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Entrepreneurs must seek to build, maintain and acquire credit both individually and as business owners. Why is it important to build business credit? Well, I’m glad you asked. It’s important to build business credit if you’re trying to build and grow a company so that you want have to rely solely on your personal credit.
As a former banker, it has been my experience that most small businesses that I have come into contact with do not know about or truly understand how business credit is established and tracked, and how it affects their lives and businesses.
Let’s compare personal credit and business credit.
Personal Credit:
When an individual with a social security number accepts his first job or apply for a credit card, a credit profile is started with the personal credit reporting agencies. This profile is added to with every credit inquiry, credit application submitted, change of address and job change. Resultantly, the credit report becomes a statement of an individual’s ability to pay back debt.
The major personal credit bureaus that compile and provide copies of the credit reports are:
Trans Credit Union
Experian
Equifax
Business Credit:
When a business issues another business credit, it’s referred to as trade credit. Trade, or business, credit is the single largest source of lending in the world.
Information about trade credit transactions is gathered by the business credit bureaus to create ones business credit report using ones business name, address and federal/employer tax identification number (EIN). This information is typically collected by those issuing credit to determine if they want to grant you credit and how much credit they’ll provide.
The major business credit bureaus that compile and provide copies of the credit reports are:
Dun & Bradstreet
Experian Business
Equifax Business
Business Credit USA
Unfortunately, because the information provided to the business credit bureaus is sent in voluntarily, the credit bureaus may never receive all or even any information about your business credit transactions. As such, it is very important that you, at least, check your reports (business and personal) annually to ensure that the appropriate information is being reported. Although, typically, as a new business enterprise (i.e., startup or existing), you might expect that only your business credit report is used to determine business financing, trade credit etc., but many lenders and/or creditors, particularly if you do not have a business track record, will look at your personal credit. Therefore, it is vital to the entrepreneurial process that you keep your personal credit in good standing. In fact, as a business owner you would be wise to get a free credit report annually. Your annual free credit report can be obtained at www.freecreditreport.gov.
Next month we will explore the fine art ofEstablishing Business Credit.
Calvin Tucker
Calvin Tucker is the loan officer for WPFSI. His diverse experience ranges from small & large businesses, commercial & mortgage banking, business development, credit analysis, management, origination, servicing [domestic/ international], and more.
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Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$company_name is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$company_logo_id is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_represents is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$open_graph_publisher is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_publisher is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_author is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_published_time is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_article_modified_time is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$open_graph_enabled is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_images is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$twitter_card is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_card is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_title is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_description is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_image is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_creator is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$twitter_site is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$estimated_reading_time_minutes is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$canonical is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$main_schema_id is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
WordPress database error: [Table 'wpfsibackup001.yoast_wp_seo_models_indexable' doesn't exist] SELECT * FROM `yoast_wp_seo_models_indexable` WHERE `object_type` = 'home-page' LIMIT 1
WordPress database error: [Table 'wpfsibackup001.yoast_wp_seo_models_indexable' doesn't exist] SELECT * FROM `yoast_wp_seo_models_indexable` WHERE `object_type` = 'home-page' LIMIT 1
Deprecated: strlen(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/models/indexable.php on line 164
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_url is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$breadcrumbs_enabled is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$schema_article_type is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_name is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$site_represents_reference is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$id is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$schema_page_type is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$title is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$description is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 181
Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$schema is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64
Deprecated: Creation of dynamic property WP_Rocket\Optimization\Cache_Dynamic_Resource::$extension is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wp-rocket/inc/classes/optimization/class-cache-dynamic-resource.php on line 201
Deprecated: Creation of dynamic property WP_Rocket\Optimization\Cache_Dynamic_Resource::$minify_key is deprecated in /home/wpfsi1/public_html/wp-content/plugins/wp-rocket/inc/classes/optimization/class-cache-dynamic-resource.php on line 202 Skip to content
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