How to Build Business Credit Separate From Your Personal Credit
Updated: October 2026. Rules and rates change; confirm with a professional or official source.
Business credit helps you qualify for better loans and terms without relying only on your personal score.
1. Make the business official
Register your business, get a free EIN from IRS.gov and open a business bank account. Keep business and personal money separate.
2. Get a D-U-N-S number
Dun & Bradstreet issues a free D-U-N-S number that helps lenders and suppliers find your business file.
3. Open accounts that report
Ask suppliers if they report payments to business credit bureaus. A business credit card can also help; many early accounts need a personal guarantee.
4. Pay on time and keep balances low
Payment history matters most. Pay by the due date and keep card use low.
5. Check your reports
Review your files at Dun & Bradstreet, Experian Business and Equifax Business for errors.
Avoid scams
Be wary of anyone who charges big fees or promises guaranteed business credit.
Also see the business loan calculator.
Try our free business calculators →