WEBVTT - GIVE YOUR CHILD A 700 CREDIT SCORE

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<v Speaker 1>Earners.

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<v Speaker 2>What's up. You ever walk into a small business and

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<v Speaker 2>everything just works like The checkout is fast, the receipts

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<v Speaker 2>are digital, tipping is a breeze, and you're out the

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<v Speaker 2>door before the line even builds. Odds are they're using Square.

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<v Speaker 2>We love supporting businesses that run on Square because it

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<v Speaker 2>just feels seamless. Whether it's a local coffee shop, a

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<v Speaker 2>vendor at a pop up market, or even one of

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<v Speaker 2>our merch partners, Square makes it easy for them to

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<v Speaker 2>take payments, manage inventory, and run their business with confidence,

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<v Speaker 2>all from one simple system. If you're a business owner

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<v Speaker 2>or even just thinking about launching something soon, Square is

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<v Speaker 2>hands down one of the best tools out there to

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<v Speaker 2>help you start, run, and grow. It's not just about payments,

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<v Speaker 2>it's about giving you time back so you can focus

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<v Speaker 2>on what matters most Ready. To see how Square can

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<v Speaker 2>transform your business, visit Square dot com backslash go backslash

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<v Speaker 2>eyl to learn more that Square dot com backslash, go

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<v Speaker 2>backslash eyl. Don't wait, don't hesitate. Let's Square handle the

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<v Speaker 2>back end so you can keep pushing your vision forward.

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<v Speaker 2>This episode is brought to you by P and C Bank,

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<v Speaker 2>a lot of people think podcasts about work are boring,

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<v Speaker 2>and sure they definitely can be, but understanding of professionals

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<v Speaker 2>routine shows us how they achieve their success little by little,

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<v Speaker 2>day after day. It's like banking with P and C Bank.

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<v Speaker 2>It might seem boring to save, plan and make calculated

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<v Speaker 2>decisions with your bank, but keeping your money boring is

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<v Speaker 2>what helps you live or more happily fulfilled life. P

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<v Speaker 2>and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly

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<v Speaker 2>Boring since eighteen sixty five is a service mark of

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<v Speaker 2>the PNC Financial Service Group, Inc. P and C Bank

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<v Speaker 2>National Association Member FDIC. I'm thinking in my mind, right,

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<v Speaker 2>we got a lot of people and it's like, as

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<v Speaker 2>soon as you get to college, you know in the

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<v Speaker 2>areensate they sent you those right before you went off

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<v Speaker 2>in college, they giving you credit cards right off the rip.

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<v Speaker 2>Is this something that young entrepreneurs could actually take advantage of?

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<v Speaker 1>No, I would say, as soon as you're eighteen, if

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<v Speaker 1>to let you know, I'm trying to change the way

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<v Speaker 1>that people think of credit and start applying for credit.

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<v Speaker 1>So if parents start adding their kids at sixteen, when

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<v Speaker 1>they're eighteen, they already have a seven fifty eight hundred.

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<v Speaker 3>Yeah, talk about that. You know, I saw that on Instagram.

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<v Speaker 3>You're just like sixteen. Yeah, can you explain that?

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<v Speaker 1>Yep? So, because it kind of goes in hand with

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<v Speaker 1>your question. So it's like, if you have kids that

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<v Speaker 1>are that are under eighteen and at least sixteen, you

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<v Speaker 1>can add them to your credit card, just like how

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<v Speaker 1>I think we say your grandmother, right, mom, your mom,

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<v Speaker 1>Your mom added you to your card, you got all

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<v Speaker 1>that history. But if she would have added you at sixteen,

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<v Speaker 1>when you turned eighteen, now you have at least two

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<v Speaker 1>years of an active credit report. Because this is the thing.

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<v Speaker 1>Your credit report doesn't exist until something happens on there

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<v Speaker 1>your credit report. You're eight years old, you don't have

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<v Speaker 1>a credit report, you know what I mean. So if

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<v Speaker 1>you're sixteen and your parents add your mom and dad

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<v Speaker 1>each add you to a credit card, that should be

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<v Speaker 1>the birthday gift. Hey, let me add you to a

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<v Speaker 1>credit card, give it to you, start learning how to

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<v Speaker 1>use it, you know what I mean. Now, when you

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<v Speaker 1>become eighteen, now you can get your own American Express,

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<v Speaker 1>your own thing. Now you don't need these and what

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<v Speaker 1>else don't you need trade lines because what a lot

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<v Speaker 1>of people the reason once again, I'm going to talk

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<v Speaker 1>about tradelines a lot. You know what I mean, because

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<v Speaker 1>people use trade lines because they want the history and

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<v Speaker 1>the limits. So start at a younger age. So now

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<v Speaker 1>when you're eighteen, you already know not only those trade lines.

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<v Speaker 1>I already got my own credit cards. And now you're

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<v Speaker 1>just starting it to where when you're in college. Now

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<v Speaker 1>your parents are going to open up an LLC for you,

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<v Speaker 1>open up this do whatever, and now you can do

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<v Speaker 1>use your own credit. You don't have to have a

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<v Speaker 1>code signer for a car, for an apartment, for anything.

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<v Speaker 1>And now we're changing the trajectory of when people apply,

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<v Speaker 1>but how they apply and more importantly, why they apply.

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<v Speaker 2>Their parents be responsible, that's what I want to be

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<v Speaker 2>responsible with your credit because, like you said, this could

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<v Speaker 2>definitely help your children.

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<v Speaker 3>Yep. So let me ask you this, all right, So

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<v Speaker 3>business credit, let's get into this. What are the steps?

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<v Speaker 3>I know I wrote down some notes, so you you

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<v Speaker 3>have to have a legit business obviously tax ID, so

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<v Speaker 3>explain it. Can you explain it different between business credit

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<v Speaker 3>personal credit? And then I guess there's a hybrid situation,

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<v Speaker 3>like you said, amx is technically is not full business

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<v Speaker 3>credit because they still use your personal guarantee. So what

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<v Speaker 3>is the difference between like the MX situation where you

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<v Speaker 3>still got to have a personal guarantee and just full

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<v Speaker 3>fledged business credit.

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<v Speaker 1>Yep, So you know your personal credit, you use your

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<v Speaker 1>social right soci security number. When you start a business,

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<v Speaker 1>you get you know, whether it's an LLC, a C,

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<v Speaker 1>corp escort, whatever the case is. You start a business

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<v Speaker 1>and you get your tax ID, now you're actually a business.

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<v Speaker 1>And I want people to understand that because a lot

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<v Speaker 1>of people think when they have a sober partnership but

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<v Speaker 1>they have a business, they really don't because you're still

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<v Speaker 1>using your social So you have to get a tax id.

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<v Speaker 1>And once you start building business credit, depending on what

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<v Speaker 1>you're going for, you're gonna have to use your personal credit. Right.

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<v Speaker 1>So there's a difference between co signing and personal guarantee,

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<v Speaker 1>which you guys spoke about before. You know, if you're

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<v Speaker 1>personally guaranteeing something, you're using that to kind of like

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<v Speaker 1>get approved for it, right, So with a personal guarantee

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<v Speaker 1>and an American Express credit card, for instance, unless you're

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<v Speaker 1>like a major corporation like Facebook, Walmart, whatever the case is,

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<v Speaker 1>You're not getting American Express without using your social even

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<v Speaker 1>though you have your tax ID too. Now you're using

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<v Speaker 1>your personal credit as leverage to ultimately get that American

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<v Speaker 1>Express to Chase and everything else. So the reason why

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<v Speaker 1>I say it's not true business credit, even though it

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<v Speaker 1>does report to Experience business, is that you still got

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<v Speaker 1>to use your personal credit for it, which is not bad.

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<v Speaker 1>But in the event that you default, like you don't

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<v Speaker 1>pay it and it gets charged off, now it gets

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<v Speaker 1>reported to your personal credit. If the business card, it

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<v Speaker 1>goes back to Yeah. So if you have an American

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<v Speaker 1>Express and you don't pay it first one amount of

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<v Speaker 1>time and it gets charged off, now that business credit

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<v Speaker 1>card is not going to show up as a late payment.

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<v Speaker 1>It's gonna go straight to charge off status. And now

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<v Speaker 1>you're going to go from having a seven hundred twenty

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<v Speaker 1>credit score to now having a twenty thirty thousand dollars

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<v Speaker 1>charge off American Express credit card from the business. And

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<v Speaker 1>to get that off, you gotta you know, you gotta

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<v Speaker 1>pay it, you know what I mean. You don't want

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<v Speaker 1>to evade that debt because now it's tied to your business.

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<v Speaker 1>You know what I mean, to get a true business

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<v Speaker 1>credit card or anything with business credit is by not

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<v Speaker 1>having to use your social and just by using your

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<v Speaker 1>tax id. And maybe you're done in Bradstreet, which I know,

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<v Speaker 1>we're gon we're gonna cover you know what I mean.

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<v Speaker 1>So that's true business credit is not using your your

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<v Speaker 1>Social Security number, your date of birth, your name, anything,

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<v Speaker 1>and all you're using is got credit, your tax id,

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<v Speaker 1>your EI in I mean, your your address, business you know,

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<v Speaker 1>business email, business phone number, and that's it, you know

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<v Speaker 1>what I mean. That's the true business credit. But when

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<v Speaker 1>American Express would chase you know, those credit cards, you're

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<v Speaker 1>still gonna have to use it even though it's still

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<v Speaker 1>gonna to your business credit.

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<v Speaker 3>Gotcha?

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<v Speaker 1>Gotcha? So you spoke about DMB.

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<v Speaker 2>Can you explain what it is, why it's so important

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<v Speaker 2>and why people especially in business to know their number?

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<v Speaker 3>Yep.

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<v Speaker 1>So Done in Bradstreet is another like I guess you

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<v Speaker 1>can say social So notice for personal credit, all you

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<v Speaker 1>have is one for business credit, there's like multiple things

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<v Speaker 1>you got to do to establish business credit. It's not easy.

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<v Speaker 1>So Done in Bradstreet is kind of like the biggest

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<v Speaker 1>business credit reporting agency out there. And if you try

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<v Speaker 1>to get like a car, if you're trying to get

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<v Speaker 1>like net thirty accounts, if you're trying to get things

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<v Speaker 1>like American Express, they all check done in Bradstreet and

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<v Speaker 1>they give you what's called the Dune's number. So if

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<v Speaker 1>you want to just create a Dune's number, you just

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<v Speaker 1>go to dun and Bradstree's website. It's free, doesn't cost

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<v Speaker 1>you anything. You shouldn't be paying anybody to get you

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<v Speaker 1>a done in Bradstreet number. It's free. So now what

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<v Speaker 1>it is is people will report what you're doing to

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<v Speaker 1>Done in Bradstreet because they have to house that information somewhere.

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<v Speaker 1>So that way, if you want to get a car,

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<v Speaker 1>if you want to get something in the future and

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<v Speaker 1>eventually not use a personal guarantee, that's what they're gonna check.

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<v Speaker 1>You're done in Brasstreet credit report, you know what I mean.

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<v Speaker 1>So they're logging the data, right, They're logging the data.

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<v Speaker 1>So it's like, now your American Express is not being

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<v Speaker 1>reported to done in Brasstreet though it is being reported

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<v Speaker 1>to Experience Business. So it's you know, there's Equifax Business,

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<v Speaker 1>Experience Business and done in Bradstreet, just like how we

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<v Speaker 1>do three. There's experience, TransUnion, and Equifax, So there's three

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<v Speaker 1>with this one, and there's even more, but those are

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<v Speaker 1>the main three, you know what I mean. So now

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<v Speaker 1>with done in Brass Street, now you're also given a

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<v Speaker 1>number that Now when you apply for something on a

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<v Speaker 1>business credit report, they're like, what she's done's number? And

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<v Speaker 1>a lot of people don't know that, like what are

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<v Speaker 1>you even talking about? So now they're going to Dune

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<v Speaker 1>and brass use number. They got to buy one, and

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<v Speaker 1>then they try to sell them this crazy software and

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<v Speaker 1>it's crazy monitoring and they don't need that, you know

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<v Speaker 1>what I mean. So eventually, once you start building business credit,

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<v Speaker 1>all you got to apply for is with your your

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<v Speaker 1>business name, your tax id, and you're done in Brasstreet

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<v Speaker 1>and it doesn't get reported anywhere I forbid your default

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<v Speaker 1>on it. You're protecting your personal credit.

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<v Speaker 3>So if I want to get a business credit card

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<v Speaker 3>without personally guarantee, where would I go to for that?

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<v Speaker 1>So it depends on what type of business credit card

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<v Speaker 1>you're trying to get, because a lot of especially if

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<v Speaker 1>you're in business under two years, you're not gonna get

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<v Speaker 1>it because you haven't built history. So personal guarantee right there,

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<v Speaker 1>might be some out you know, there's like you know,

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<v Speaker 1>once you start building revenue and you start you can

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<v Speaker 1>show tax returns and you can show why these like

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<v Speaker 1>there's some local credit unieds that you can get a

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<v Speaker 1>business credit card without it. And then there's also like

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<v Speaker 1>some other business like like a gas card. Right, So

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<v Speaker 1>this is one of the things that we tell people

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<v Speaker 1>is a gas card actually has a lot of value

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<v Speaker 1>in it because you can get an American I mean

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<v Speaker 1>a Visa or a MasterCard business credit card that you

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<v Speaker 1>don't have to put your social on it. Yeah, you

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<v Speaker 1>know what I mean. And those Visa MasterCard business credit

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<v Speaker 1>cards are powerful because yeah, it's tied to a gas station,

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<v Speaker 1>but it's a Visa mass card. So now what you're

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<v Speaker 1>doing is you're building your Visa mas car business credit

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<v Speaker 1>so that way you could eventually get a credit card

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<v Speaker 1>without it.

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<v Speaker 2>A wise woman spots to us about gas cards. Yeahtham

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<v Speaker 2>is business.

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<v Speaker 1>Gas cards are the hidden secret of business credit. My

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<v Speaker 1>graduates from my school being forced back drop drop drop backdrop.

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<v Speaker 4>An illegal alien from Guatemala charged with raping a child

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<v Speaker 4>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 4>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 4>filming and selling child pornography in Michigan. These are just

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<v Speaker 4>some of the heinous migrant criminals caught because of President

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<v Speaker 4>Donald J. Trump's leadership. I'm Christine nom the United States

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<v Speaker 4>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 4>crossings are at the lowest levels ever recorded, and over

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<v Speaker 4>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 4>are here illegally, your next you will be fine nearly

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<v Speaker 4>one thousand dollars a day, imprisoned and deported, you will

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<v Speaker 4>never return. But if you register using our CBP home

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<v Speaker 4>app and leave now, you could be allowed to return legally.

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<v Speaker 4>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 4>border and families will be protected.

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