Separate your business from your SSN.
Business credit isn't magic. It's a sequence. Work the tiers in order, and eventually the business borrows on its own file — not yours.
Five steps. In order.
Entity + EIN alignment
LLC or corp formed, EIN issued, and business name, address, and phone consistent across every filing — state, IRS, bank, MLS. Inconsistency is one of the most common reasons files stall.
D-U-N-S number
Register free with Dun & Bradstreet. Your D-U-N-S is the business equivalent of an SSN for credit reporting. Without it, trade lines have nowhere to report.
Net-30 trade accounts
Open vendor accounts that report to the business credit bureaus on net terms — office supplies, print, and subscription vendors are the usual starting points. Pay early, every cycle, to build the file.
Revolving store & fleet accounts
Once you've built a track record of clean, on-time payments with your Tier 1 vendors, revolving store cards and fleet cards become realistic next steps. These add revolving utilization data to the business bureaus.
Business cards & lines — no PG (over time)
With a longer track record and solid business bank statements, cards and lines of credit with limited or no personal liability become realistic. This is the goal: capital that lives on the business, not on your SSN.
The business credit checklist.
One printable PDF: every Tier 1 vendor, every registration URL, every deadline. Nothing to buy.
[GHL_EMBED: business-credit-checklist-form]By submitting, you agree to receive calls/texts about your request. Consent is not a condition of purchase.
Education only. We are not a credit repair organization and never charge for credit advice. Funding referrals may earn us a fee only if you receive funding — it never increases your cost. The funding partner you're referred to may also receive their own commission or fee as part of the transaction. Any such fees are part of standard funding-industry compensation and are disclosed by the funding partner directly. Never borrow to buy marketing. Results vary; leverage carries risk.
This program is for building toward a purchase or growing a business. It is never offered as foreclosure or mortgage-default help. If you are behind on your mortgage, we can only assist as your licensed real estate agent.
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