Your Credit & You – Kearny

Presented in partnership with the
Hudson County Economic Development Corporation

Personal credit plays an important role in your business. Small or start-up businesses have not had the chance to establish business credit, so their access to capital is tied directly to the credit of the owners. In this workshop, we’ll cover:

• What are credit scores
• Credit myths
• How are credit scores calculated
• Changing your credit score
• What types of financing are available
• What lenders look for

In addition to these items, we’ll distribute a sample credit report and go through the details with you to give you a hands-on experience of interpreting a credit report.

Learn from an expert

Ed Ramirez
Training Officer

Ed has enjoyed many different types of professional opportunities throughout his career, but the common thread through all has been leadership management and service to others. With a strong foundation in both theory and practice, Ed brings a seasoned perspective to his clients’ business opportunities and challenges.

Following a 12-year stint in the Army as a Staff Sergeant stationed in Turkey, Ed began a 20-year career providing small business consulting and accounting services in New Jersey.    He then spent six years as a faculty member and Dean of Student Affairs at a small college in Ohio, where he helped shepherd the institution through a successful national accreditation process.

Along the way, Ed earned Bachelors degrees in Management and Accounting, a Master’s degree in Organizational Leadership, an Advanced Educational Specialist degree in Transformational Leadership, and is currently studying for a Doctorate in Business Administration.