Self Employed Individuals Carry Extra Credit Burden

Self employed individuals and business owners carry the burden of trying to establish two credit identities, many without knowing it. The newly released book, The Credit Road Map for the Self Employed, addresses this issue and helps these people to navigate the world of credit.

Online PR News – 06-October-2009 – – Many people know the importance of credit in their lives. However, most business owners and independent contractors do not realize the extra burden they carry, as their personal credit becomes entangled with their business credit. Whether a business is just starting out, or trying to grow, credit becomes an imperative piece of the puzzle to make it happen.

Credit expert, Patrick Ritchie, has written a book that helps entrepreneurs create a second credit identity, and understand the importance in doing so. The Credit Road Map for the Self Employed is the follow-up to Ritchie’s first book, The Credit Road Map. Mr. Ritchie states, “I found that a lot of my readers were asking me questions about how their personal credit may or may not affect their business credit. And some had no idea of a relationship between the two! It became apparent that there was a need for a book that directly addressed the needs of business owners, independent contractors and everyone in between.”

Readers can discover how to improve their credit scores and how to overcome the negatives of charge-offs and collections. They will also learn how to protect their own information from identity theft as well as how they need to deal with confidential information from a business owner’s point of view. The 310 page book is available for purchase at and may be obtained in bulk at discount pricing.

Patrick Ritchie is a recognized credit expert, having taught thousands of people about the credit system and how to improve their scores and save money. He has spoken at industry conferences, colleges and associations around the U.S. and writes articles on credit issues for the REALTOR® magazine and other publications. Mr. Ritchie is the owner of Success Road Map Press LLC, which has published The Credit Road Map and various workbooks and DVDs. For the most up to date information on credit issues, speaking engagements and workshops, visit

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