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Our blog posts provide free information for any business owner who wants to build or boost their credit.
Additional paid services are also available here for those who need assistance.


How to Add Trade References to your D&B Report
Most business owners don't realize that adding just one positive payment to their credit file can boost their scores and ratings by up to 90%, so just imagine how much you can boost your company's credibility if you have 5, 10, or more payments to add! Reach out to me directly if you want to add your existing payment history to your business credit report to boost your business credit scores and ratings.
Joy Greenwood
Mar 9, 20184 min read


The Truth About Using a Personal Guaranty on Business Credit
You're filling out a credit application. Everything is going along just fine until you get to that box at the bottom... You know the one — where you're being asked to provide a personal guaranty — and, suddenly, you hit the brakes. Why is it, when you are working so hard to separate your business credit from your personal credit, those suppliers or lenders wanting you to mix them all together again? Reach out to me directly if you want to boost your business credit scores
Joy Greenwood
Feb 14, 20184 min read


How to Avoid "Cookie Cutter" Credit
You probably already know the best way to build up your business credit is to add payment history. If you don't have any vendors or suppliers, you may try to use some of the more familiar trade lines offered up online. Unfortunately, this can lead to "cookie-cutter" credit where you end up with the same generic payment history as everyone else and nothing of substance that proves your creditworthiness. Believe it or not, using generic suppliers can actually do more harm than
Joy Greenwood
Jan 17, 20184 min read


How to Qualify for Business Funding
Most business owners have applied for corporate credit at some point, whether in the form credit cards, bank loans, alternative funding,...
Joy Greenwood
Jan 8, 20184 min read


What They Don't Tell You Can Hurt You
I guess it's just that time of year when deceptive advertising flows a little thicker, but I have been inundated with calls from...
Joy Greenwood
Dec 13, 20175 min read


Three Examples To Learn From
If you are working to build up your business credit scores and ratings, you may want to check out these three examples of clients who are...
Joy Greenwood
Nov 9, 20173 min read


How a Business Website and Email Address Impacts Credit Approvals
People always ask: "Is a business website and email required to build credit?" The short answer is "no", but there is a long answer,...
Joy Greenwood
Oct 27, 20173 min read


What do you need right now?
I know it may sound like a dumb question, but what are you planning to buy this week? What's on your shopping list right now? Ink or...
Joy Greenwood
Oct 19, 20172 min read


Why An 80 Paydex Is Not Enough
Its easy to meet the lowest possible requirements for getting a Paydex score. All you need is three payments in the D&B file. Anybody can do that. But there are actually five OTHER credit scores in the D&B arsenal. Achieving substantial (and sustainable) credit requires you to keep working and improving all six of the scores and ratings — and you can't do that if you don't have the knowledge and experience to accomplish that.
Joy Greenwood
Oct 6, 20175 min read


Six Key Reasons DnB Doesn't Identify Creditors (and how you can!)
Have you ever wondered who is reporting payment history into your corporate credit report? Believe it or not, it's not always easy to...
Joy Greenwood
Sep 20, 20173 min read


Managing Your New Vendor Accounts
When looking to establish trade lines for your small business, there are some hard and fast rules you want to follow, especially if you...
Joy Greenwood
Sep 7, 20173 min read


How A Hurricane (or any natural disaster) Can Impact Business Credit
Natural disasters (hurricanes, floods, tornadoes, etc) have become all too frequent around us, no matter what part of the country you are...
Joy Greenwood
Aug 28, 20173 min read


What Defines A Successful Business?
Years ago, my brother relayed a story about one of his customers. "Maria" he said, "makes the best tortillas you have ever tasted. No...
Joy Greenwood
Aug 15, 20174 min read


Why Business Credit Now Requires a Social Security Number
Are you one of those people who are reluctant to apply for business credit if you know you'll be required to attach your personal social...
Joy Greenwood
Jul 25, 20175 min read


Big Changes May Impact Small Business Owners
In case you haven't heard, the big 3 consumer credit bureaus are changing their ways. Experian, Equifax and Transunion have announced...
Joy Greenwood
Jul 11, 20173 min read


Banking on Your Business
If you are still trying to find easy ways to boost your business credibility, this one tip may mean a world of difference. One of the...
Joy Greenwood
Jun 23, 20174 min read


Using Trade Lines to Build Scores
It was a question I had answered a hundred times before, but somehow, it still left me shaking my head. "Can you help me get trade lines...
Joy Greenwood
Jun 7, 20175 min read


Is Your Creditbuilding Aggressive Enough?
Are you making progress in your quest for better business credit? If your company has paid for any products or services in the past 12...
Joy Greenwood
May 23, 20173 min read


Enhancing Your Payment History
By now, you probably already know that you need payment history to boost your business credit scores and ratings. What you might not...
Joy Greenwood
Apr 21, 20174 min read


Does A Home-Based Business Really Need Credit?
I guess the real question I should ask is "Are you planning to always be a small home-based business?" Or... "Do you plan on carrying...
Joy Greenwood
Apr 5, 20173 min read
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