OBM Marketing and Small Business

Business credit repair is often more stressful than consumer credit repair.  Businesses typically run up much higher levels of debt, and usually have much more strict repayment terms.

How do you begin credit repair at your company if you have suddenly found yourself in a poor position?  While scary at first, the process is actually simple and works out fairly well as long as you are honest and willing to work with your creditor.  To begin credit repair, here is what you should do:

1. Contact each of your creditors and ask to change your repayment options.  Creditors are typically willing to negotiate because they know they could receive far less, or even zero, if you filed bankruptcy.

If your debt is particularly large, speak with a higher-level manager who has stronger decision-making power.

2. Work with your creditors to create a realistic repayment plan.  Now that you’ve negotiated lower repayment amounts, pay them off as quickly as possible, even if it harms your short-term profits.

Access to credit is much more important long-term than your short-term profitability.

3. Once your accounts are paid off, check with your creditors to make sure they have reported the changes to credit rating agencies.  Sometimes, they drop the ball.

But, most importantly, once those reports are received and processed by the agencies, they can substantially improve your credit rating over time.

4. Analyze how you managed to get yourself into debt.  What went wrong and what can you do differently to reduce the likelihood that mess happens again?  The answers to these questions will help you understand when to borrow money to grow again in the future, and how much you should really be borrowing.

While having more debt than you can handle is stressful, these tips will help you get that good credit rating back in no time!

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