WEBVTT - Scholars Corner: Personal Credit vs Business Credit

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>I think one of the most important things when it

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<v Speaker 3>comes to establishing great business credit is establishing a great foundation, right.

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<v Speaker 3>I get a lot of people that say I have

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<v Speaker 3>an LLC, I have an EIM and I ask them, well,

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<v Speaker 3>how much business credit do you have?

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<v Speaker 2>But like, all I have is just like one to

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<v Speaker 2>two accounts.

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<v Speaker 3>The thing is is that's not really great business credit.

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<v Speaker 3>You can't really expect to have an eight hundred credit

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<v Speaker 3>score with one five hundred dollars capital one limit.

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<v Speaker 2>It's not going to happen. What do you need? You

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<v Speaker 2>need high limits.

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<v Speaker 3>You probably need a house, you need a car, you

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<v Speaker 3>need a loan, You need more credit in order to

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<v Speaker 3>have that credit score. The thing is a credit score, guys,

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<v Speaker 3>a personal credit score is all a risk factor, right,

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<v Speaker 3>So when you look at a credit score, you go

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<v Speaker 3>three hundred to eight fifty, Right, The lower you are,

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<v Speaker 3>the higher risk you are.

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<v Speaker 2>Right. The higher your credit score, the lower the risk

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<v Speaker 2>you are.

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<v Speaker 3>So if you have an eight hundred credit score, that

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<v Speaker 3>means that just such a low risk.

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<v Speaker 2>But why because.

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<v Speaker 3>You're handling ten twenty thirty forty fifty thousand dollars credit

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<v Speaker 3>cards and mortgages and all the loans, no late payments,

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<v Speaker 3>only applying when you need it, and you have a

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<v Speaker 3>long history now establishing good business credit, guys, Unfortunately, it's

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<v Speaker 3>not that easy. You can't just say I'm going to

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<v Speaker 3>go out there and apply for one or two MX's

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<v Speaker 3>and I got great business credit. Unfortunately, you gotta do

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<v Speaker 3>the work with not only going on the websites for

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<v Speaker 3>gas cards, you have to go ahead and get you know,

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<v Speaker 3>your business set up correctly? Is your done in Brass

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<v Speaker 3>Street set up correctly?

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<v Speaker 2>Do you have all your pro.

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<v Speaker 3>Like I did it video, guys, And to my knowledge,

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<v Speaker 3>there really isn't anybody out there that opened up their

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<v Speaker 3>business credit report live for other people to see. I

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<v Speaker 3>do it for you guys and my clients.

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<v Speaker 2>That's it.

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<v Speaker 3>I treat earn your leisure the same way I treat

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<v Speaker 3>my clients, because you guys are freaking awesome number one,

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<v Speaker 3>but your mindset is a little bit differently. So one

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<v Speaker 3>of the first videos that I did, if you haven't

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<v Speaker 3>watched that video, watch it three or four.

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<v Speaker 2>Or five times.

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<v Speaker 3>I show you, guys, literally how to create a done

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<v Speaker 3>in Brasstreet number where you can go on done in

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<v Speaker 3>Brass there's website right now. They charge you two thousand

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<v Speaker 3>dollars for that. They charge you, you know to X

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<v Speaker 3>with that everything. So if your business credit, if you

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<v Speaker 3>don't even have done in Bradstreet with all your information

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<v Speaker 3>set up, you really can't establish good business credit. I

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<v Speaker 3>think that's where a lot of people get stuck. Right now,

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<v Speaker 3>all right, you have your done in Bradstreet number. Okay,

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<v Speaker 3>has everybody signed up for nav dot com Business Boost

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<v Speaker 3>to monitor your your your business credit. You can't track

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<v Speaker 3>what you're not like. You can't improve what you don't monitor.

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<v Speaker 3>So if you think that the forty dollars a month

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<v Speaker 3>for monitoring your business credit is too much, then maybe

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<v Speaker 3>you're just not ready to start a business yet. Unfortunately,

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<v Speaker 3>if you're not willing to spend it twenty to twenty

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<v Speaker 3>to thirty thousand a month with paying for credit monitoring,

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<v Speaker 3>then unfortunately, you fixing your credit.

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<v Speaker 2>Might just not be a priority right now.

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<v Speaker 3>And that's just the way it is, because if you're

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<v Speaker 3>not ready to track your credit and spend it like

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<v Speaker 3>we use, we actually have a new monitoring it's called

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<v Speaker 3>god Credit Monitoring dot com.

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<v Speaker 2>It's twenty bucks.

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<v Speaker 3>We got away from identity iq because Identity iq was

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<v Speaker 3>raising the cost every single month for our clients and

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<v Speaker 3>we just thought it was unfair, you know what I mean.

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<v Speaker 2>So we got our own credit monitor and got our

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<v Speaker 2>own little site.

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<v Speaker 3>Got credit monitoring is twenty bucks a month, but we

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<v Speaker 3>get people like, man.

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<v Speaker 2>I really don't want to spend that.

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<v Speaker 3>But then more than likely a good credit score is

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<v Speaker 3>not something that you are interested in because it's like

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<v Speaker 3>imagine a doctor telling you, hey, man, in order for

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<v Speaker 3>me to check your heart, I need you to do

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<v Speaker 3>this blood work. I need you to do this, I

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<v Speaker 3>need to do that, and you're like, h, I don't

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<v Speaker 3>really care about all that. Well, I can't help you then, man,

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<v Speaker 3>I can't really let you know what you got going on.

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<v Speaker 3>So with business credit, right, great business credit. If you

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<v Speaker 3>don't have at least five gas cards, then keep going

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<v Speaker 3>google local business gas cards. This is a three step

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<v Speaker 3>number one. The first step is set up your entire

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<v Speaker 3>company correctly. You got your business. You have your I

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<v Speaker 3>mean your your formation document, I mean whether it's an LLC,

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<v Speaker 3>S CORP, nonprofit, whatever the case is. You also have

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<v Speaker 3>your your tax ID number, which you can get for

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<v Speaker 3>free on the IRS website you have. Then now you

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<v Speaker 3>can get your business bank account. Now you go ahead

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<v Speaker 3>and get your you're done in Bradstreet. Now you go

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<v Speaker 3>ahead and get com done. Right, that's like the basic things.

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<v Speaker 2>Right. Now you get your regius, your virtual office.

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<v Speaker 4>This episode is brought to you by P and C Bank.

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<v Speaker 1>An illegal alien from Guaateamal charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:07:10.400 --> 0:07:14.320
<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

0:07:18.200 --> 0:07:21.800
<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:07:26.640 --> 0:07:30.160
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:07:30.240 --> 0:07:33.440
<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

0:07:33.520 --> 0:07:37.400
<v Speaker 1>are here illegally, your next you will be fined nearly

0:07:37.480 --> 0:07:41.480
<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

0:07:41.520 --> 0:07:45.160
<v Speaker 1>never return. But if you register using our CBP home

0:07:45.200 --> 0:07:48.600
<v Speaker 1>app and leave now, you could be allowed to return legally.

0:07:48.960 --> 0:07:53.680
<v Speaker 1>Do what's right. Leave now. Under President Trump America's laws,

0:07:53.880 --> 0:07:56.320
<v Speaker 1>border and families will be protected.

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<v Speaker 4>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>You get your your your business phone number with Ring Central.

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<v Speaker 3>You get yourself a website. Let me ask you, guys

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<v Speaker 3>a question. There's almost two hundred people on this call. Now,

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<v Speaker 3>how many people have a website with their name on it?

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<v Speaker 3>I have jose A Rodriguez Junior dot com. A lot

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<v Speaker 3>of people are saying like, oh my god, I don't

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<v Speaker 3>have a website. I don't have whatever the case is. Yeah,

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<v Speaker 3>you do whatever your name is dot com and then

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<v Speaker 3>forward that you and create a basic website with your name,

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<v Speaker 3>your information, your business address, whatever the case is. Now

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<v Speaker 3>you create Google my business page. Now what do you

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<v Speaker 3>do a Google? You have a website with your name

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<v Speaker 3>on it and a lot of stuff. I like to reiterate.

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<v Speaker 3>And then now you get all your friends. If you

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<v Speaker 3>have at least thirty friends. Get thirty people to give

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<v Speaker 3>you a review on you know, Jose Ai Rodriguez dot com,

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<v Speaker 3>on your Google page or whatever the case is.

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<v Speaker 2>To build credibility.

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<v Speaker 3>Right now, you get your gas cards, right, You get

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<v Speaker 3>all of your gas cards right, People say, well, what

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<v Speaker 3>gas cards do I get?

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<v Speaker 2>When you drive down the street and you see a.

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<v Speaker 3>Gas station, more than likely that gas station has a

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<v Speaker 3>business gas card. You just got to go on the

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<v Speaker 3>website seventy six wildwah seven eleven quick check, wex dot com,

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<v Speaker 3>w e x dot com, uh wexfleet. They have a

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<v Speaker 3>lot of gas cars that you guys can get, uh

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<v Speaker 3>Fuelman and Murphy, you know what I mean. There's a

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<v Speaker 3>lot of gas cars that you guys can get. Just

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<v Speaker 3>google it, you know what I mean. And that's the thing,

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<v Speaker 3>guys is, you guys really do have a lot of

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<v Speaker 3>resources at your fingertips. As long as if I just

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<v Speaker 3>show you how to find things, my job is done.

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<v Speaker 3>I don't always got to do it for you. But

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<v Speaker 3>if I can show you how to to think about this.

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<v Speaker 3>If you know you're going to vacation in California, google

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<v Speaker 3>the gas stations in California. So now that way, you

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<v Speaker 3>can get a gas card from that gas station. Now

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<v Speaker 3>when you go on you're using your book a car

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<v Speaker 3>on Touro. You go to that gas station in California,

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<v Speaker 3>you don't got to use your debit card. Now you're

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<v Speaker 3>building business credit by using as a gas card from

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<v Speaker 3>a state you're never in. But now you know, whenever

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<v Speaker 3>you go to California you got a gas card, You're good. Look,

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<v Speaker 3>I'm going to Texas in June. I'm going to be

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<v Speaker 3>looking up every single gas card company. And because it's

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<v Speaker 3>because it's different, you know what I mean. There's a

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<v Speaker 3>different gas stations here than in Tech.

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<v Speaker 2>You know what I mean. That's one way you can

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<v Speaker 2>build business credit.

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<v Speaker 3>Now, imagine if you have a gas card for every

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<v Speaker 3>single sate you visit. Now you have fifty gas cards

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<v Speaker 3>if you go to every single state. You see what

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<v Speaker 3>I'm saying. But that's the thing is a lot of

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<v Speaker 3>people want to build great business credit, but you're not

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<v Speaker 3>willing to do the net thirties, the gas cards, the

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<v Speaker 3>cars that really nobody wants staples. BJ's that that right there, guys,

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<v Speaker 3>is how you're gonna get a car with no personal guarantee. Unfortunately,

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<v Speaker 3>American Express and Chase is not going to get you

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<v Speaker 3>to the point where you're building business credit where you

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<v Speaker 3>can get approved with no personal guarantee in a car.

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<v Speaker 2>It's not gonna happen, unfortunately. It's just not the way

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<v Speaker 2>it is. You know what I mean.

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<v Speaker 3>You really have to build great business credit by getting

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<v Speaker 3>the all the accounts like we have. I think maybe

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<v Speaker 3>like fifteen to twenty accounts in our program, and I

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<v Speaker 3>share them with you guys.

0:10:50.000 --> 0:10:50.480
<v Speaker 2>You know what I mean.

0:10:50.840 --> 0:10:54.480
<v Speaker 3>Home Depot has three Lowe's has three bj Sam's Club

0:10:54.559 --> 0:10:57.360
<v Speaker 3>cost Go. That's that right, there is like nine you

0:10:57.360 --> 0:10:59.319
<v Speaker 3>know what I mean, Gas cars Boom, that's another ten.

0:10:59.640 --> 0:11:01.800
<v Speaker 3>Next thing, you know, you literally have twenty to twenty

0:11:01.800 --> 0:11:04.240
<v Speaker 3>five accounts on business credit. Now when you want to

0:11:04.240 --> 0:11:06.120
<v Speaker 3>go get a car in your business name, you can.

0:11:06.240 --> 0:11:07.319
<v Speaker 3>People think that you can't.

0:11:07.360 --> 0:11:07.720
<v Speaker 2>You can.

0:11:08.240 --> 0:11:10.480
<v Speaker 3>You guys know thirty one Dodge. We promote them all

0:11:10.520 --> 0:11:12.199
<v Speaker 3>the time. I get zero money from thirty one Doves.

0:11:12.240 --> 0:11:14.120
<v Speaker 3>They've offered to give me checks and referral fees, and

0:11:14.280 --> 0:11:16.160
<v Speaker 3>I don't want it. Just have my clients go there.

0:11:16.240 --> 0:11:17.960
<v Speaker 3>We have a new You know, it doesn't matter who

0:11:18.000 --> 0:11:20.319
<v Speaker 3>you speak to. A thirty one Dodge call thirty one doys. Hey,

0:11:20.320 --> 0:11:22.160
<v Speaker 3>I'm trying to apply for a car in my business name.

0:11:22.320 --> 0:11:23.040
<v Speaker 2>What car do you want?

0:11:23.040 --> 0:11:23.240
<v Speaker 4>This one?

0:11:23.280 --> 0:11:25.079
<v Speaker 3>Okay, we'll send you the application, fill it out, get

0:11:25.080 --> 0:11:27.160
<v Speaker 3>it back to me. They're running your business credit, guys,

0:11:27.280 --> 0:11:29.320
<v Speaker 3>they're running You're done in Bradstreet, you know what I mean.

0:11:29.440 --> 0:11:31.800
<v Speaker 3>But if you don't even have at least five to

0:11:31.800 --> 0:11:35.079
<v Speaker 3>ten accounts on your business credit, then why are you

0:11:35.160 --> 0:11:36.040
<v Speaker 3>applying for a car?

0:11:36.640 --> 0:11:38.880
<v Speaker 2>Those are the people that say, oh, this doesn't work.

0:11:39.000 --> 0:11:39.559
<v Speaker 2>It does work.

0:11:39.600 --> 0:11:41.400
<v Speaker 3>You're just not doing the work that we're telling you

0:11:41.440 --> 0:11:44.679
<v Speaker 3>to do. You're trying to bypass certain steps. And then

0:11:44.720 --> 0:11:48.079
<v Speaker 3>the way you continue building business credit is then every

0:11:48.120 --> 0:11:52.080
<v Speaker 3>single time that you look to apply for something, remember

0:11:52.360 --> 0:11:54.040
<v Speaker 3>ask them, hey do you have a business credit card?

0:11:54.240 --> 0:11:56.280
<v Speaker 2>Hey do you have a business credit account? Do you

0:11:56.280 --> 0:11:57.600
<v Speaker 2>have a net thirty? Do you have this?

0:11:58.000 --> 0:11:59.719
<v Speaker 3>And I promise you the majority of the people that

0:11:59.720 --> 0:12:02.199
<v Speaker 3>you're trying to apply for have a net dirty account,

0:12:02.360 --> 0:12:04.040
<v Speaker 3>have some type of business credited account, you know what

0:12:04.040 --> 0:12:04.319
<v Speaker 3>I mean