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September 2005

Success Stories

Samphou Williams

Samphou Williams needed advice on restructuring business debt originally provided by an unscrupulous financial services firm.  The SBDC worked with her to find an appropriate lender and put her already profitable business into a better position.

Business - Brock's Laundry

Owner -  Samphou Williams

Location - 2420 E Ama. Blvd.

Employs 2

Contact Us

SBDC
701 S Taylor  Suite 118
Amarillo, TX  79101

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806-372-5151
fax  372-5261
email

Funded in part through a cooperative agreement with the U.S. Small Business Administration. All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA.

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Free Credit Reports

But......

Free credit reports are finally here for American consumers, but credit scores (a numeric value) are not free and reporting firms will try to sell you other services.  As of September 1st all consumers have access to their reports from Experian, Equifax and TransUnion, the three major credit reporting agencies.  You can order your free report by: Internet - annualcreditreport.com Telephone (toll-free) - 877-322-8228 Mail - Annual Credit Report Request Service, PO Box 105281, Atlanta GA  30348-5281   The SBDC recommends that everyone get a copy of their own credit report.  (If using the internet, be certain you are at the correct website - imposters are already cropping up on the web.)   Inaccuracies in credit reports are common and can lead to an array of problems for anyone borrowing money, seeking employment, buying insurance, or renting a residence.  In today's world, active management of your personal credit will lower your living costs, and plays a critical role in your ability to successfully operate a business. Red flags for those who see your credit report include: Too many accounts Late payments Tax liens Bankruptcy Maxed out credit Too many "hard" inquiries   For more information, read How Lenders Interpret Your Credit Report.

Grant Announcement

Texas Rural Communities

Sandra Tenorio, Executive Director of Texas Rural Communities, Inc., announced the availability of a new Texas Rural Best Award Grant. Tenorio said, "This is our sixth (6th) year in recognizing a Texas Rural Best program by awarding a $10,000 Grant to an innovative program in rural Texas. Rural Texans have a well-earned reputation of working hard to find innovative solutions to local needs. Our mission is to recognize, reward and learn from their innovations."  Texas Rural Best Award application procedures may be downloaded from the website at: www.texasrural.org or you may contact the office at 800-787-2589 for a copy of the application procedures.

Upcoming Seminars

Fall 2005

	Nov 16 - GIS for Business
	Dec 2 - Doing Business with Cuba
	TBA - E-mail Newsletter Workshop

Quote of the Month

"A picture is worth a thousand words, but it uses up three thousand times the memory."

- Unknown

END

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Content & Layout by PJ Pronger
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Copyright 2005 by WTAMU SBDC