1 00:00:01,240 --> 00:00:01,600 Speaker 1: Earners. 2 00:00:01,639 --> 00:00:03,760 Speaker 2: What's up. You ever walk into a small business and 3 00:00:03,800 --> 00:00:07,320 Speaker 2: everything just works like The checkout is fast, the receipts 4 00:00:07,320 --> 00:00:10,840 Speaker 2: are digital, tipping is a breeze, and you're out the 5 00:00:10,880 --> 00:00:15,000 Speaker 2: door before the line even builds. Odds are they're using Square. 6 00:00:15,480 --> 00:00:18,079 Speaker 2: We love supporting businesses that run on Square because it 7 00:00:18,160 --> 00:00:21,119 Speaker 2: just feels seamless. Whether it's a local coffee shop, a 8 00:00:21,239 --> 00:00:23,639 Speaker 2: vendor at a pop up market, or even one of 9 00:00:23,680 --> 00:00:26,799 Speaker 2: our merch partners, Square makes it easy for them to 10 00:00:26,840 --> 00:00:30,680 Speaker 2: take payments, manage inventory, and run their business with confidence, 11 00:00:31,040 --> 00:00:34,320 Speaker 2: all from one simple system. If you're a business owner 12 00:00:34,520 --> 00:00:37,920 Speaker 2: or even just thinking about launching something soon, Square is 13 00:00:38,040 --> 00:00:40,080 Speaker 2: hands down one of the best tools out there to 14 00:00:40,120 --> 00:00:44,080 Speaker 2: help you start, run, and grow. It's not just about payments, 15 00:00:44,479 --> 00:00:47,120 Speaker 2: it's about giving you time back so you can focus 16 00:00:47,159 --> 00:00:49,879 Speaker 2: on what matters most Ready. To see how Square can 17 00:00:49,880 --> 00:00:54,720 Speaker 2: transform your business, visit Square dot com backslash go backslash 18 00:00:54,800 --> 00:00:58,960 Speaker 2: eyl to learn more that Square dot com backslash, go 19 00:00:59,360 --> 00:01:03,560 Speaker 2: backslash eyl. Don't wait, don't hesitate. Let's Square handle the 20 00:01:03,640 --> 00:01:08,400 Speaker 2: back end so you can keep pushing your vision forward. 21 00:01:09,760 --> 00:01:12,000 Speaker 2: This episode is brought to you by P and C Bank, 22 00:01:12,400 --> 00:01:15,160 Speaker 2: a lot of people think podcasts about work are boring, 23 00:01:15,360 --> 00:01:19,200 Speaker 2: and sure they definitely can be, but understanding of professionals 24 00:01:19,319 --> 00:01:22,559 Speaker 2: routine shows us how they achieve their success little by little, 25 00:01:22,920 --> 00:01:26,600 Speaker 2: day after day. It's like banking with P and C Bank. 26 00:01:27,040 --> 00:01:29,839 Speaker 2: It might seem boring to save, plan and make calculated 27 00:01:29,880 --> 00:01:33,000 Speaker 2: decisions with your bank, but keeping your money boring is 28 00:01:33,000 --> 00:01:36,360 Speaker 2: what helps you live or more happily fulfilled life. P 29 00:01:36,440 --> 00:01:41,280 Speaker 2: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly 30 00:01:41,319 --> 00:01:43,960 Speaker 2: Boring since eighteen sixty five is a service mark of 31 00:01:44,000 --> 00:01:47,240 Speaker 2: the PNC Financial Service Group, Inc. P and C Bank 32 00:01:47,680 --> 00:01:52,960 Speaker 2: National Association Member FDIC. I'm thinking in my mind, right, 33 00:01:53,040 --> 00:01:55,160 Speaker 2: we got a lot of people and it's like, as 34 00:01:55,200 --> 00:01:57,240 Speaker 2: soon as you get to college, you know in the 35 00:01:57,240 --> 00:01:59,400 Speaker 2: areensate they sent you those right before you went off 36 00:01:59,680 --> 00:02:02,040 Speaker 2: in college, they giving you credit cards right off the rip. 37 00:02:02,440 --> 00:02:05,120 Speaker 2: Is this something that young entrepreneurs could actually take advantage of? 38 00:02:05,240 --> 00:02:08,360 Speaker 1: No, I would say, as soon as you're eighteen, if 39 00:02:09,880 --> 00:02:12,480 Speaker 1: to let you know, I'm trying to change the way 40 00:02:12,480 --> 00:02:15,120 Speaker 1: that people think of credit and start applying for credit. 41 00:02:15,639 --> 00:02:19,080 Speaker 1: So if parents start adding their kids at sixteen, when 42 00:02:19,120 --> 00:02:21,480 Speaker 1: they're eighteen, they already have a seven fifty eight hundred. 43 00:02:21,760 --> 00:02:24,160 Speaker 3: Yeah, talk about that. You know, I saw that on Instagram. 44 00:02:24,160 --> 00:02:26,560 Speaker 3: You're just like sixteen. Yeah, can you explain that? 45 00:02:26,639 --> 00:02:28,160 Speaker 1: Yep? So, because it kind of goes in hand with 46 00:02:28,200 --> 00:02:31,240 Speaker 1: your question. So it's like, if you have kids that 47 00:02:31,280 --> 00:02:34,880 Speaker 1: are that are under eighteen and at least sixteen, you 48 00:02:34,919 --> 00:02:37,520 Speaker 1: can add them to your credit card, just like how 49 00:02:37,600 --> 00:02:39,520 Speaker 1: I think we say your grandmother, right, mom, your mom, 50 00:02:39,560 --> 00:02:42,520 Speaker 1: Your mom added you to your card, you got all 51 00:02:42,560 --> 00:02:44,600 Speaker 1: that history. But if she would have added you at sixteen, 52 00:02:45,160 --> 00:02:49,440 Speaker 1: when you turned eighteen, now you have at least two 53 00:02:49,560 --> 00:02:51,680 Speaker 1: years of an active credit report. Because this is the thing. 54 00:02:52,000 --> 00:02:54,799 Speaker 1: Your credit report doesn't exist until something happens on there 55 00:02:55,320 --> 00:02:57,320 Speaker 1: your credit report. You're eight years old, you don't have 56 00:02:57,360 --> 00:02:59,320 Speaker 1: a credit report, you know what I mean. So if 57 00:02:59,320 --> 00:03:01,760 Speaker 1: you're sixteen and your parents add your mom and dad 58 00:03:01,760 --> 00:03:03,600 Speaker 1: each add you to a credit card, that should be 59 00:03:03,600 --> 00:03:05,000 Speaker 1: the birthday gift. Hey, let me add you to a 60 00:03:05,040 --> 00:03:08,640 Speaker 1: credit card, give it to you, start learning how to 61 00:03:08,760 --> 00:03:10,520 Speaker 1: use it, you know what I mean. Now, when you 62 00:03:10,560 --> 00:03:14,400 Speaker 1: become eighteen, now you can get your own American Express, 63 00:03:14,639 --> 00:03:16,360 Speaker 1: your own thing. Now you don't need these and what 64 00:03:16,400 --> 00:03:18,240 Speaker 1: else don't you need trade lines because what a lot 65 00:03:18,280 --> 00:03:20,359 Speaker 1: of people the reason once again, I'm going to talk 66 00:03:20,360 --> 00:03:23,239 Speaker 1: about tradelines a lot. You know what I mean, because 67 00:03:23,280 --> 00:03:26,280 Speaker 1: people use trade lines because they want the history and 68 00:03:26,320 --> 00:03:29,600 Speaker 1: the limits. So start at a younger age. So now 69 00:03:29,639 --> 00:03:32,359 Speaker 1: when you're eighteen, you already know not only those trade lines. 70 00:03:32,360 --> 00:03:34,280 Speaker 1: I already got my own credit cards. And now you're 71 00:03:34,320 --> 00:03:37,040 Speaker 1: just starting it to where when you're in college. Now 72 00:03:37,080 --> 00:03:39,080 Speaker 1: your parents are going to open up an LLC for you, 73 00:03:39,160 --> 00:03:41,400 Speaker 1: open up this do whatever, and now you can do 74 00:03:41,640 --> 00:03:43,480 Speaker 1: use your own credit. You don't have to have a 75 00:03:43,520 --> 00:03:46,440 Speaker 1: code signer for a car, for an apartment, for anything. 76 00:03:46,960 --> 00:03:50,000 Speaker 1: And now we're changing the trajectory of when people apply, 77 00:03:50,240 --> 00:03:52,960 Speaker 1: but how they apply and more importantly, why they apply. 78 00:03:53,080 --> 00:03:55,560 Speaker 2: Their parents be responsible, that's what I want to be 79 00:03:55,600 --> 00:03:58,240 Speaker 2: responsible with your credit because, like you said, this could 80 00:03:58,320 --> 00:03:59,400 Speaker 2: definitely help your children. 81 00:03:59,480 --> 00:04:01,680 Speaker 3: Yep. So let me ask you this, all right, So 82 00:04:01,760 --> 00:04:05,960 Speaker 3: business credit, let's get into this. What are the steps? 83 00:04:05,960 --> 00:04:09,440 Speaker 3: I know I wrote down some notes, so you you 84 00:04:09,520 --> 00:04:12,400 Speaker 3: have to have a legit business obviously tax ID, so 85 00:04:12,480 --> 00:04:15,680 Speaker 3: explain it. Can you explain it different between business credit 86 00:04:16,400 --> 00:04:19,600 Speaker 3: personal credit? And then I guess there's a hybrid situation, 87 00:04:19,720 --> 00:04:22,440 Speaker 3: like you said, amx is technically is not full business 88 00:04:22,480 --> 00:04:26,000 Speaker 3: credit because they still use your personal guarantee. So what 89 00:04:26,120 --> 00:04:28,560 Speaker 3: is the difference between like the MX situation where you 90 00:04:28,600 --> 00:04:31,400 Speaker 3: still got to have a personal guarantee and just full 91 00:04:31,400 --> 00:04:32,360 Speaker 3: fledged business credit. 92 00:04:32,480 --> 00:04:35,600 Speaker 1: Yep, So you know your personal credit, you use your 93 00:04:35,600 --> 00:04:39,440 Speaker 1: social right soci security number. When you start a business, 94 00:04:39,680 --> 00:04:41,800 Speaker 1: you get you know, whether it's an LLC, a C, 95 00:04:41,960 --> 00:04:44,800 Speaker 1: corp escort, whatever the case is. You start a business 96 00:04:45,120 --> 00:04:48,120 Speaker 1: and you get your tax ID, now you're actually a business. 97 00:04:48,200 --> 00:04:50,200 Speaker 1: And I want people to understand that because a lot 98 00:04:50,240 --> 00:04:52,480 Speaker 1: of people think when they have a sober partnership but 99 00:04:52,520 --> 00:04:54,280 Speaker 1: they have a business, they really don't because you're still 100 00:04:54,360 --> 00:04:57,120 Speaker 1: using your social So you have to get a tax id. 101 00:04:57,680 --> 00:05:02,600 Speaker 1: And once you start building business credit, depending on what 102 00:05:02,680 --> 00:05:06,120 Speaker 1: you're going for, you're gonna have to use your personal credit. Right. 103 00:05:06,480 --> 00:05:09,279 Speaker 1: So there's a difference between co signing and personal guarantee, 104 00:05:09,320 --> 00:05:11,680 Speaker 1: which you guys spoke about before. You know, if you're 105 00:05:11,720 --> 00:05:14,960 Speaker 1: personally guaranteeing something, you're using that to kind of like 106 00:05:15,040 --> 00:05:18,120 Speaker 1: get approved for it, right, So with a personal guarantee 107 00:05:18,120 --> 00:05:21,920 Speaker 1: and an American Express credit card, for instance, unless you're 108 00:05:22,000 --> 00:05:25,240 Speaker 1: like a major corporation like Facebook, Walmart, whatever the case is, 109 00:05:25,320 --> 00:05:28,880 Speaker 1: You're not getting American Express without using your social even 110 00:05:28,920 --> 00:05:31,960 Speaker 1: though you have your tax ID too. Now you're using 111 00:05:32,000 --> 00:05:35,560 Speaker 1: your personal credit as leverage to ultimately get that American 112 00:05:35,600 --> 00:05:38,240 Speaker 1: Express to Chase and everything else. So the reason why 113 00:05:38,279 --> 00:05:40,800 Speaker 1: I say it's not true business credit, even though it 114 00:05:40,839 --> 00:05:44,160 Speaker 1: does report to Experience business, is that you still got 115 00:05:44,200 --> 00:05:46,480 Speaker 1: to use your personal credit for it, which is not bad. 116 00:05:47,320 --> 00:05:49,159 Speaker 1: But in the event that you default, like you don't 117 00:05:49,200 --> 00:05:51,680 Speaker 1: pay it and it gets charged off, now it gets 118 00:05:51,720 --> 00:05:55,080 Speaker 1: reported to your personal credit. If the business card, it 119 00:05:55,120 --> 00:05:56,839 Speaker 1: goes back to Yeah. So if you have an American 120 00:05:56,880 --> 00:05:58,840 Speaker 1: Express and you don't pay it first one amount of 121 00:05:58,880 --> 00:06:01,799 Speaker 1: time and it gets charged off, now that business credit 122 00:06:01,800 --> 00:06:03,520 Speaker 1: card is not going to show up as a late payment. 123 00:06:04,080 --> 00:06:07,200 Speaker 1: It's gonna go straight to charge off status. And now 124 00:06:07,200 --> 00:06:09,640 Speaker 1: you're going to go from having a seven hundred twenty 125 00:06:09,640 --> 00:06:12,559 Speaker 1: credit score to now having a twenty thirty thousand dollars 126 00:06:12,640 --> 00:06:15,680 Speaker 1: charge off American Express credit card from the business. And 127 00:06:15,760 --> 00:06:17,400 Speaker 1: to get that off, you gotta you know, you gotta 128 00:06:17,440 --> 00:06:18,880 Speaker 1: pay it, you know what I mean. You don't want 129 00:06:18,880 --> 00:06:21,760 Speaker 1: to evade that debt because now it's tied to your business. 130 00:06:22,040 --> 00:06:24,080 Speaker 1: You know what I mean, to get a true business 131 00:06:24,120 --> 00:06:27,040 Speaker 1: credit card or anything with business credit is by not 132 00:06:27,120 --> 00:06:31,039 Speaker 1: having to use your social and just by using your 133 00:06:31,080 --> 00:06:33,760 Speaker 1: tax id. And maybe you're done in Bradstreet, which I know, 134 00:06:33,800 --> 00:06:35,719 Speaker 1: we're gon we're gonna cover you know what I mean. 135 00:06:35,760 --> 00:06:39,400 Speaker 1: So that's true business credit is not using your your 136 00:06:39,440 --> 00:06:42,600 Speaker 1: Social Security number, your date of birth, your name, anything, 137 00:06:42,640 --> 00:06:45,080 Speaker 1: and all you're using is got credit, your tax id, 138 00:06:45,120 --> 00:06:48,080 Speaker 1: your EI in I mean, your your address, business you know, 139 00:06:48,120 --> 00:06:51,080 Speaker 1: business email, business phone number, and that's it, you know 140 00:06:51,120 --> 00:06:53,600 Speaker 1: what I mean. That's the true business credit. But when 141 00:06:53,640 --> 00:06:57,520 Speaker 1: American Express would chase you know, those credit cards, you're 142 00:06:57,520 --> 00:06:59,680 Speaker 1: still gonna have to use it even though it's still 143 00:06:59,680 --> 00:07:01,000 Speaker 1: gonna to your business credit. 144 00:07:01,279 --> 00:07:01,559 Speaker 3: Gotcha? 145 00:07:01,680 --> 00:07:03,480 Speaker 1: Gotcha? So you spoke about DMB. 146 00:07:03,960 --> 00:07:07,080 Speaker 2: Can you explain what it is, why it's so important 147 00:07:07,160 --> 00:07:09,800 Speaker 2: and why people especially in business to know their number? 148 00:07:09,960 --> 00:07:10,200 Speaker 3: Yep. 149 00:07:10,320 --> 00:07:15,040 Speaker 1: So Done in Bradstreet is another like I guess you 150 00:07:15,040 --> 00:07:18,200 Speaker 1: can say social So notice for personal credit, all you 151 00:07:18,200 --> 00:07:21,200 Speaker 1: have is one for business credit, there's like multiple things 152 00:07:21,240 --> 00:07:23,440 Speaker 1: you got to do to establish business credit. It's not easy. 153 00:07:23,960 --> 00:07:26,640 Speaker 1: So Done in Bradstreet is kind of like the biggest 154 00:07:27,400 --> 00:07:30,480 Speaker 1: business credit reporting agency out there. And if you try 155 00:07:30,520 --> 00:07:32,160 Speaker 1: to get like a car, if you're trying to get 156 00:07:32,200 --> 00:07:34,040 Speaker 1: like net thirty accounts, if you're trying to get things 157 00:07:34,080 --> 00:07:36,920 Speaker 1: like American Express, they all check done in Bradstreet and 158 00:07:37,000 --> 00:07:39,840 Speaker 1: they give you what's called the Dune's number. So if 159 00:07:39,880 --> 00:07:42,840 Speaker 1: you want to just create a Dune's number, you just 160 00:07:42,840 --> 00:07:46,040 Speaker 1: go to dun and Bradstree's website. It's free, doesn't cost 161 00:07:46,080 --> 00:07:49,480 Speaker 1: you anything. You shouldn't be paying anybody to get you 162 00:07:49,560 --> 00:07:52,360 Speaker 1: a done in Bradstreet number. It's free. So now what 163 00:07:52,400 --> 00:07:56,160 Speaker 1: it is is people will report what you're doing to 164 00:07:56,240 --> 00:07:59,480 Speaker 1: Done in Bradstreet because they have to house that information somewhere. 165 00:07:59,680 --> 00:08:01,160 Speaker 1: So that way, if you want to get a car, 166 00:08:01,200 --> 00:08:03,080 Speaker 1: if you want to get something in the future and 167 00:08:03,160 --> 00:08:06,920 Speaker 1: eventually not use a personal guarantee, that's what they're gonna check. 168 00:08:06,960 --> 00:08:09,360 Speaker 1: You're done in Brasstreet credit report, you know what I mean. 169 00:08:09,360 --> 00:08:11,960 Speaker 1: So they're logging the data, right, They're logging the data. 170 00:08:12,000 --> 00:08:14,840 Speaker 1: So it's like, now your American Express is not being 171 00:08:14,880 --> 00:08:17,840 Speaker 1: reported to done in Brasstreet though it is being reported 172 00:08:17,960 --> 00:08:21,000 Speaker 1: to Experience Business. So it's you know, there's Equifax Business, 173 00:08:21,240 --> 00:08:24,440 Speaker 1: Experience Business and done in Bradstreet, just like how we 174 00:08:24,560 --> 00:08:27,920 Speaker 1: do three. There's experience, TransUnion, and Equifax, So there's three 175 00:08:28,000 --> 00:08:29,760 Speaker 1: with this one, and there's even more, but those are 176 00:08:29,800 --> 00:08:31,600 Speaker 1: the main three, you know what I mean. So now 177 00:08:31,680 --> 00:08:33,679 Speaker 1: with done in Brass Street, now you're also given a 178 00:08:33,760 --> 00:08:36,439 Speaker 1: number that Now when you apply for something on a 179 00:08:36,440 --> 00:08:38,560 Speaker 1: business credit report, they're like, what she's done's number? And 180 00:08:38,600 --> 00:08:40,200 Speaker 1: a lot of people don't know that, like what are 181 00:08:40,240 --> 00:08:42,240 Speaker 1: you even talking about? So now they're going to Dune 182 00:08:42,240 --> 00:08:44,079 Speaker 1: and brass use number. They got to buy one, and 183 00:08:44,120 --> 00:08:46,120 Speaker 1: then they try to sell them this crazy software and 184 00:08:46,120 --> 00:08:48,520 Speaker 1: it's crazy monitoring and they don't need that, you know 185 00:08:48,559 --> 00:08:51,240 Speaker 1: what I mean. So eventually, once you start building business credit, 186 00:08:51,440 --> 00:08:54,520 Speaker 1: all you got to apply for is with your your 187 00:08:54,520 --> 00:08:57,760 Speaker 1: business name, your tax id, and you're done in Brasstreet 188 00:08:58,240 --> 00:09:00,880 Speaker 1: and it doesn't get reported anywhere I forbid your default 189 00:09:00,960 --> 00:09:03,080 Speaker 1: on it. You're protecting your personal credit. 190 00:09:03,760 --> 00:09:05,640 Speaker 3: So if I want to get a business credit card 191 00:09:05,679 --> 00:09:08,839 Speaker 3: without personally guarantee, where would I go to for that? 192 00:09:09,400 --> 00:09:11,600 Speaker 1: So it depends on what type of business credit card 193 00:09:11,640 --> 00:09:14,679 Speaker 1: you're trying to get, because a lot of especially if 194 00:09:14,679 --> 00:09:17,840 Speaker 1: you're in business under two years, you're not gonna get 195 00:09:17,880 --> 00:09:21,400 Speaker 1: it because you haven't built history. So personal guarantee right there, 196 00:09:21,480 --> 00:09:23,800 Speaker 1: might be some out you know, there's like you know, 197 00:09:23,880 --> 00:09:26,280 Speaker 1: once you start building revenue and you start you can 198 00:09:26,320 --> 00:09:28,440 Speaker 1: show tax returns and you can show why these like 199 00:09:28,480 --> 00:09:31,840 Speaker 1: there's some local credit unieds that you can get a 200 00:09:31,880 --> 00:09:35,040 Speaker 1: business credit card without it. And then there's also like 201 00:09:35,120 --> 00:09:37,440 Speaker 1: some other business like like a gas card. Right, So 202 00:09:37,480 --> 00:09:38,839 Speaker 1: this is one of the things that we tell people 203 00:09:38,920 --> 00:09:41,960 Speaker 1: is a gas card actually has a lot of value 204 00:09:41,960 --> 00:09:44,040 Speaker 1: in it because you can get an American I mean 205 00:09:44,080 --> 00:09:48,560 Speaker 1: a Visa or a MasterCard business credit card that you 206 00:09:48,559 --> 00:09:50,720 Speaker 1: don't have to put your social on it. Yeah, you 207 00:09:50,760 --> 00:09:53,240 Speaker 1: know what I mean. And those Visa MasterCard business credit 208 00:09:53,320 --> 00:09:55,760 Speaker 1: cards are powerful because yeah, it's tied to a gas station, 209 00:09:56,160 --> 00:09:57,920 Speaker 1: but it's a Visa mass card. So now what you're 210 00:09:57,920 --> 00:10:01,320 Speaker 1: doing is you're building your Visa mas car business credit 211 00:10:02,040 --> 00:10:04,720 Speaker 1: so that way you could eventually get a credit card 212 00:10:04,880 --> 00:10:05,320 Speaker 1: without it. 213 00:10:05,600 --> 00:10:08,040 Speaker 2: A wise woman spots to us about gas cards. Yeahtham 214 00:10:08,080 --> 00:10:10,319 Speaker 2: is business. 215 00:10:09,280 --> 00:10:14,680 Speaker 1: Gas cards are the hidden secret of business credit. My 216 00:10:14,800 --> 00:10:22,120 Speaker 1: graduates from my school being forced back drop drop drop backdrop. 217 00:10:33,280 --> 00:10:36,960 Speaker 4: An illegal alien from Guatemala charged with raping a child 218 00:10:36,960 --> 00:10:40,760 Speaker 4: in Massachusetts. 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