First Post for Building up Credit

💳 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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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12. Good Credit Makes You Rich — Bad Credit Makes You Pay Double

Bad credit = higher interest, denied loans, missed opportunities. Fixing your credit = the fastest way to unlock financial peace and funding freedom.

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