This is your blueprint to build real business credit WITHOUT personal credit, WITHOUT PG, and WITHOUT the runaround. 1️⃣ BUSINESS SETUP (MUST BE DONE RIGHT) Before ANY lender gives you money, your business must be “lender compliant.” ✔️ You need: 🏢 LLC or Corporation 📄 EIN (free on IRS.gov) 💼 Business Bank Account 📬 Real business address (no P.O. Box) 📱 Business Phone Number (Google Voice is fine) 🌐 Business Email (ex: info@yourbusiness.com) 🖥️ Company Website 📘 DUNS Number (free on Dun & Bradstreet) If one thing is missing → instant denial. 2️⃣ BUSINESS CREDIT TIERS (FOLLOW IN ORDER) 🚦 TIER 1 – Starter Vendors (No PG) Use these FIRST to get your credit file reporting: ✔ Uline ✔ Grainger ✔ Quill ✔ Summa Office Supplies ✔ Crown Office Supplies Buy something small → pay invoice early → let it report. 🚦 TIER 2 – More Vendor Accounts After 4–5 trade lines are reporting: ✔ Shirtsy ✔ Office Garner ✔ HD Supply ✔ Wise Business Plans 🚦 TIER 3 – Revolving Accounts Now you can get real credit lines: ✔ Sam’s Club MasterCard ✔ Amazon Business ✔ Fuel Cards (Shell, BP, WEX) ✔ Staples ✔ Home Depot Commercial Most don’t require a PG if your business is set up right. 🚦 TIER 4 – BUSINESS CREDIT CARDS + FUNDING Once you have 8–10 trade lines reporting: 💳 Amex Business 💳 Capital One Spark 💳 Chase Ink 💳 Bank of America Business 💳 Citi Business 🏦 Lines of Credit ($10K–$250K) 3️⃣ WHAT LENDERS LOOK AT Lenders check: 📊 PAYDEX Score (D&B) – needs to be 80+ 📈 Experian Business Score – 76+ 🔍 Business bank account activity 💰 Monthly revenue (for bigger loans) ⚠️ Business address & phone must match everywhere If ANYTHING doesn’t match → DENIED. 4️⃣ FASTEST WAY TO BUILD BUSINESS CREDIT Do this: 🔥 Add 4 vendors (Tier 1) 🔥 Pay invoices early 🔥 Wait for them to report 🔥 Add 2 more vendors 🔥 Apply for revolving accounts 🔥 Then apply for business credit cards You can build $50K–$150K in business credit in 90–120 days if you move right.

This is your quick, simple guide to understanding credit and fixing it the RIGHT way. 📌 1. What Makes Your Score Go Up or Down Your credit score is made of 5 parts: 🟩 35% — Payment History Pay EVERYTHING on time. Late payments hurt the most. 🟦 30% — Utilization Keep your credit card balances under 10% for best results. 🟨 15% — Age of Credit The older your accounts, the better your score. 🟪 10% — Credit Mix A mix of: - Credit cards - Installments (Self, CreditStrong, loans) - Auto, mortgage (optional) 🟥 10% — Inquiries Too many hard pulls lowers your score temporarily. 📌 2. How to Build Credit FAST Add the “Big 4”: ✔ Credit Strong ✔ Self Lender ✔ Rental Reporting (Rental Kharma/RentReporters) ✔ Kikoff or Ava These give you primary accounts, the most powerful type. 📌 3. How to Fix Your Credit Do this in order: 1. Dispute negative items 2. Remove incorrect addresses & names 3. Lower utilization 4. Add credit builders 5. Let your age grow 📌 4. What NOT to Do 🚫 Don’t close old accounts 🚫 Don’t max out credit cards 🚫 Don’t apply for too many cards 🚫 Don’t ignore collection letters 🚫 Don’t trust “instant 800 scores” scams 📌 5. Credit Goal Levels 600–650: Rebuilding 680: Basic approvals 720: Solid approvals 760+: Best rates & limits 800+: Elite credit / funding ready 📌 6. Quick Fixes That Work ✨ Pay cards down under 10% ✨ Remove old/incorrect addresses ✨ Add 3–4 primaries ✨ Dispute inaccuracies ✨ Use card 1–2 times a month then pay off Drop a 💳 in the comments if you want the FULL credit guide, and I’ll post it next.