Aggregates both credit and non-credit data (like utility payments). 2. The "90% Trap"
Did you know that over to these bureaus? You could be paying your bills on time for years and have a "thin file" that makes you look like a ghost to a bank.
While your personal score is a private matter, your business credit is a . That means potential partners, savvy suppliers, and even competitors can peek at your financial reputation whenever they want. business credit reporting
Unlike the consumer world, there are three primary agencies watching your business:
Focuses on legal filings and payment trends. Aggregates both credit and non-credit data (like utility
Good business credit reporting allows you to stop "personally guaranteeing" every loan. By building a strong corporate profile, you protect your personal assets and keep your personal credit utilization low—even when your business is making huge inventory purchases.
The most critical player. You need a D-U-N-S Number from them to even start a credit file. You could be paying your bills on time
To get a "perfect" score with Dun & Bradstreet (a 100 Paydex), you actually have to pay your bills early , not just on time. 4. Keeping Your Personal Life Separate
