Whether you sell groceries, houses, newspapers, slacks, cars, cupcakes or cannabis, the details of your business are as intricate and individual as the fingerprints on your front door glass. While you might share similar types of suppliers based upon your industry, you'll likely use a different plumber, or advertise in a different market, or buy your business cards from a different printer. Reach out to me directly if you want to add your existing payment history to your bus

If there is even the slightest possibility your business credit application's approval could render access to cash (hard currency), lenders are now required to perform certain processes to validate the identity of the principal whose name appears on the application. While the goal is to separate your personal CREDIT from your business, when it comes to identity verification, you don't have the option of separating your personal IDENTITY from your business.

D&B's primary focus is NOT on making your business more credible or creditworthy, but rather to protect the financial interests of THEIR customers — the banks, credit card companies, major retailers, insurance carriers, and high-value suppliers who spend millions of dollars each year pulling credit reports on your business. Boosting your business credit scores and ratings is your job. Reach out to me directly if you would like help reaching that goal.

Did you know that you can have a hand in crafting how your business is represented in your D&B report? After all, you — more than anyone...

Hindsight is always 20/20, which is why most successful small business owners say their biggest mistake was using personal credit to...

Some credit enhancement companies will try to talk you into using the same old cookie-cutter creditors they use on all their other clients. I encourage my clients to save time and money by submitting their existing vendors and suppliers to D&B. When those creditors provide strong responses to D&B's questions, their answers will carry a heavier weight, accomplish ten times more in the creditbuilding process, and can usually get your credit file built out in just a fraction o

Adding just one vendor to your D&B file has the potential to boost your scores and ratings by up to 90%. What most small business owners don't realize, though, is that choosing which vendors you can use to get payment habits reported to the business credit bureaus isn't as hard as you might think, especially if you consider that even small mom-and-pop shops, contractors, and suppliers right in your own neighborhood are often among the most beneficial to your scores and rating

f you want your existing payment history to get added to your D&B file, it's actually pretty simple — but ONLY if you know what you are doing, how and when to do it, and you have the time and determination to track your progress on a daily basis. For all you Do-It-Yourself'rs out there, here's my: Step-by-Step Guide To Adding Vendor Payments To D&B. Reach out to me directly if you want to boost your business credit scores and ratings.

Manually added payment history stays in your D&B report for 24-28 months, but history that flows in from auto-reporters can drop out of your report in half that time if you don't re-use the accounts at least once per year. Making a new purchase from your existing vendors once per year is good business, and for more reasons than you think. Reach out to me directly if you want to boost your business credit scores and ratings.

Small businesses open new accounts and get approvals for commercial credit every day. So does it really matter if you have D&B scores and ratings in place before you apply? I guess that depends on whether you are content with the approvals you're getting, or if you would rather get exactly what you asked for! Reach out to me directly if you want to boost your business credit scores and ratings.

Did you know you can have 1000 payments in your D&B credit report and still not have a full D&B rating? All the payments in the world won't mean a thing if D&B doesn't consider your company to be a viable enterprise. In fact, they may even block your vendor payment history from flowing into your file if your rating isn't complete. A missing D&B rating can stymie your company's creditworthiness. Reach out to me directly if you want to boost your business credit scores and r

For those who think all you need to do to qualify for business funding is an 80 Paydex score... think again! An 80 Paydex score is easy to achieve — requiring just three on-time payments to three different suppliers that will report to D&B. But the Paydex is just one of six scores and ratings in your company's credit profile, and there are a lot more factors impacting the other five. Reach out to me directly if you want to boost all of your business credit scores and rating

When you're first starting a business and income is limited, you need to pinch every penny and make sure you're spending every dollar as wisely as possible. For most small business owners, that starts in the decision about how you're going to structure your business, because the last thing you want to do is cripple your new company and destroy your own personal FICO scores in the process. The pennies you pinch here could cost you a fortune later.

And how! We are really seeing exciting results right now! There are so many ways to build the business credit, boost scores and...

There are two questions I ask my clients more than any others: What was the last thing you purchased online? What are you shopping for...

There are some credit consultants who tell their clients to use a virtual address so they look more corporate or professional. Unfortunately, what they don't tell their clients is that trying to pass off a virtual address or mail-drop location as a physical address can actually cause more harm than good. Using a virtual address can actually corrupt your corporate data and make your business appear less credible. Reach out to me directly if you want to understand why.

How many vendors does your company utilize over the course of a year? Depending on what type of business you have, that number could...

Nine times out of ten, adding your own existing payment history to your business credit report is going to be far more beneficial than following someone else's cookie-cutter roadmap. If you have already been paying bills and making purchases in your day-to-day operations, those transactions are the ones that are going to say more about your company's capability and credibility than any cookie-cutter tradelines ever will. Reach out to me directly if you want to boost your busi

He called in for a free consultation late on Friday afternoon. I could tell right away that he was trying to pull a fast one, wanting me to help him "buy trade lines" for his "aged business entity" so he could get payment history into a D&B report he had created for a shelf corporation, but I wasn't buying it. So I asked him point blank — "Does your company actually sell smoke and mirrors? Or does it just look that way?"

As you may have noticed, much of the training I provide focuses on the importance of adding payment history to your corporate credit report as a means of boosting your scores and ratings. But today, I'd like to provide a little insight into what a huge difference you can make when you add the right kinds of vendor and supplier payment history to your commercial credit report. Your company's creditworthiness is one of the most important representatives you have.