Lashawn E. Mikell

Lashawn E. Mikell Cycles of Life Estate Planning Co. is designed to provide financial support, education and resources

07/31/2026

Happy Friday!!! It's Time for the Friday Recap! What Did you Learn this Week about: Business Credit Scores. See Video Below.

07/30/2026

Happy Thursday!!! Tip of the Day: Business Scores Breakdown:

1. Duns & Bradstreet:
a. Paydex score
b. Delinquency Score (0-100)
c. Failure Score- (1,001-1875)
d. Delinquency Predictor Score ( 101-670)

2. Experian:
a. Intelliscore Plus- (1-100)
b. Intelliscore Plus V3- (300-850
c. Financial Stability Risk Score (300-850)

Equifax:
a. Delinquency Scorer- (101-662)
b. Delinquency Financial Score (101-715)
c. Failure Score- (1000-1804)
d. Onescore for Commercial (300-660)

Small Business Financial Exchange (SBFE) member owned trade association that collects business credit history for financial institutions. Looks at following:
1. Business Identification Information.
2. Credit limits and Balances.
3. Leasing Payment Records.
4. Business Credit Card Activity.
5. Payment History on Loans and Lines of Credit.

07/29/2026

Happy Wednesday: Tip of the Day: What Factors determine your Credit Score:

1. Payment History.
2. Timely Payments.
3. Credit Utilization Rate- keep 15% or below.
4. Credit Age.
5. Industry Risk.
6. Company Size and Resources.
7. Public Records.

07/28/2026

Happy Tuesday!!! Tip of the Day: Business Credit Bureaus and their Scores.:

1. Duns and Bradstreet-(0-100); 80 and above considered good score.
2. Experian (0-100)- 76 + considered excellent credit scores.
3. Equifax Business- (101-992)- 700 + considered excellent credit scores.
4. FICO Small Business Scoring Service (SBSS)- (0-300)- 160 + considered for fast loan approval.

07/27/2026

Happy Monday!!! Topic of the Week: Business Credit Scores. See Video Below.

07/24/2026

Happy Friday!!! It's Time for Friday Recap. What did you Learn about: Using Credit to Build your Business Credit. See Video Below.

07/23/2026

Happy Thursday!!! Tip of the Day: Business Credit Reporting Bureaus and Scores:

1. Dun & Bradstreet; score range- (0-100)
2. Experian Business; score range- (1-100)
3.Equifax Small Business; score range- (101-992)

07/22/2026

Happy Wednesday!!! Tip of the Day: How to Build your Business Credit:

1. Get a Business Retail Account.
2. Apply for a (secured and unsecured) Business Credit Card.
3. Open a Business Checking Account.
4. Build Payment Terms with Suppliers.
5. Open a Service Agreement for your Company.

07/21/2026

Happy Tuesday!!! Tip of the Day: How to Establish Business Credit:

1. Create a LLC, S-Corp or C-Corp for your Business.
2. Get a Tax ID number or EIN.
3. Open a Business Bank Account.
4. Apply for Business Service Accounts.
5. Get a DUNS number.

07/20/2026

Happy Monday!!! Topic of the Week: How to Use Credit for your Business. See Video Below.

Address

Atlanta, GA

Telephone

+14046665745

Website

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