Insider Alerts Us To New Credit Score Ranking Model

business credit, business loans, business credit cards, credit sweep

Find Out How to Score Higher with New Ranking Model

There is a new Credit Scoring Model in Town and It’s  coming for YOU!  The revised algorithm used in determining credit scores is again changing, with major changes that have enough weight to make both cautious consumers along with high limit borrowers rethink their credit plans.A major change we are being told is that:  those who currently that have high scores and have stood by the the time tested practice of never closing a credit card account may now possibly loose points.

Who is using this new credit card scoring algorithm and who is behind the scoring changes?

Of course, it’s the Big 3!   Experian, TransUnion, Equifax  and it’s not using the normal 20+ FICO scoring models either (FICO 5, FICO 8, FICO 9, etc).  
It’s called the “VantageScore”.  Many of you have seen this scoring system popup  when checking your free credit reports (mybankrate, quizzle, etc.)  and this model generally gives higher scores than the industry standard FICO scoring models.   Insiders say that this system handled 7- 8 billion applications last year alone with these new account applications being primarily for credit cards.  The mortgage industry only uses FICO scoring models, so this will not have any affect on your FICO scores.
The VantageScore® 3.0 model scale is from 300-850.  A score is then determined from information supplied by reporting vendors into your credit file.  Then, that information is separated into six distinct categories and categories vary in the percentage weight of a score.   
The categories scoring weights in order :
  • Payment history
  • Age and type of credit
  • Percentage of credit limit used
  • Total balances/debt
  • Recent credit behavior
  • Available credit.
The VantageScore® 3.0 credit score is compiled with what is known as current trending data is the latest significant  influence.  The reality is, this credit score will focus on how a consumer’s debt(s) is managed on a month to month basis.   In basic terms this will benefit a someone who is paying down debt every month is likely to be scored higher than someone who is simply maintaining minimum monthly payments.
This change will most likely affect consumers with high credit scores the most.  The use of trending data is to forecast indicators for late payments and defaults prior to a borrower actually being late or defaulting.  So it’s the latest data driven crystal ball!
Another major change you need to be alerted to is retaining aged open accounts in relation to the credit limit to usage.   Yes, this has been a factor in the past also, however the change is giving better scoring to more accounts with lower credit limits opposed to a few accounts carrying high dollar limits – some what of a reversal from the past.  Keep in mind we are only talking about this scoring model and not credit issuers using FICO scoring models.  If we interpret this correctly, a consumer with $10,000 in credit card debt with a cumulative total credit limit of $40,000 on  five cards theoretically could score better than someone with $4,000 in debt on a single $10,000 limit.

What the VantageScore® 3.0 is doing for credit issuers is saying – we are using risk management by spreading it across several vendors (cards) opposed to one high limit card taking the loss.  So a consumer will score lower for having large credit card limits that we have all been seeking for the past several years.  If you have an excellent credit score – you are probably going to suffer a score drop with this algorithm.

Good News is with the removal of negative items such as judgments, delinquent medical debt(s) and tax lien(s) could fair better using this scoring system.  The removal of court  judgments, medical debt(s) and tax lien(s) out of the algorithm follows the 2015 agreement between Experian, TransUnion and Equifax credit bureaus and over 31 state attorney generals.  The reasoning behind this is that court judgments and tax liens are usually disputed along with being full of errors.   Also,  negative medical debt is many times reported and due to slow reimbursements by insurance companies that people have no control over.
So now, we are at a fork in the road  – do you continue to build credit accounts the way we have for the past 10 years and stick to the FICO system or move your strategy towards the VantageScore system?  We are seeking the names of the vendors who are actually using the Vantage Score for credit issuance and will keep you posted when we know for sure this is a scoring model that is really used and by what vendor.  We do have vendor scoring information in the Credit Mastery Book to help you find the right vendor and who they pull credit reports from.
Experian, TransUnion, Equifax, VantageScore® 3.0, FICO, MyBankRate, Quizzle are all copyrighted and trademarked names and our use is for information to consumers and not for the purpose of any form of infringement.
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Getting the Best Rates on Credit Cards

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How to get the best credit card rates

How many times a day do you receive offers through email? Or that call for a free credit card with some money back offer, along with the possibility of a low introductory rate and other wonderful perks of the credit card world?

So, How to get the best credit card rates?

Look, all banks, credit unions and other financial institutions compete for maximum customers by deluging the public with a myriad of perks to tempt customers into taking their card deal. In reality, a credit card is nothing more than another form of borrowing money to be repaid at a later date.

How to get the best credit card rates by choosing using these factors

In the long run, it is better to choose a credit card that will offer the best rate for your score.
Why over pay interest to the banks? Take your time and compare credit card, terms and fees point by point, prior to applying and accepting a credit card account. Do the best in your selection process to find a credit card that has the interest rate that best matches your particular needs and budget.

The APR (annual percentage rate) is the calculation of the cost of credit credit cards usage fee expressed as a yearly rate. Keep a look out for variable or changing rates before accepting a credit card as some credit card issuers have in the fine print interest rates that can change with the Federal Reserve, LIBOR or on their own economic trends. This offer is called a variable rate program and when you first get your card it is not uncommon for something like an 8% interest rate, however with any economic trends that trigger their index changes, your interest rate may change to 14% overnight (oh, you will get an email or letter letting you know this has happened). Bottom line is you will later have to pay more interest with your new interest rate!

How to get the best credit card rates by using fixed rate or variable rate cards?

So walk on the side of caution and confirm if the credit card your are applying for is a ‘fixed rate’ or variable rate program. A fixed rate card is just what it claims to be with no change in the annual percentage rate, even when economic trends change.

How to get the best credit card rates? You also want to verify if the card you are applying for gives a ‘grace period’. A grace period is a time frame where you can avoid extra finance charges by paying your balance prior to its due date.

Next you will want to check if the card charges an annual membership fee or any other associated transaction fees. In the long run, it’s better to select a credit card company that is offering the lowest additional costs! With more additional costs there are, the more money you will have to pay the card issuer! We have seen card issuers that advertise on TV and even sponsor a NASCAR race car, that charge $8.99 per month for a $500-$1,000 credit line for bad to good credit.

In conclusion, when sourcing credit cards, it is in your best interest to consider if the credit limit and associated fee costs are suitable for you. Once you weighed out your offers, only then should you apply for the credit card (also, you don’t want any extra inquires on your credit report that will hover there for the next two years!). To get the best rate on a credit card, read all the fine print and make sure you understand all terms and conditions of the card before submitting the application.

We hope this article helps you a bit more in your quest for credit, and we do hope you can maintain and grow your credit score!

Visit our financial products page for great credit card offers from top issuers

How to get the best credit card rates

Will Credit Counseling Work for You?

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“Cut Your Payments in Half!” or “Consolidate Your Bills into One Low Monthly Payment!”

Will Credit Counseling Work for You?

We all have seen these ads and when you see ads like these, most likely they are from a Credit Counseling firm. Let’s investigate the basis or principles behind this Credit Counseling approach and reveal the main problems most consumers face when they ultimately enroll in one of these programs.

The common term “Credit Counseling” is really misleading, since it has absolutely nothing to do with the preservation or credit score improvement. In reality, most Credit Counseling will certainly damage your credit if precautions are not taken. This single unpleasant fact is downplayed by most in the industry.

Credit Counseling is debt management. These are programs that are designed to have you make a monthly payment to an agency and then the agency redistributes your money to creditors you are behind with on your behalf. Hopefully, at a lower interest rate using an agency, all in order to pay off the debt much faster. Credit Counseling should never be construed as Debt Consolidation, Debt Settlements, or Termination of Debt. Each of those types of debt methods take a very different approach in resolution opposed to straight Credit Counseling.

With the available options at your disposal today, Credit Counseling is by far the most popular in the USA with millions of Americans on these programs.

Is this the end all solution if you are struggling with debt ?
No! Let’s look deeper at the numerous problems within this method.

In the past 10 years, the Credit Counseling industry has been the target of criticism by many pro consumer groups such as the Consumer Federation of America. However, these critics often are off the mark entirely. With a laser focus on the overly aggressive companies that utilize their 501(c)(3) non-profit status to lure consumers into believing they are a charitable organization, or possibly their services are offered free of charge. No way, these posers charge hefty so called “voluntary” contributions. Many times these add up to hundreds of dollars for the consumer, plus high monthly maintenance fees as well.

So let’s take an insider journey on how Credit Counseling actually works. For instance, someone might owe $30,000 with different credit card lenders. We also need to make the assumption the average interest rate prior to enrolling was at approximately 24% (which is actually low these days considering there are credit card bandits charging 49% per month out of North Dakota). If your minimum monthly payments have been $500, which you’ve been struggling to keep up with. At this rate, it will take a whopping 160 months (more than 13 years) to pay off your card debt, this is under the assumption you do not miss another payment.

So you enrolled in a Credit Counseling program with the hopes and promises that you will get of debt faster. But will you? This is only if your creditors agree to work with you in their program (many time this is not the case), your goal really should be in a reduction in your interest rates. Prior to this year, some creditors really liked using Credit Counseling to keep their collections ongoing and they offered very good concessions on their normal interest rates to get you back in the system. But currently they creditors are no longer participating like in the past due to being pressured into concessions and only to have the card holder default one again.

Credit Counseling part 1

Finding Credit Cards For People With Bad Credit

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Finding Credit Cards For People With Bad Credit

Credit cards for bad credit. Finding the best credit deals with poor to bad credit is tough and may be, these are the only credit cards for people with bad credit might be the only cards you qualify for. Option are limited and the interest on credit cards for people with bad credit your will find are up to 200% higher than on a regular credit card issuance. These credit cards have been specially designed for those individuals with a bad credit history and can not qualify for a standard credit card. If you are trying to build credit, in school or your first credit, or possibly circumstances have arisen that has negatively impacted your credit history and in these cases you normally qualify for this type of credit cards for bad credit.

Bad Credit Deals – Do they exist?

With bad credit, credit card deals are found online without a lot of effort doing a simple search for bad credit or fully secured cards. These lenders will divide bad credit cards into “fully secured credit cards” for bad credit that need a deposit and “unsecured credit cards”, either way both come with much higher fees. They do offer people with a poor credit scores or those without a previous credit history a fairly quick and easy way to regain a new good credit history using the bad credit cards as a tool. If you keep your credit balance under the limit along with making your payments on time, you will become eligible for new offers that have better low interest card rates and will improve your credit score also. Your best move is to start immediately correcting your bad credit with dispute letters (Credit Mastery – Business Credit – Personal Credit book has several great letters to challenge the reporting lenders and credit reporting agencies to improve your score).

Interest rates  – Finding Credit Cards For People With Bad Credit

Temptations seem to be endless when having credit cards and if you try to use bad credit cards to get you through a tight situation, keep in mind this is only a temporary solution as the interest rates on these credit cards are extremely high and you may just be digging a new hole! It is best to shop around and find credit cards for bad credit with an interest rate that you can live with. If you are one of those people who are constantly rolling over balances from month to month you probably already know the single most important part of picking credit cards is the interest rate in this case.


Credit cards for bad credit are very easy to misuse, so don’t go crazy as soon as they arrive, they are not a lottery ticket! If you find yourself going a bit overboard there is a good chance you just put yourself in a much worse situation. Secondly, do not apply for every bad credit card offer your see, as this does affect your 10% of your credit score for the inquiry, so only choose two credit card deals you find. After six months you can venture into another two cards.

Click here for Finding Credit Cards For People With Bad Credit


Bad Credit Personal Loans: Loans Irrespective of Credit

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Bad Credit Personal Loans: Loans Irrespective of Credit

Bad Credit Personal Loans are readily available nationwide, even if you have extreme bad credit with problems such as late payments, judgements, bankruptcies, repossessions or foreclosures. Bad credit personal loans can be easy to qualify in the right situation and may feature payments that are flexible and affordable. We will get into specifics of these later in this article. If used with discretion, bad credit personal loans can be your initial step to cure your current financial troubles and get back on your feet again. These personal loans are offered in two varieties as in fully secured and unsecured forms. By repaying the borrowed amount borrower gets a chance to improve the credit record. When you obtain personal loans, keep in mind, most are issued with the understanding the funds are being used for strictly for personal needs and not for your business, but other than that they normally do not have any specific requirements. Should you wish to fund a business, you will need to start to build the appropriate business credit ( See the Credit Mastery Books )

Fully Secured Personal Loans

When considering fully secured <i>bad credit personal loans</i>, these will usually have lower monthly payment schedule along with generally having lower interest rates. Collateral required? some lenders will require collateral – especially if a vehicle loan. Should the property that is used as collateral for the loan exceeds your loan amount, generally the interest rate can be very low in these cases. A lender will have much less risk in this scenario, considering the loan is secured by the your property and in this event you are less likely to miss payments or default on the loan.

Unsecured Personal Loans – Everyone’s Number One Choice!

As you already know, an unsecured loan requires no property, liens, or collateral encumbrance for approvals. Getting unsecured bad credit personal loans can take less time with the trade off of being much more expensive, due to high interest rates for the bad credit risk. Lenders who provide lending without requiring any form of collateral on bad credit files are rare, unless they can deduct weekly payments and you have some type of history that relates to their funding. These type of unsecured personal loans are easy to obtain for homeowners and sometimes for those who have declared bankruptcy.

Two major points need to be made about <u>bad credit personal loans</u> are: a) they always carry higher rates of interest attached to the loan and b) a requirement of a fair to sizable down payment or posting collateral if you have a bad credit history.

You will need to compare what lenders are offering today to see what type of bad credit personal loan is right for your current situation. For many, having to constantly live with the label of a bad credit risk is certainly not a good one. It causes stress when funds cannot be obtained as easy as those with good to excellent credit. Bad Credit Personal Loans can help certain individuals in this situation a lot, because these loans offer finances and opportunities to the individuals even with their poor credit record.

Bad credit just doesn’t happen, it occurs when a borrower does not repay or possibly skip on past loans, which in the end results in creating a series of problems like collections, defaults, judgement and eventually for some bankruptcy. Various factors can arise to create this situation such as a sudden illness, a job transfer, or a major one is the loss of employment of the borrower.

The secured form of the loans can be availed only by placing acceptable collateral such as a home, other owned real estate property, vehicles, commercial equipment, etc. Placing of these assets can assure a lender that their funds are safe and the loan will be paid satisfactory on time. Eavey lender will determine an amount they can offer based upon the equity value of the posted collateral. A plus is that having security attached, your will normally get comparatively low interest rates.

Most of the lenders now offer both secured and unsecured loans online, mail in application or by telephone.

Credit Score Repair

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Credit Score Repair

If you have been surfing the web about credit score repair , you most likely have bee deluged with enticing ads and guarantees of erasing your bad credit from the credit reporting agencies. Well, it sounds really great all right, but is it really true?

The Federal Trade Commission (FTC) has issued a press release in the form of a Consumer Alert on this, from their website we found:

“If you are looking for a magic pill to fix your credit problems, do not believe promises like the following. There has been a significant increase among so-called “ credit score repair – credit repair” companies who charge anywhere from $50 to in excess of $1,000 to “fix” your credit report. In many of the cases reported, these businesses have no problem taking your hard earned money and do very little or absolutely nothing in improving your credit report. Many times they just seem to vanish.”

The FTC further adds, that there is no quick and easy way for credit score repair. If some credit score repair company offers to “cure” your past history of credit reporting, then use some caution. Keep in mind, that you can probably do what this credit score repair company offers to do in credit repair can be done using challenge or dispute letters.

Protecting Your Credit

If you are considering using a credit score repair business in helping the resolution of your credit history past, be sure to take these few following steps in order to prevent these common credit repair scams:

* First, check out the credit score repair company on the internet by doing a search for reviews or scams by of the company in question. You can always contact your state’s attorney general office, Better Business Bureau, and other state or local consumer affairs agency. Should you find that there are multiple complaints and/or legal actions taken against the company, then it’s in your best interest not to do business with them.

* False claims of incredible results are abundant and a lot of this is due to sheer marketing ploys. A common ploy using by some credit score repair companies, i that they will tell you that they can change or erase accurate information in your credit report. However, this is not the truth. Plus, if they ultimately deliver on this promise, they most likely have done so through questionable or possibly illegal means.

* Normally, the cost you pay is a nominal per letter fee to correct (repair) errors within your current credit report. So, if the credit score repair business demands a sizable amount of money in advance, use extra caution. The most common attraction for consumers is the old Money-back guarantees as these can be costly and time consuming if the company is dishonest.

We need to say however, that there are a number of legitimate credit repair businesses that truly seek to correct credit reports and scores. But due to many legitimate and false reports and/or complaints from consumers, who have been either misled or deceived by fraudulent credit score repair businesses, now 30 US states have been seen to enact laws to control the practices of these credit repair agencies. These are the same agencies whose declared purpose was to investigate the credit repair businesses in existence!!!

So, in conclusion, if you need credit score repair to improve you score – you can do it yourself! Check out the personal section in Credit Mastery : Business Credit – Personal Credit for dispute letters that will work for you!


How to Restore your Credit after Identity Theft

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How to Restore your Credit after Identity Theft

How to Restore your Credit after Identity Theft, Identity theft can be a terrible thing and when left unnoticed or unreported can ruin your credit and borrowing power for the long term. Though identity theft can cause major problems with your credit and drop your credit score dramatically, there are ways to work to recover from identity theft and restore your credit to what it once was. One of the first things to remember is the quicker identity theft is reported the easier it is to remove from your credit. Regardless, of whether you reported quickly or were too embarrassed to come forward, you need to contact your credit accounts, the agencies that house your personal information and the police to make a complaint and start the process to recovery.

How to Restore your Credit after Identity Theft

How to Restore your Credit after Identity Theft, The first step is to try and find out the extent of the damage caused and you can start with that by ordering and printing your current credit reports from all three agencies. You then need to sit down and go over them with a fine-toothed comb and highlight anything that you don’t remember, is completely incorrect or you are unsure of. Then take the time to contact the creditors listed for those accounts in question and get as much information about the accounts or incorrect purchases made on the account. They should send you hard copies in the mail and this will become part of the dispute and evidence folder you are going to build. Do this with all affected accounts, creditors and agencies, gathering as much information as possible with each one. Once you have done that, make two or three copies of all the evidence you have. You will want to file a copy of everything with your police report, plus keep your own copies when it comes time to turn everything in for dispute.

Many companies now allow you to call and report theft on the account and will freeze the transactions while you and they investigate the situation. This can stop the debt from incurring in the first place and falling into a default status while you are trying to take care of the situation. Take advantage of this feature on any affected accounts that have them.

How to Restore your Credit after Identity Theft, At the end of each of your credit reports are the instructions for how to file a dispute through that particular credit reporting agency. Make sure you read it over a couple of times and understand it completely. This can be the difference between a successful dispute and one that gets tossed in the trash. You must follow the guidelines completely and understand there is a waiting period where the creditors get to investigate and respond to the items you are disputing.

How to Restore your Credit after Identity Theft Conclusion

Regardless of the level of identity theft that has occurred there are ways to bounce back and preserve your credit for future borrowing and good credit standing. Your credit score will take longer to bounce back than the information on the credit report this is because it is not updated as often. Always keep track of all your accounts and what their current status is. Also, keep all important papers in a fire-proof safe and the originals in a safe-deposit box with a bank you can trust. With a little diligence and some hard work you can bounce back from identity theft and protect yourself against being a victim in the future while still maintaining a good credit rating and fulfilling your financial dreams.

How to Restore your Credit after Identity Theft

Get A Small Business Loan

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How to get a Small Business Loan – Part 1

We have the solution for small business loan along with a full complement of proven lenders along with their requirements.  Structure is a key component, just as a solid foundation is to a building.

The first decision you need to make as you launch your business is what kind of organizational structure it should have. Should it be a sole proprietorship? A partnership? A corporation? A LLC? A Trust? A Non-Profit?  Lets examine the types of legal entities that are available for use as a business and the pros and cons associated with your. Once you decide which one is best for your situation we will begin the process of acquisition or conversion from one type to another….S- Corporation … LLC … C-Corporation … Sole Proprietor … Partnership … also the benefit of a COPES qualified entity.

Also you may need to do an Application for Registration of an Assumed Business Name or in some states it is called a Trade-name / Trademark or Service Mark for some sole proprietors. You will have to file this with the Secretary of State if you plan to start a sole proprietorship, general partnership, or association. Once approval is given, your business name will be registered with the state.

We highly recommend a trademark / servicemark for every business. This identifies you as a real operating company, not to mention that a trademark / service mark can be used as collateral in a large loan situation as it does have value to the business. This is a credit cheater spoiler!

No Articles / By-Laws / Operating Agreement – No Bank Account – No Business Credit – No Small Business Loan!

Corporation – Articles of Incorporation. These are required of corporations or individuals who wish to do business in every state through a corporation legal entity. Nonprofit corporations must also file Articles of Incorporation.

You will also need to prepare what is called the company by-laws that direct the company on its operations.

LLC – Articles of Organization/Operating Agreement. File these with the Secretary of State’s Office if you want to form a limited liability company.

You will also need to prepare what is called the company Operating Agreement, which is the LLC’s version of by-laws, that direct the company on its operations.

Pick an Address!

The Business Location is important for commerce and that relates to getting a small business loan!

Location – Location – Location is what you hear in the restaurant and auto sales industry along with a plethora of other retail businesses.

With most full blown businesses a commercial location is ideal and required for many businesses, however many times a new business cannot afford the cost of a separate location nor really need this expense. Take for example internet bloggers, webmasters, internet advertising and marketing companies really have no need for a full blown office, unless the owner has additional employees or finds working from home too much if constantly suffering interruptions or can’t stay focused due to some other forms of distraction.

Do the majority of our clients have a full blown retail location? No way! Most of them cannot justify the added cost based on the fact that they may work on the internet or telephone all day. So, the only viable options left to one is either a virtual office $150 per month, executive office $450 per month (or thereabouts). When using this strategy avoid the extremely large virtual office companies – you know the first 10 that show up in a google search. Use the small provider in that area as they most likely have not had any business failures or defaults at that address, unlike many of the larger virtual offices.

To learn more you can continue to part 2 or better yet enroll in the business credit e-course or purchase the Credit Mastery Books to help get a small business loan.

#businesscredit #smallbusinessloan #sbaloan #businessloan #credit #howtogetasmallbusinessloan

Consider Renting Money

business credit, business loans, business credit cards, credit sweep

Yes, We did say Renting Money!

Actually, we are talking a strategy using Certificates of Deposit to become what is known in banking circles as a centre of influence.  This is what some also call leasing a Certificate of deposit to be used not as collateral, but an influence or deal closer for a lender to issue funding. Renting money is easy!

Lower Rates in Effect for A Limited Time! Normally the rates are 4 – 7 % of the Face Amount of CD’s

Our Provider made a Special Arrangement for an unknown period of 3.975% on all agreements over $10 Million.  Yes, you can have the influence of  $10 Million Dollars deposited into your USA Bank or Credit Union.  These funds can remain with your insured lender for up to 5 years!

The use of a Certificate of Deposit as a strategy to obtain a loan is a very viable funding tool when applied in the proper fashion. This method will work if you identify the needs of the bank and you the borrower.

As you will see, the beauty of the Certificate of Deposit strategy is the fact that it creates a win-win(-win) situation for all involved. You get your funding and the financial institution (lender) gets funds to use as per their normal operating procedures. We also included a third win as if it is a buy-sell transaction where the seller or buyer also wins because this caused the deal to close.

There are a few very important conditions all clients and lenders must agree adhere to when using our certificate of deposit services. First, the deposits cannot be encumbered, pledged, put in jeopardy, used to collateralize your loan, or used to guarantee any loan. Your lender does not reserve the right of offset against these certificates obusiness credit, credit repair, business loan, credit sweepf deposit. No funds can or will be deposited into client’s bank account or in the name of the client – certificate of deposit funds remain in the owner of the funds name without exception (See Verify on Demand chapter should you need funds in your name or company name). Only your Banker will have access to the funds used to purchase these certificates of deposit based upon the banks operations and rules. These conditions are specific and cannot be altered. However, the applications for using the certificate of deposit strategy are endless – renting money

ISG3 will arrange for the purchase of “Certificates of Deposit” in the amount you request $500,000 minimum to $50,000,000, at any acceptable insured (FDIC, CDIC, privately insured, etc.) financial institution YOU request. International deposits can be arranged under certain specific conditions.

Email or call us to get started with the Certificate of Deposit strategy, complete the form and put your fee into escrow, then approximately 10 business days funds will be deposited.

We have included several examples of our certificates of deposit program in real world use in the Credit Mastery Advanced Funding Tools book. These are just examples and there are many, many other potential uses for these once you understand the value of this product.

Worst Business for Funding

business credit, business loans, business credit cards, credit sweep

If you want business funding, here are a few business types that are the worst at the beginning of 2017:

  1. Real estate investing or anything else regarding investing of any type
  2. Car sales
  3. Adult entertainment
  4. Travel industry
  5. Money lending/collecting
  6. Restaurants
  7. Dry Cleaners
  8. Transportation is getting bad due to failures of the major trucking companies over the past few years.

Electronics and Software seem to still be consistent, but keep in mind that your business plan and financials are the key to hard money lending.