Fifteen years of watching which files get funded and which get declined — written down plainly. No score promises, no miracle stories. Just what banks actually look at and what to fix before you apply.
It usually means one of two clocks: how long the business has operated, or how long its credit file has been reporting. Different problems, different fixes.
Read it →An excellent personal score clears one gate out of six. Here's what else a bank weighs, why the application hits your personal report, and what the denial letter owes you.
Read it →An EIN is a tax ID, not a credit file. Business scores sit on a D&B, Experian Business or Equifax Business file — and only once vendors report on you.
Read it →Mostly no, and here's exactly why. The SSN swap is fraud, the SBA 20% rule has a six-month lookback, and the business file is an on-ramp, not this month's money.
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