{"id":10358,"date":"2020-06-04T18:51:19","date_gmt":"2020-06-04T18:51:19","guid":{"rendered":"https:\/\/jboitnott.com\/?p=10358"},"modified":"2020-06-05T19:22:25","modified_gmt":"2020-06-05T19:22:25","slug":"5-ways-to-protect-your-business-and-personal-credit-scores-during-a-crisis","status":"publish","type":"post","link":"https:\/\/jboitnott.com\/zh\/5-ways-to-protect-your-business-and-personal-credit-scores-during-a-crisis\/","title":{"rendered":"Credit Scores: 5 Ways to Protect Your Business and Personal Scores During a Crisis"},"content":{"rendered":"

Between uncertain cash flow and concern over how to meet financial obligations such as payroll and bills, it’s a\u00a0stressful time<\/a>\u00a0to be a small-business owner. Many entrepreneurs are experiencing the same anxieties over\u00a0unemployment, debt\u00a0and financial sustainability. Your personal and business credit scores could take a hit if you have to miss payments due to a cash shortfall.<\/p>\n

Implement these strategies to help protect your credit scores while we wait for the pandemic to pass:<\/p>\n

1. Regularly review bank accounts for any suspicious activity.<\/h2>\n

Unfortunately, crises and the financial relief that often follows seem to bring out fraudsters and criminals. That\u2019s certainly true in the current crisis with the\u00a0CARES Act<\/a>, which has already prompted its share of scams targeting your business.<\/p>\n

For example, the\u00a0Cybersecurity and Infrastructure Security Agency (CISA)<\/a>\u00a0reports that recent scams include emails with malicious attachments or links to fraudulent websites\u00a0crafted to trick recipients into revealing personal data. Sometimes these scams use the pretext of fraudulent charities or financial aid sites. Beware of any emails, text messages, phone calls\u00a0or social media posts with attachments or links.<\/p>\n

One way to spot and avoid scams is to go directly to government sites. They can give you accurate information about available small-business loans. Do the same with any charities you might want to help. You can also go directly to your financial institution or creditor\u2019s website for information about assistance instead of clicking on links contained in email messages.<\/p>\n

2. Assess what you can pay so you protect your credit scores.<\/h2>\n

Rather than simply ignoring your bills, create a plan for paying as many bills as possible. Take a hard look at your budget to see if you can reduce or eliminate any specific costs. Then reallocate that money toward your essential expenses, like leases, mortgage or rent, vehicle loans, credit card payments\u00a0and utilities.<\/p>\n

To aid this process, consider digitizing your budget with an app like\u00a0Mint from Intuit<\/a>, the company behind TurboTax and Quickbooks. Mint is packed with features to track your money, including integrations with numerous banks, credit card companies, lenders\u00a0and more.<\/p>\n

The service also includes ways to organize all your transactions from linked credit cards and debit cards so you can account for all expenditures. These categories can help you spot the areas where costs can be trimmed. Also, you can quickly update payments such as gas and entertainment that decreased due to shelter-in-place orders.<\/p>\n

3. Use monitoring and identity protection services to protect credit scores.<\/h2>\n

An alert service that keeps an eye on your credit and identity gives you a better chance of stopping or avoiding fraudulent activity that can damage your credit score. This is a way to win back control over your data and protect your identity in the digital age.<\/p>\n

Through its partnership with TransUnion,\u00a0Bloom<\/a>\u00a0packs free credit monitoring, data breach monitoring\u00a0and smart identity features together into a single app. The smart identity features can stop predatory third parties from accessing your data, thus significantly reducing the risk of identity theft.<\/p>\n

The app also lets you file data breach settlement claims, apply for credit\u00a0and log into apps and websites without using a password. Additionally, Bloom delivers educational content and tools to help you protect your data and\u00a0confidential information<\/a>.<\/p>\n

4. Be proactive about contacting creditors.<\/h2>\n

Let your creditors know that you are struggling to pay your bills. Procrastinating on this task will not improve the situation.<\/p>\n

By reaching out and letting them know your current financial situation, you may be able to salvage your credit score. Everyone’s finances are taking a hit\u00a0thanks to a loss in clients, reduction in hours\u00a0or brick-and-mortar location closure. Creditors\u00a0might\u00a0be more willing to work with you now than they normally would.<\/p>\n

Take advantage of available deferment-payment plans. However, make sure you understand all the terms before doing so. You need to know exactly what you are agreeing to, including whether the deferment involves a balloon payment in six months or whether the lender will move those payments to the end of your loan\u2019s life.<\/p>\n

5. Limit your purchases as much as possible to conserve cash flow.<\/h2>\n

Despite the extra time to browse the web, this is not the time to be buying anything that isn\u2019t strictly necessary, even if you do eventually get a relief check. Now is the time to reduce expenses and purchases in order to ensure you can meet your obligations and maintain excellent credit scores.<\/p>\n

To help track expenditures and minimize these purchase urges, try\u00a0PocketGuard<\/a>.\u00a0It’s a\u00a0budgeting app that can link to all of your financial accounts so it can see what you are depositing, earning and paying (both for recurring bills and day-to-day expenses). It can also provide suggestions for\u00a0cutting your spending<\/a>\u00a0across all categories to discourage discretionary purchases.<\/p>\n

PocketGuard is an intuitive app that will look at each bill and decide if you are paying too much. It can often find ways to save you more money on common expenses such as your phone, TV\u00a0and internet services by searching for better deals.<\/p>\n

 <\/p>\n

Thanks for reading! My work is almost entirely reader-funded. <\/em>So<\/em>,\u00a0if you enjoyed this piece please consider sharing it around, liking me on\u00a0<\/em>Facebook<\/em><\/a>, following me on\u00a0<\/em>Twitter<\/em><\/a>, and maybe throwing some money into my hat on\u00a0<\/em>Patreon<\/em><\/a>,\u00a0Paypal<\/a>, or with Etherium:. 0X24AC7A8FF92721B9827A03A6936FE169B864C94<\/em><\/p>","protected":false},"excerpt":{"rendered":"

Between uncertain cash flow and concern over how to meet financial obligations such as payroll and bills, it’s a\u00a0stressful time\u00a0to be a small-business owner. Many entrepreneurs are experiencing the same anxieties over\u00a0unemployment, debt\u00a0and financial sustainability. Your personal and business credit scores could take a hit if you have to miss payments due to a cash […]<\/p>\n","protected":false},"author":1,"featured_media":10360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291,654],"tags":[650,656,655,272],"class_list":["post-10358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-crisis-management","tag-business-hacks","tag-credit-score","tag-crisis-management","tag-finance"],"yoast_head":"\nCredit Scores: 5 Ways to Protect Your Business and Personal Scores During a Crisis - John Boitnott<\/title>\n<meta name=\"description\" content=\"Protecting your credit scores shouldn't be rocket science. 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