2d • General discussion
Business Credit 101
Most people try to “build business credit” before they even have a real business.
I used to think the same. I was chasing trade lines and vendor accounts instead of fixing my personal profile.
Here’s the truth: your personal credit is your business credit at first. The banks use it to judge you.
Step one: fix the foundation. 680+ score, five primaries, low utilization. Then stack business cards that don’t report personal.
Simple rule: qualify yourself before you try to qualify your business.
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Business Credit 101
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