credit privacy number
1-800-597-2560
New Business Onboarding

New Business Onboarding Intro

We Handle Everything For You

Sit back and relax while we take care of the heavy lifting. Access all your essential business content and files anytime, anywhere — right from your phone through your secure business repository.

Business Dashboard Screenshots

Stay In Control, Without the Workload

While we complete our comprehensive 45-Point Compliance Checklist for you, we'll keep you in the loop on the items that matter most.

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We've got it covered. Our team handles the entire compliance process so you can focus on running your business successfully.
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Complete Documentation Manage your company with confidence, knowing that all critical documentation and compliance requirements are professionally handled and accessible whenever you need them.

Please complete the following form to the best of your ability. Any information you provide can be modified later if needed. Your input will help us establish a solid foundation for your new venture. Once you've submitted the form, we will review it and contact you to discuss the next steps before beginning your business development.

New Business Onboarding Form

You only need to fill out fields that have a red *

Please complete the following form to the best of your ability. Any information you provide can be modified later if needed. Your input will help us establish a solid foundation for your new venture. Once you’ve submitted the form, we will review it and contact you to discuss the next steps before beginning your business development.
Form Business On-boarding
Business Owner Name
Business Owner Name
First Name
Last Name
Regardless if we're using a Credit Privacy File or your SSN Credit Profile as the Personal Guarantor, the Businesses EIN will still need to be established with your (the business owners) SSN
Please format your date of birth like: January 1st 1980
Even though there will be multiple options to be able to get access to business credit & accounts without a personal guarantor we still need to understand which credit profile you will use for managing the company in the future
If you have already created a business phone number please provide it. If not we will create one for you and you can leave this field blank.
If you have already created a business address please provide it. If not we will create one for you and you can leave this field blank.
This is required to establish your new business address if you haven't done so already. Additionally, when you register a new business address using your home address on your ID with the office provider we set up for you, your privacy file data will not merge with your business information if you're using a credit privacy file as the guarantor for the business.
An example of a business email prefix would be: info@, support@ and so on

Maximum file size: 516MB

Provide any files or documents you feel are necessary to help us successfully manage your new business start-up. For example when registering with Duns and Bradstreet they request the articles of organization and another document associated with the business and business owner. Provide us any business documents that can help us continue building out your business if you have already started some of the duties required for your new business.
I understand I am assigned an Authorized Representative as well as a Business Development Manager to help answer my questions any time I require clarity about the service or any policy or procedure. By using our website, you acknowledge that you have read, understood and agreed to our Terms of Use, the contents of the Policy Menu and our Business Service Disclosure posted on our websites footer menu below. 
 

Frequently Asked Questions

Everything new business owners need to know about building business credit, ranked by what people search for most.

1 How do I build business credit from scratch?
Building business credit from scratch requires several key steps: First, establish your business as a legal entity (LLC or Corporation) and obtain an EIN from the IRS. Open a business bank account and get a dedicated business phone number listed in directories. Apply for trade credit with vendors that report to business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business. Pay all accounts on time or early to build a positive payment history. Our comprehensive service handles all these foundational steps for you, including LLC formation, EIN registration, and vendor account approvals to jumpstart your business credit profile.
2 What is a business credit score and why is it important?
A business credit score is a numerical rating (typically 0-100 for PAYDEX or 0-300 for Experian Intelliscore) that represents your company's creditworthiness. Unlike personal credit scores, business credit scores are public information that lenders, suppliers, and potential partners can access. A strong business credit score enables you to qualify for higher credit limits, better interest rates, and trade credit terms without personal guarantees. It separates your personal finances from your business, protecting your personal assets and credit profile.
3 What is a PAYDEX score and what score do I need?
PAYDEX is Dun & Bradstreet's proprietary business credit score ranging from 0 to 100. A score of 80 or higher indicates you pay bills on time or early and is considered excellent. Scores of 70-79 mean you pay within terms, while scores below 70 suggest late payments. To get approved for most business credit lines and favorable terms, aim for a PAYDEX score of 80+. Our program helps you establish reporting accounts that build your PAYDEX score quickly through strategic vendor relationships.
4 Can I get business credit cards for a new LLC?
Yes, you can get business credit cards for a new LLC, though the process requires proper foundation. New LLCs should first establish their business credit profile by getting a D-U-N-S number, opening net-30 vendor accounts that report to credit bureaus, and building payment history. Initially, most business credit cards will require a personal guarantee from the owner. However, with a properly established business credit profile, you can eventually qualify for business credit cards that don't check or report to personal credit. Our program guides you through this entire process systematically.
5 How long does it take to build business credit?
With a strategic approach, you can establish a basic business credit profile in 30-60 days and achieve fundable business credit within 90-120 days. Traditional methods can take 6-12 months or longer. Our accelerated program can help you complete all public commerce procedures and establish your business credit score with potential funding up to $10,000 in as soon as 5 weeks. The timeline depends on how quickly you establish vendor relationships and payment history.
6 What is the difference between personal and business credit?
Personal credit is tied to your Social Security Number and individual financial history, while business credit is linked to your company's EIN and business activities. Key differences include: Business credit scores use different scales (0-100 for PAYDEX vs. 300-850 for personal FICO). Business credit reports are publicly accessible while personal reports are private. Business credit limits are typically much higher. Perhaps most importantly, properly structured business credit keeps your personal credit separate, protecting your personal assets from business liabilities.
7 Can I get business credit with bad personal credit?
Yes, you can build business credit even with bad personal credit, though it requires the right approach. Business credit is separate from personal credit and tied to your EIN, not your SSN. Start with vendor accounts and net-30 trade lines that don't check personal credit but do report to business credit bureaus. As your business credit profile strengthens, you can access more financing options based on business creditworthiness alone. We offer solutions including hybrid credit structures using secondary credit numbers for entrepreneurs looking to rebuild while establishing strong business credit.
8 What are net-30 accounts and why do I need them?
Net-30 accounts are vendor credit arrangements where you receive products or services and have 30 days to pay the invoice. They're essential for building business credit because many of these vendors report your payment history to business credit bureaus. Starting with net-30 accounts from companies like Uline, Grainger, and Quill establishes your business credit file and demonstrates payment reliability. Our program includes approval for multiple trade lines and vendor accounts that report to all major business credit bureaus.
9 What documents do I need to start building business credit?
To build business credit, you'll need: Articles of Organization or Incorporation for your LLC/Corporation, an Employer Identification Number (EIN) from the IRS, a dedicated business bank account, a business phone number listed in 411 directories, a professional business address (not a P.O. Box for credit purposes), business licenses as required by your state/locality, and a D-U-N-S number from Dun & Bradstreet. Our comprehensive service handles all these documentation requirements, including LLC formation and EIN registration, so you can focus on running your business.
10 How much does it cost to establish business credit?
The cost to establish business credit varies depending on your approach. DIY costs include LLC formation fees ($50-$500 depending on state), EIN (free), D-U-N-S number (free), and annual registered agent fees ($100-$300). Professional services that handle everything can range from $500 to several thousand dollars. Our program is unique because we cover all startup fees for you, eliminating the financial barrier to entry. This includes LLC formation, EIN registration, website creation, SEO, press releases, and all foundational business credit building steps.
11 What is a D-U-N-S number and how do I get one?
A D-U-N-S (Data Universal Numbering System) number is a unique nine-digit identifier for businesses, issued by Dun & Bradstreet. It's required to establish a business credit file with D&B and is often needed for government contracts, grants, and many B2B transactions. You can request a D-U-N-S number for free at dnb.com, though expedited processing costs extra. The standard process takes 30+ days, while expedited takes 1-5 days. Our service includes obtaining your D-U-N-S number as part of the complete business setup package.
12 Can I get business funding without a personal guarantee?
Yes, it's possible to obtain business funding without a personal guarantee, but it typically requires an established business credit profile. Lenders offering no-personal-guarantee options look for: A strong PAYDEX score (80+), established business credit history (usually 2+ years), solid business revenue and cash flow, and industry-appropriate collateral in some cases. Our program helps you build toward this goal by establishing the foundational business credit profile that eventually qualifies you for financing without putting your personal assets at risk.
13 What business credit bureaus should I monitor?
The three major business credit bureaus you should monitor are: Dun & Bradstreet (D&B) - the largest and most widely used, tracking your PAYDEX score; Experian Business - provides Intelliscore Plus and Business Credit Score; and Equifax Business - offers Business Credit Risk Score and Payment Index. Additionally, some lenders use FICO SBSS (Small Business Scoring Service). We recommend monitoring all three major bureaus as different lenders check different reports. Our program establishes your profile with all major bureaus.
14 How does business credit affect my personal credit?
When structured properly, business credit should NOT affect your personal credit. Business credit accounts report to business credit bureaus (D&B, Experian Business, Equifax Business), while personal credit reports to consumer bureaus. However, there are exceptions: If you personally guarantee a business debt and default, it can appear on your personal credit. Some small business credit cards report to both personal and business bureaus. Sole proprietorships don't have the same separation as LLCs or corporations. Our program ensures proper business structure to maximize separation between personal and business credit.
15 What is business credit repair and do I need it?
Business credit repair involves correcting errors, disputing inaccuracies, and improving negative items on your business credit reports. You may need it if you have: Incorrect information reported by vendors, outdated negative items that should be removed, duplicate accounts or errors in your business information, or previous business credit issues you need to address. Unlike personal credit, business credit has no legal time limit for negative information. Our experts can assess your current business credit situation and recommend whether repair services or building new credit is the better path forward.
16 What is an EIN and why do I need one for business credit?
An Employer Identification Number (EIN) is your business's tax identification number, issued free by the IRS. It's essentially a Social Security Number for your business and is required for: Opening business bank accounts, applying for business credit cards and loans, filing business taxes, hiring employees, and establishing business credit profiles. Your EIN is what links all your business credit accounts to your company's credit file. Our service includes EIN registration as part of the comprehensive business formation package.
17 How do I check my business credit score?
You can check your business credit scores through each bureau: Dun & Bradstreet offers free basic reports through CreditSignal or paid monitoring through CreditBuilder; Experian Business provides reports starting at $39.95; Equifax Business offers reports starting at $99.95. Free alternatives include Nav.com which provides free D&B and Experian Business scores, and Credit.net for basic monitoring. Unlike personal credit, checking business credit doesn't hurt your score. We recommend checking quarterly at minimum and enrolling in monitoring services as your business credit grows.
18 What vendors report to business credit bureaus?
Key vendors that report to business credit bureaus include: For D&B - Uline, Grainger, Quill, Strategic Network Solutions, Crown Office Supplies; For Experian Business - Amazon Business, Staples Business, Lowe's Business; For multiple bureaus - Dell Business Credit, Office Depot, Home Depot Commercial Account. When starting out, focus on vendors that report to D&B since PAYDEX is the most widely checked score. Our program includes approval for trade lines from vendors across all major bureaus to build comprehensive business credit.
19 Can I use business credit for personal expenses?
Technically you could, but you absolutely should not use business credit for personal expenses. Doing so can: Compromise the liability protection of your LLC or corporation, create tax complications and potential IRS issues, violate the terms of your business credit agreements, weaken your business credit profile if audited, and blur the line between personal and business finances. Keep business and personal finances completely separate. This separation is crucial for protecting your personal assets and maintaining the integrity of your business credit.
20 What is trade credit and how does it work?
Trade credit is credit extended by suppliers and vendors, allowing you to purchase goods or services now and pay later (typically net-30, net-60, or net-90 terms). It works like this: You apply for a trade account with a vendor, get approved for a credit limit, make purchases, and pay the invoice by the due date. The vendor reports your payment history to business credit bureaus. Trade credit is often the easiest form of business credit to obtain when starting out, as many vendors approve new businesses. It's the foundation of building strong business credit.
21 How do business credit lines differ from business loans?
Business credit lines are revolving credit (like a credit card) where you can borrow up to a limit, repay, and borrow again. You only pay interest on what you use. Business loans are lump-sum financing with fixed repayment terms - you receive a set amount and pay it back with interest over time. Credit lines are better for ongoing expenses, managing cash flow, and flexibility. Loans are better for specific large purchases or investments. Building business credit qualifies you for both, typically at better rates than personal financing options.
22 What is SBA lending and do I qualify?
SBA (Small Business Administration) lending refers to loans partially guaranteed by the federal government, offered through approved lenders. They typically offer lower interest rates and longer terms than conventional business loans. To qualify, you generally need: A for-profit business operating in the US, demonstrated ability to repay, good personal and business credit, owner equity investment, and to have exhausted other financing options. While new businesses can qualify for some SBA programs, having established business credit significantly improves your approval odds and terms.
23 How do I establish business credit for an LLC?
Establishing business credit for an LLC follows a specific process: 1) Ensure your LLC is properly registered with the state; 2) Obtain your EIN from the IRS; 3) Open a dedicated business bank account; 4) Get a business phone number listed in directories; 5) Apply for a D-U-N-S number; 6) Open net-30 vendor accounts that report to business bureaus; 7) Use credit and pay on time or early; 8) Monitor your business credit reports regularly. Our comprehensive service handles steps 1-6 for you, giving you a complete foundation to start building immediately.
24 What is the Experian Intelliscore?
Experian Intelliscore Plus is Experian's primary business credit score, ranging from 1 to 100. It predicts the likelihood of serious credit delinquency over the next 12 months. Scores of 76-100 indicate low risk, 51-75 medium-low risk, 26-50 medium risk, and 1-25 high risk. Unlike PAYDEX which focuses solely on payment history, Intelliscore considers multiple factors including payment trends, credit utilization, business demographics, and public records. A strong Intelliscore combined with a high PAYDEX creates a robust business credit profile.
25 Can I transfer personal debt to business credit?
While you cannot directly transfer personal debt to business credit, there are legitimate strategies: Business credit cards sometimes offer balance transfers from personal cards (read terms carefully). You can use business financing to consolidate personal debts used for business purposes. However, be cautious - misrepresenting personal debt as business debt can have legal and tax implications. The better approach is to build business credit separately and use it for future business expenses while paying down personal debt separately. Our program focuses on establishing clean business credit from the ground up.
26 What is business credit insurance?
Business credit insurance (also called trade credit insurance) protects your business against non-payment by customers who buy on credit terms. If a customer defaults, goes bankrupt, or fails to pay within terms, the insurance covers a percentage (typically 75-95%) of the loss. It's particularly valuable for businesses that extend significant credit to customers. This differs from credit monitoring or identity theft protection. While not essential for all businesses, it becomes important as you extend more trade credit to your own customers.
27 How do I get approved for a business credit line?
To get approved for a business credit line, you typically need: An established business (usually 1-2+ years in operation), annual revenue meeting lender minimums (often $50,000+), a business bank account with consistent deposits, a good business credit score (80+ PAYDEX recommended), and depending on the lender, acceptable personal credit. For newer businesses, start with vendor credit lines and small business credit cards to build history. Our program helps you establish the foundational credit profile that leads to approval for larger business credit lines.
28 What is business credit stacking?
Business credit stacking is a strategy to maximize available credit by applying for multiple credit products in a strategic sequence. The approach involves: Building a strong business credit profile first, then applying for multiple vendor accounts, business credit cards, and credit lines in a planned order - often within a short window to minimize hard inquiries. When done correctly, entrepreneurs can access $50,000 to $250,000+ in combined business credit. However, this strategy requires proper foundation and timing. Our program establishes that foundation and guides you toward successful credit stacking.
29 Do I need a business website to get business credit?
While not technically required for all business credit applications, a professional business website significantly improves your approval odds and credibility. Lenders and vendors research applicants, and a website validates your business legitimacy. It should include: Your business name and contact information, description of products/services, professional design matching your industry, and ideally, an SSL certificate. Our comprehensive package includes creation of up to a 17-page custom website with SEO optimization and 4,500+ backlinks specifically to establish your business presence and credibility for credit purposes.
30 What happens after I complete the business onboarding form?
After completing our business onboarding form, our team reviews your information and contacts you within 1-2 business days to discuss your specific situation and goals. We then begin the comprehensive setup process including: LLC formation with your state, EIN registration with the IRS, D-U-N-S number application, business bank account guidance, website creation with SEO, press release distribution to 420+ outlets, social media setup, public records listings, and initial trade line approvals. Throughout the process, you'll have a dedicated Business Development Manager answering your questions. Most clients see their business credit score established within 5 weeks.

Ready to build your business credit the right way?

Complete the form above to get started. We cover all startup fees.

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Because you've gone through this website for your business build-out, you automatically received a $500 discount on the total business package, aside from any other discounts you received by being a returm member of our services. Our sister website charges $500 more for the base business buildout. Keep in mind the ponts of service mentioned on this website apply and not the reference to the points of service on startmybusiness.us. If you want additional services from startmybusiness.us that they provide there is an additional cost. Examples: Ad campaigns management, Automations etc..

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