score a better future entrepreneurs edition | meet nedra

Are you a small business owner? Working on the next big idea to launch out into the world? Did you know that most small business owners (75%) depend on personal capital to fund their businesses (U.S. Census)?

Good news.

FICO has committed to educating consumers through their national Score A Better Future program. This program brings together consumer advocates, credit educators, and community leaders in a series of free educational events across the country. 

One of FICO’s key initiatives for Score A Better Future is to help communities of color, first time homebuyers, millennials, those with no scores and if you have less than strong credit to improve the understanding of their overall financial health.

Over the past year, we’ve heard directly from small business owners as they shared how they’ve utilized credit, are overcoming challenging economic times, and important credit tips that we can all benefit from.

We’ve heard from Taylor, a personal trainer based out of North Carolina, and Sarah a boutique owner.

Next up, let’s hear from Nedra, a therapist and author.

Name: Nedra

Location: North Carolina

Occupation: Therapist

How have you utilized credit in business? In 2017, after six years of having a therapy practice, I purchased a commercial space. I don’t want to move anymore and love our current space.

What have you learned about credit personally and as a small business owner? Credit personally and in business is important because in both areas maintaining excellent credit impacts how you can grow your business.

What is one credit tip that you would pass along to other business owners? Use your credit wisely because you may need it to carry your business to the next level. Whether you need to apply for a loan or secure a credit card, maintaining good credit is essential. 

Are you ready to attend an educational session led by experienced and highly accomplished FICO staff about the myths and facts of FICO® Scores and how to build credit? To learn more about Score A Better Future events, visit

I am an official brand ambassador for FICO. While I receive compensation for my participation as a brand ambassador, opinions are mine. 

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The Finance Bar is a personal finance suite helping women and couples achieve financial wellness through financial therapy, education, and an innovative learning hub on wheels. Creator Marsha Barnes is Certified in Financial Therapy, Financial Social Work, and serves as an Official FICO Brand Ambassador, and was named GOBankingRates’ Best Money Expert in the Net-Worth Category.

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