💳 Credit Consulting Insights & Tips

Empower Your Personal & Business Credit Journey

Whether you're looking to repair your credit, build it from scratch, or leverage it for business growth—you’re in the right place. Below you'll find actionable tips and expert insights I use when working with clients to elevate both their personal and business credit profiles.

📌 Personal Credit Tips

✅ 1. Know Where You Stand

  • Regularly check your credit reports from all three bureaus: Experian, TransUnion, and Equifax.

  • Use tools like Credit Karma or AnnualCreditReport.com for free access.

✅ 2. Utilize Under 30% of Your Credit Limit

  • Keep your credit utilization low—ideally under 10%, but never above 30%.

  • Request credit line increases (without hard pulls) to help improve this ratio.

✅ 3. Never Miss a Payment

  • Payment history makes up 35% of your credit score.

  • Set up auto-pay or reminders to stay consistent.

✅ 4. Don’t Close Old Accounts

  • Older accounts help your average age of credit, a key factor in your score.

  • Even if unused, keep long-standing accounts open and in good standing.

✅ 5. Dispute Errors Aggressively

  • Errors happen—remove inaccuracies fast through online disputes or certified letters.

  • A clean report can boost your score quickly.

🏢 Business Credit Tips

💼 1. Establish a Legal Business Entity

  • Register an LLC or Corporation—this separates your personal and business credit.

💼 2. Get Your D-U-N-S Number

  • A D-U-N-S number from Dun & Bradstreet is crucial to building business credit.

💼 3. Open Business Accounts

  • Open a business checking account and get a business credit card (even a secured one to start).

💼 4. Vendor Accounts Matter

  • Apply for net-30 accounts with vendors who report to business credit bureaus (like Uline, Quill, Grainger).

  • Pay early to build solid payment history.

💼 5. Separate Finances, Always

  • Avoid mixing personal and business expenses.

  • Keep clean records—this also helps during tax season and loan applications.

👨‍💼 Want Hands-On Help?

I offer 1-on-1 consulting to:

  • Create a tailored credit repair or building plan

  • Help you get approved for funding (personal or business)

  • Guide you through removing negative items and establishing new lines of credit

🔐 Book a free consultation or check out my credit-building packages to get started.