Blogs » UHV Small Business Development Center » Building a Better Credit Portfolio April 17


Image ‘Building a Better Credit Portfolio’ workshop to explain ins, outs of credit reports

Area residents who want to learn how a personal credit score fits into the picture of consumer and business borrowing, and improve their own score can attend an upcoming program at the University of Houston-Victoria (UHV)

Building A Better Credit Portfolio workshop, co-sponsored by the UHV Small Business Development Center and the Victoria Chamber of Commerce, will be from 1:30 pm to 3:30 pm Thursday, April 17 at the UHV Small Business Development Center, 3402 N. Ben Wilson St. The event is free to the public.

Annie Hudspeth, SBA Lender Relations Specialist from the SBA San Antonio district office will present the workshop. The workshop will address how to determine credit ratings and how people can improve their personal ratings, as well as give useful tools for small businesses owners. Learn how lenders use your credit report and score. There will also be tips on raising your credit score. Other areas covered include: What is a credit report? What is a credit score? How can people obtain their credit report? How do people’s credit histories affect them?

SBDC Director Joe Humphreys said the workshop will give valuable knowledge to existing small business owners or people who want to explore opening a new business. “Credit is important to obtaining loans and other investment funds,” Humphreys said. “When seeking a business loan, credit is always something that comes up. We will give information so potential business owners can put their affairs in order before they seek financing from a lender.”

Hudspeth said those who attend will learn about their personal credit and lessen the anxiety before approaching a lender. According to Hudspeth, “Negative items can stay on a credit history report for up to seven years. That is why it’s important to look at your own credit report. You can find mistakes and address dated information that should have been removed.” To register, email or call 361-485-4485 or 877-895-7232. All UHV SBDC workshops are open to the public.

The UHV SBDC is part of a nationwide small business assistance program serving the small business community and federal, state and local governments. The center offers no-cost business counseling, training and technical assistance to existing and start-up businesses in an 11-county area. To make an appointment for business services or register for a UHV SBDC workshop, call the center at 361-485-4485 or email at

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