You don't have to give your SSN to businesses that request it, although they do have right to refuse service. Only government agency, and employment or tax related inquiries must be answered.

Reduce number of pre-approved offers you get by requesting these credit bureaus remove your name from their lists: TRW (800) 353-0809, Equifax (800) 219-1251 and TransUnion (800) 241-2858.

Once a year carefully check out your free credit report from Experian (800) 682-7654 and free Social Security file (800) 772-1213. If you are denied credit based on your report, issuing credit bureau must provide you with a free copy upon request - even if they usually charge for it.

Do not give out confidential information on e-mail or do financial transactions on Internet unless it's secure and encoded. (Look for SSL reference)

Check guarantee and check verification agencies must provide same protection as credit bureaus, such as access to your report and correction of errors. If your check is refused, get agency name.

For assistance in re-establishing good credit and correcting errors, non-profit Consumer Credit Counseling Service may be able to help you. To find office nearest you call (800) 388-2227. You can check out more free time-saving tips at http://www.organize.com

A commercial mortgage broker works with these different lenders every day. The broker knows what each lender looks for in an application and sends your application to those with best chances of approving your loan. This method is highly targeted. And, brokers only get paid when they successfully match applicant with lender. Their financial incentive is what motivates them. Best of all, lender pays broker’s fees, not applicant.

Working with a commercial mortgage broker costs you, applicant, nothing. Working with a broker frees up your time so you can get back to running your business. Working with a broker greatly increases your chances of getting your commercial loan approved fast. In fact, brokers often get approval from multiple lenders which puts applicants in a great position to bargain better loan terms. And best of all, brokers will handle these negotiations!

There are so many reasons why working with a US commercial mortgage broker makes sense. Yet it’s amazing how many applicants don’t take advantage of their services. You work hard at streamlining your business and cutting your operating costs so why not streamline your commercial loan approval process? For fast results, contact a US commercial mortgage broker today!

Author:- Commercial Mortgage and Bridging Finance specialists Commercial Lifeline.