Personal foundation
Two to three revolving accounts, one installment account, perfect payment history, and utilization under 10%. That combination reliably produces a 700+ profile within 12 months.
Then build the business file
Your business builds its own credit under its EIN — completely separate from your SSN. That ladder runs vendor credit, then store credit, then business credit cards, then cash funding, then lines of credit.
- Tier 1 — Vendor credit reporting to D&B and the commercial bureaus.
- Tier 2 — Store credit: Home Depot, Target, Walmart, Best Buy, Chevron, and more.
- Tier 3 — Business credit cards averaging $20,000–$40,000 each.
- Tier 4 — Business cash funding.
- Tier 5 — Lines of credit from $25,000 to $100,000+.
The Bottom Line
Our clients access up to $200,000 with the Installment program and up to $300,000 with Platinum — using their EIN, not their SSN.