Business credit
Build the file that lowers your rates, and fix the personal file that lenders check first.
In short
Business credit is a file on your company held by Dun & Bradstreet, Experian Business and Equifax Business, built with vendor accounts, cards and loans that report. Most small business lending still relies on the owner's personal credit, so repairing personal credit before applying is often the highest-return step.
Guides
How to build business credit
A sequence that takes most businesses from no file to lender-ready in six to twelve months.Net-30 vendor accounts
The first tradelines most businesses get, how to use them without wasting money, and what to check before applying.Credit repair before you apply for funding
Which personal credit changes move business loan offers the most, in what order, and when it is worth waiting.
A sequence that takes most businesses from no file to lender-ready in six to twelve months.Net-30 vendor accounts
The first tradelines most businesses get, how to use them without wasting money, and what to check before applying.Credit repair before you apply for funding
Which personal credit changes move business loan offers the most, in what order, and when it is worth waiting.
Frequently asked questions
How do I check my business credit?
Request reports from Dun & Bradstreet (D-U-N-S), Experian Business and Equifax Business. Paid monitoring is available from each.
Does an LLC have its own credit score?
Only once accounts start reporting under its EIN. A new LLC has no file until you build one.