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American answer.It almost certainly goes down but that is a VERY complicated topic that I will have to poke my two credit people and ask for more info. In short: payments are reported to the Credit History Bureaus by lenders and it’s fairly basic what the bureaus collect, believe it or not. “Late, 100 days”. “Paid”. “Settled”. “Unpaid”. Etc. If you settle an account, it shows up in your Credit History Bureau report along with the closed credit account. Closing accounts can hurt your bureau score (but is over-estimated by some), but closing an account after you were late and/or settled it for less than you originally borrowed will be a negative rating factor.But how much will it negatively impact your score?In short, good reports (payments) help a little, bad reports (late payments, chargeoffs) hurt a whole hell of a lot.I had a late account (earned, not fake) some years ago. Thankfully, due to errors in how that debt was sold after the lender (rhymes with “WaMu”) went bye-bye. I challenged the information and because the debt wasn’t sold properly and/or was never sold at all, the information about that debt was deleted from the bureaus I disputed it to in about 90 days. My credit score went from like 675 to 750 in that short distance.But it gets even more complicateder.So, like all memes that people are married to, trying to teach people this fact makes them angry. How do I know this? I’ve tried it LITERALLY three times here on Quora and I’ve gotten angry furious attacks by people (usually clueless) spouting things that someone once told them. Never let it be said that it isn’t easier to fool someone than to teach someone they’ve been fooled.[cue angry replies]Are you ready for the explanation?Your credit history report has no particular numeric credit score attached to it.No it doesn’t. No it fucking does not. There is NO “score” associated with a given bureau report. The score is calculated off of data within the report by a secondary company (or, more on this in a bit, by the bureau itself as a service to the debtor). That “bureau score” — unless it’s a FICO Credit Score — is made to replicate the proprietary credit scoring system from FICO (company) but isn’t really FICO score and it’s only about 90% accurate most of the time (which is good enough, again, more on this later). Only FICO is FICO. Everybody else does a reasonably useful job in creating a scoring system that resembles FICO.Why do they do that?The FICO credit score is a proprietary rating system that is used by MOST lenders to probabilistically project your creditworthiness - will you repay, or not? That’s it. Nothing else. FICO is separate from the credit bureaus.The actual record of your credit history (“your bureau credit report”) is little more than text and some numbers associated with each credit line you have (e.g., credit cards, mortgages, HELOCs, automobile loans) that has been reported and how long you’ve been paying it (or not paying). Again: Only FICO is FICO. The scores you get from a credit monitoring service emulates FICO because they are the industry bellwether. Apropos of the etymology of that word (bellwether), the credit record can easily cut you off at the nads.Your credit history (not the numeric score) is collected and stored by three different, competing companies: Experian, TransUnion, and Equifax. Credit history records are just that: a record of the amount of reported credit you have (“lines of credit”), and your history of repaying those debts on time (or not). There is literally nothing else. It isn’t a criminal record or a moral record. People who hate debt and who’ve struggled with credit may have a good reason for a low credit score, but most people do not and simply make excuses for a history of really bad borrowing & spending choices in life … which then get recorded by the credit history bureaus. The record contains the lender information, the credit limit, the credit taken, the latest payments, when the credit line was opened (i.e. how long you’ve had it).So then, what the fuck is this FICO stuff all about?Up to the 1960s, each bank maintained their own lending practices, and made lending decisions “judgementally” - the “loan officer” looked over your application, looked at you, and decided whether the bank would extend credit to you or not. The system worked, but not all that well: they denied credit to some who were creditworthy (but not apparently so), and extended credit to people who defaulted more than their appearance & application information might have otherwise suggested.Enter FICO. They created a statistical credit scoring system based in the empirically observed behavior of borrowers and their characteristics that more accurately projected an individual’s ability & willingness to repay debts. It beat the judgemental system by a lot, with the result that a creditor which adopted credit scoring to replace judgemental credit decision-making could loan out more money and have fewer defaults, and thus more profit. It had benefits for society in that more credit became available to a wider range of people - the basis for the modern consumer credit industry.Today, FICO is the most trusted brand in assessing creditworthiness because its scoring models are accurate and thus improve loan portfolio performance & profitability for creditors over the alternatives.Borrowers know this too, and want a FICO score on their credit history so that they have some idea whether they’ll be able to borrow at lower interest rates for important, large debt like mortgages. When credit monitoring services offer credit scores other than FICO to consumers, that’s because FICO scores are relatively more expensive than other, less accurate scoring models, and consumers may not know or care about the difference. To the extent that other scoring models still give one a “close enough” idea of whether one is a good or bad credit risk, and suggest some areas for behavior (performance) improvement, they’re not a bad thing.In conclusion.Your score —whoever generates it— will go down if you settle an account for less than you owed originally. FICO wouldn’t miss that entry and neither will the sundry monitoring services who generate that funny number for you.If I were you, I’d dispute it. Is the report true? Fuck that shit. Stick it to the man! Dispute it. I’m the master[bator] at disputing these. I had to dispute one like three times but I won in the end. I stay on top of that shit. It’s your credit history report - in effect, your public economic reputation. Be vigilant. Request it once a month (you requesting it won’t hurt it).See: Disputing Credit Report Errors: A How-to Guide | Credit KarmaSample bureau ASCII-type entries (drawn from: How to read, understand a credit report):Sample FICO score (drawn from my actual Amex credit monitoring service):Okay, fine, MINE is FICO cuz Amex uses FICO. Not all monitoring services do and that’s okay. In credit scores, size matters. It matters here even if it’s only 90% accurate because it’s always going to be about 90% accurate. Since the baseline is always off by about the same amount and since higher is always better, this score is good enough for me to get an “at a glance” estimate of where my credit is at and where it’s going.Actual bureau entry for my car payment (again, drawn from my actual report):Oh, hey big spender. Where you goin in that pimped Hyundai Sonata!?

Sales and lead pipeline are the determining factors for business growth. Hitting the right target group or desired prospects who shows interest in your offerings would be a game-changer to your marketing game. B2B database from the reputable services does this. Credits to the B2B data providers, E-database Marketing.Accurate B2B contact will empower sales and marketing to generate more leads. If your business plans to promote your product and services to a global business or overall industries, I would require a reliable business list to reach and target the right prospects easily.Business databasePromoting the business products and services globally is difficult for any businesses. It would be a significant hurdle for B2B companies as most of them want to market specialized products or services to a niche business. Reaching a business unit and getting them to know your products and finally, marketing is pretty a lengthy process. In a simple way, getting a business list supports your marketing campaign to better reach the business who likely interested in your products, give you immediate sales and good profits.The business database will help you unlock new markets, business sectors, and unleash attractive growth opportunities. Using the business database, you can filter the qualified sales leads and gain new business deals. Reaching the new business venture is the first step of business to market your products and services.Accessing the global business databaseOnly a custom-focused business database comprises multiple fields of information, such as contact name, phone number, email ID, postal address, city, country, zip codes along with the business type, name of the business and URLs, employee and revenue size, Industry, annual sales, recent purchase, investments and funding information, year of establishment and so on.Things to be checked before getting a B2B directoryCheck with the reputable database services who provide you with sample reports to ensure the accuracyMake sure that the database services offer you verified and updated contact details to immediate connect with global businessesAnd also, make sure that the list fulfills all your business requirementsFollow these steps to find the perfect list for a better marketing campaignGood luck with your campaign!

This is a tough one because cash flow is one of the top reasons small businesses fail.First and foremost, figure out what caused the shortfall in the first place. Were you investing in growth? Did you have an unexpected expense? Or something else completely?Cash flow is a small business killer because most small businesses fund themselves from their operational cash flow — the money they earn from the sale of goods and services. Unlike large corporations, most small businesses don’t have large reserves of cash sitting around. So when something goes wrong, things can go from bad to worse rather quickly.Be sure you know the difference between cash flow and profit. Profit only measures income as it hits the books, whereas cash flow measures money as it flows in our out of the company. In other words, when profit is calculated, things like unpaid invoices aren’t taken into account.On paper, it can look like you’re on top of the world. But if customers aren’t paying you on time or if you have to dig into your reserves to fill orders, a cash flow crisis can be looming.Recovery:Find the best lending options at your disposal. If you’re established, use your line of credit or take out a short-term loan.Consider how to best use your business credit card(s).Explore alternative or online lenders if you’re not a fit for traditional lenders. This includes tools like invoice factoring.If you have to borrow from your personal savings, make sure you know all the implications and have a plan for paying yourself back.Recognize which of these lending options will be recorded on your business or personal credit reports. (In the same vein, compare the costs of each so that interest and fees don’t further erode your cash flow.)Work on repairing damaged credit.Monitor your cash flow today, tomorrow and into the future. Never stop monitoring cash flow.If you use cloud-based, online software, like Sage, Xero or QuickBooks Online you can find a range of apps to help you out with back-office functions like invoicing. As a QBO user, I’ve discovered a new tool called PayPie that I’m trying for cash flow forecasting.Cash flow forecasting takes the information from your cash flow and other statements and turns it into a detailed report that helps you better understand how the cash is moving into and out of your business. By looking back and seeing the patterns in your cash flow, you’re better prepared for what lies ahead.Here’s a sample report that PayPie shared with me: