Free Tool · No Credit Check
Credit Improvement Plan
Get a personalized set of credit-building steps you can track as you complete them.
01Build A Credible Business Foundation
An LLC or corporation, in good standing with the Secretary of State.
It's free, and it's how lenders and bureaus identify your business.
Lenders often decline P.O. boxes. Keep the address consistent everywhere.
List it consistently with your business name and address.
An email on your own domain and a simple site build credibility.
Run all business income and expenses through it.
02Establish Business Credit
Dun & Bradstreet uses it to build your business credit file.
Helps verify that your business is real and active.
Choose suppliers that report payments to business credit bureaus, then pay early.
Payment history drives business credit scores.
03Strengthen Your Personal Credit
Check Equifax, Experian and TransUnion for errors and old accounts.
Lower balances relative to limits generally help your score.
You have the right to dispute errors. A credit repair service can handle it for you.
Get Help With Credit Repair(opens in a new tab)Space out new applications while you build.
04Monitor And Stay Ready
Check them regularly so surprises don't stall an application.
Statements, tax returns and formation documents, ready to go.
Ready For Real Options?
Pre-qualifying takes a few minutes, uses a soft inquiry, and shows the funding available to your business.
This free tool is for education only. It doesn't check your credit and isn't a credit decision, pre-qualification, offer or guarantee. Lenders set their own requirements, which vary by program.