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.
Four checks settle it, and seven structural tests work on a page you've never seen. What they promise, when they charge, what they hand you before you sign.
Read it →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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