As a business owner, before applying for any financing, you should know what your personal credit reports and business credit reports contain. You want to “see” what the lenders will see before you apply. You will also want to have your financials updated (i.e., profit & loss statement, balance sheet, income statement, etc.). Are you interested in monitoring your personal credit and business credit reports and scores? If so, please consider NAV. What is Nav? Nav brings a new approach to how a small business owner deals with credit by combining the power of seeing multiple credit reporting bureaus for both personal and business credit in one place. Their credit monitoring service has been featured on Fox Business News, CNN Money, TechCrunch and more. NAV is the only online provider that provides you access to your personal credit reports and scores from Experian and TransUnion and your full business credit reports from Dun & Bradstreet, Experian, and Equifax. Typically, you must pay $50.00-$150.00 to Dun & Bradstreet, Experian, or Equifax for a single business credit report. NAV is the only website you can obtain your FICO Small Business Scoring System (SBSS) Score. The score used to pre-screen applicants for the SBA's largest loan program, the FICO SBSS combines both personal and business credit data and can help unlock some of the largest-dollar, lowest-rate financing options lenders offer. We highly recommend the Business Loan Builder! Business Loan Builder ($49.99 mo.)What’s included: Full Experian and TransUnion personal credit reports and scores Full business credit reports from Dun & Bradstreet, Experian, and Equifax. MatchFactor powered financing marketplace (They use your business credit and personal credit to match you with lending programs and credit cards you have a good chance to qualify for) Cash Flow alerts 1-on-1 access to Credit & Lending Specialists Dispute errors on business credit reports Full service identity restoration w/dedicated identity specialist*

Using personal credit for everything keeps your limits small and your utilization high. Building true business credit means: ✅ Bigger approvals without hurting your score ✅ Space to grow without maxing personal cards ✅ Safer profile while lenders see you as fundable

Millions of files just got compromised. That’s bad for them — but if you know what to do, it’s leverage for YOU. 🔒 Step 1: Freeze your credit. Lock it down. 👀 Step 2: Watch for anything new or negative that shows up. ⚖️ Step 3: If you find ANY inaccuracies — wrong balances, outdated negatives, accounts that aren’t yours — DISPUTE IMMEDIATELY under the FCRA. 💥 This puts TransUnion in a defensive position — and when they can’t verify with 100% accuracy, they must DELETE. ⏳ Don’t wait. Dispute NOW, while the bureau is weakened. They’ll often delete questionable accounts faster rather than risk liability. 🔥 Knowledge is power — but timing is EVERYTHING.

Here are a few ideas..............................nothing new. Just reminders. 1. The fastest way to raise your credit score is paying down your credit card balances. As soon as you reduce your balance-to-limit ratio, your score instantly increases. If your balance is over 30% of the allowed limit, your score gets docked. If your balance is over 50% of the allowed limit, your score gets docked even more. If your balance is near the limit or maxed out, then you get penalized with a major decrease to your credit score. The optimal percentage to gain the most points is a balance-to-limit ratio of less than 10% according to FICO. Keep in mind the balance-to-limit applies to each credit card and applies to the sum of all cards. If your score is 640 or above you may be able to get a personal loan to pay down the utilization. 2. If you do not have the money to pay down your balances, call the credit card company and ask them to raise your credit limit. This accomplishes the same thing by lowering your credit utilization ratio. If you have been paying on time, they will usually agree, hoping you will spend more and owe them more in interest payments. You can do this every 6-12 month (and you should). 3. If you cannot pay down your balance or get a credit line increase, you might be able to redistribute some of the high balance cards to other existing cards with lower utilization. Be sure and stay under 30% on each card if possible. Keep the higher balances on the lowest interest rate cards. 4. If you have true business credit cards that do not report to personal credit bureaus, you can do balance transfers to these business credit cards. This will remove that amount off your personal credit and increase your scores dramatically. 5. Another unique way to increase your score is to report your Cell Phone, Rent, and Utility payments to the credit bureaus via a company called Level Credit (Now Self). Very few consumers know of this service. Utilize bills you are already paying. Build your credit without taking on more debt. https://www.levelcredit.com/how-it-works The cost is a onetime fee of $49.95 plus $6.95 per month. They will report to all three credit bureaus. Add up to 2 years of past payments. Build your credit fast! Rent Reporters is another way to report your rent and gain a valuable tradeline.

Consider this your personal invitation to join my Fast Track Capital Academy — a results-driven program designed to help entrepreneurs like you secure real funding, real fast. I’m Dan Ollman, a Certified Credit & Funding Expert with 20+ years of experience, and I’ve helped hundreds of business owners unlock capital and scale. Now, it’s your turn. https://www.linkedin.com/in/danollman/ Inside my Academy, you’ll get: ✅ Step-by-step, 1-on-1 guidance to build strong business credit with all three bureaus ✅ Access to your first $35K–$100K+ in cash credit lines—fast ✅ Proven strategies to secure 0% interest funding for 6–18 months ✅ True business credit under your Entity & EIN (not your SSN) ✅ Personal credit repair & enhancement to maximize your funding potential This isn’t just another cookie-cutter course. It’s a hands-on coaching program with custom strategies and 1-on-1 support—built for entrepreneurs who are serious about getting funded. Why choose this program? Because we don’t just teach theory. We focus on the three pillars of credit success: 1. Personal Credit Repair & Enhancement 2. Business Credit Establishment 3. Real Business Funding – Cash Credit Lines I PERSONALLY help all members so spots are limited. Most clients complete the program in just 3–5 months and walk away with the capital they need to scale. 👉 Don’t wait another day. Click below to join Fast Track Capital Academy and start building your funding pipeline now. 🔗 [Join the Academy Now] https://www.skool.com/fast-track-capital-academy-1577/about?ref=2c24e4c2909a456d8c58afea89d5f752 Let’s build. Let’s get funded. Let’s go.