Personal & Business Credit: How They Connect

Most small business owners find out the hard way that personal and business credit are not separate worlds. Lenders pull your personal score to underwrite a business loan, personal guarantees follow you onto business accounts, and a thin business credit file sends everything back to your SSN. This Launch & Learn walks through how the two systems actually work: what goes into a personal FICO score, how business credit files are built at Dun & Bradstreet, Experian Business, and Equifax Business, and where the two intersect. You will leave knowing how to establish business credit under your EIN, which accounts report and which do not, how to protect your personal score while you grow, and what to fix first if credit is standing between you and capital.