💳 12 Scroll-Stopping Credit Repair Tips for Business Owners 1. Your EIN Is Not a Magic Wand — Build It Like a Boss Just because you have an EIN doesn’t mean you have credit. You have to build your business credit from scratch—just like personal credit. ⸻ 2. Stop Using Your Personal Credit to Fund a CEO Lifestyle Mixing business with personal? That’s risky. Separate your finances, get a business bank account, and protect your personal credit score. ⸻ 3. Late Payments Kill Business Dreams A single late payment can tank your score for 7 years. Set up autopay or weekly payment reminders—your business depends on it. ⸻ 4. Dispute Everything Holding You Back Old collections? Incorrect addresses? Duplicate accounts? Dispute them. Don’t be afraid to challenge the system with factual evidence. ⸻ 5. Secure 3 Net 30 Accounts Today — Not Tomorrow If your business isn’t reporting to D&B, Equifax, or Experian Business, you’re invisible. Start with vendors like Uline, Grainger, and Quill. ⸻ 6. Fixing Credit ≠ Free — But It Pays You Back Investing in credit repair software, coaching, or done-for-you letters can save you thousands. $50 today can unlock $50,000 tomorrow. ⸻ 7. Business Credit Isn’t Built with Emotion — It’s Built with Strategy No more guessing. Use a plan: fix personal credit → build business credit → apply for funding → grow the brand. ⸻ 8. 90-Day Payoff Plan > Carrying Debt for Years The longer you carry balances, the more interest you pay. Pay down your credit cards using the snowball or avalanche method. ⸻ 9. Don’t Let Hard Inquiries Play You Too many applications = credit score suicide. Be strategic. Know your score and only apply when you’re 90% confident you’ll be approved. ⸻ 10. Check Your Business Credit Monthly Like a CEO You wouldn’t ignore your bank account. Don’t ignore your credit. Use Nav or Credit Signal to monitor progress & alerts. ⸻ 11. Start with a Secured Business Card, End with a Black Card No credit? No problem. Start with a secured business credit card, build history, and level up to high-limit corporate cards.