses seeking accurate and reliable information to support their strategic planning and risk assessment efforts.

The PAYDEX Score is a valuable tool provided by Dun & Bradstreet to assess the creditworthiness of businesses. This score measures the promptness with which a company pays its suppliers, vendors, and other business partners. Ranging from 0 to 100, the score allows businesses to gauge the risk associated with late payments. A score of 0 signifies the highest risk of delayed payments. Maintaining a good PAYDEX Score is crucial for businesses as it can impact their ability to secure favorable terms with suppliers and obtain financing. By consistently paying invoices on time, companies can improve their PAYDEX Score and establish a solid credit profile, enhancing their reputation and financial standing in the business community.

Business credit refers to a financial arrangement between a company and a lending institution, which allows the company to borrow funds for various business purposes. Unlike personal credit, business credit is specifically designed to meet the financial needs of a business, such as expanding operations, purchasing equipment, or managing cash flow. It is an essential tool for businesses to access additional capital outside of their own resources.

Business credit is established based on the company's creditworthiness, including factors like the company's financial history, revenue, and payment history. Lenders evaluate the creditworthiness of a company to determine the amount of credit they are willing to extend and the interest rates applicable. Maintaining a good business credit score is crucial, as it can open doors to better financing options and help businesses thrive and grow.

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An assumable FHA loan is a type of mortgage loan that allows a homebuyer to take over or "assume" the existing mortgage from the seller. This can be a great option for buyers who want to take advantage of the low interest rates and favorable terms of an FHA loan. When assuming an FHA loan, the buyer simply takes over the remaining balance and terms of the original mortgage. They will need to meet the lender's qualification requirements and pay any applicable fees. By assuming the loan, the buyer can avoid the need for a new loan application and potentially save on closing costs. However, it's important to carefully review the terms and conditions of the assumable loan to ensure it aligns with your financial goals and circumstances.

Hello, my name is William and I am an NNA Certified Signing Agent. With my background in the mortgage industry, I have gained valuable experience in interacting with clients. This experience has enabled me to effectively and accurately fulfill my responsibilities as a notary. As a Signing Agent, I understand the importance of providing professional and efficient services to ensure that all documents are properly notarized. Whether it involves loan documents, affidavits, or any other legal papers, I am committed to executing my duties with precision and attention to detail. My goal is to provide a seamless and hassle-free notary service to all my clients. Rest assured, you can trust me to handle your documents with the utmost confidentiality and professionalism.

We are a comprehensive business network that offers a range of services to help individuals achieve their financial goals. With a Licensed Mortgage Broker, a licensed real estate broker, and a multistate finance advisor, we have the expertise to guide clients through the process of purchasing a home or growing their business. Our team is dedicated to teaching clients how to save, budget, and effectively manage their finances, empowering them to make informed decisions. Whether individuals are interested in the real estate industry or any other business venture, we are here to provide the necessary support and knowledge to help them succeed.

We specialize in providing support to small business owners and individuals who are eager to turn their dreams into reality. Our services extend to farmers seeking suitable land to expand their businesses. We assist them in finding and qualifying for the perfect piece of land, while also offering guidance on how to effectively grow their agricultural ventures. Additionally, we offer comprehensive training programs for aspiring real estate agents, empowering them to become independent brokers and establish their own successful real estate teams. Our aim is to provide the necessary knowledge and resources to help individuals thrive in their respective industries.

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Welcome to the CV3 Capital do-it-yourself course! This course is designed to teach you how to build and improve your business credit, as well as guide you on where to acquire a line of business credit. Along the way, we realized the importance of our members understanding how to establish and create a business entity.

That's why we've included comprehensive information on business entities in this course. We believe that empowering aspiring entrepreneurs to save money is crucial, which is why we've made it a DIY course. Why pay someone hundreds or even thousands of dollars for something you can easily accomplish in less than a day, and at a fraction of the cost? We explain business entities in a straightforward manner, making them less intimidating and more accessible. Our members especially appreciate the included e-book with valuable links.

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