Rules
What the FCRA does not cover in business credit disputes
This credit guide explains which FCRA dispute rights reach business credit files and which fall to the CFPB, state law and bureau policy instead.
Desk
Policy Desk
Regulation, licensing and the obligations that apply to business credit and tradelines.
Rules
How Illinois and Georgia rules change business credit disputes
Credit tradeline disputes in Illinois and Georgia run on state statutes that add duties and timelines federal law leaves to consumers under the FCRA.
Guides
Delaware registration and your business credit file, explained
Business credit and tradelines: how a Delaware incorporation, registered agent address and franchise tax record reach Dun & Bradstreet, Experian and Equifax files.
Guides
How an EIN from the IRS separates your business credit from your SSN
Business credit and tradelines split from your SSN only when the IRS EIN, vendor W-9 reporting and D-U-N-S records all point to one identity.
Reviews
Secured business credit mistakes to catch before you sign
Secured business credit mistakes to catch at signing: the pledge, the deposit, what the security reaches, a stacked guarantee, and reporting and release terms.
Features
Net-30 accounts and five other ways to move a payment date
Net-30 accounts set beside five other ways to move a payment date: who provides the time, how each recovers its cost, and what each needs from you first.
Reviews
The float and the discount: what net-30 accounts examples reveal
Net-30 accounts examples: four invented businesses showing what the float is worth, when a discount beats it, and why terms can be withdrawn mid-season.
Industry
Vendor accounts services compared: Nav, D&B, Credit Suite and five questions to ask
Vendor accounts services sell lists, applications and setup as one bundle. This guide names Nav, Dun & Bradstreet and Credit Suite with the prices found, lists the free help and gives five questions to ask before you pay.
Guides
Sorting a year of credit monitoring alerts into four piles
Credit monitoring review by counting last year's alerts: sort them into four piles, read what the piles say, and decide what to pay for next year.
Rules
Vendor accounts: working out what the float and the discount are worth
Vendor accounts arithmetic, computed here on invented figures: this page has no calculator. What the float is worth, and what declining a discount costs.
Features
Which credit monitoring services are actually worth paying for in 2027?
Which credit monitoring services earn a subscription in 2027, what each one watches, and where the money is better spent pulling your own files.
Reviews
Credit bureaus services, seen from the other side of the report
Credit bureaus services are usually described from the wrong side. What a report on a customer can and cannot tell you, and how to pick the right product.
Features
Credit bureaus review claims: how to vet them
Credit bureaus review claims come in the bureaus' own vocabulary. Learn how to test each claim, who to ask, and what a fair offer actually states.
Industry
Tradelines mistakes sorted by the false belief behind each one
Tradelines mistakes sorted by the false model that produces each one, from assuming an account reports to buying somebody else's payment history.
Reviews
Credit foundations comparison: routes to a first account
A credit foundations comparison of three routes to a first business account and the six setup choices each one tests, with the questions to ask in writing.
Industry
The five structural axes of a business credit card, liability first
Five structural axes for judging a business credit card: liability, repayment, security, reporting and control, with rewards weighed last, not first.
Industry
Business credit disputes examples with the reasoning laid bare
Business credit disputes examples: four invented corrections, two that worked, one that was slow for a reason, and one that should never have been filed.
Rules
Business Credit Disputes Checklist for Incorrect Entries
Business credit disputes checklist for incorrect business-report entries: identify the wrong field, gather proof, submit a correction, and record the outcome.
Guides
What a serious credit cards checklist covers
Credit cards checklist to work through with a pen: what to gather, six questions to put to the issuer in writing, and the clauses to find in the agreement.
Rules
Business Credit Scores Mistakes: Nine Misreadings
Business credit scores mistakes often start with confusing bureau files, score models, and tradelines. See nine misreadings and what to check before acting.
Industry
5 points on business credit scores rules that matter
Business credit scores rules live in four separate rulebooks. How to tell which one governs your question, and where to check each one directly.
Maintenance
Credit foundations checklist for a new business: entity, money, records
A credit foundations checklist for a newly formed company: what to file, how to keep money apart, which records to hold and what to look up before applying.
Costs
Credit foundations examples: four assumptions to test early
Four credit foundations examples where an untested assumption damaged a business file, each with the call, search or document that would have caught it.