Build Your Business Credit

Establish Business Credit Without Using Your Social Security Number

Yes, you can obtain credit approvals under your business without personally guaranteeing the credit application. There is a process to setting up your business properly so that lenders will automatically approve you for this type of credit. 

007 Credit Agent Business Credit Consultants Will:

  • Have your Business Setup Correctly so that you will not automatically get denied when applying for business credit.
  • Obtain your Duns and Bradstreet Number: this is important as it identifies your business to Duns and Bradstreet, which is the largest business credit bureau
  • Establish Net 30 Vendor Accounts because most businesses do not have any or sufficient trade accounts to build their business credit score
  • Apply for Business Credit without ever needing you to provide access to your personal credit report while still getting approved

Just as your personal credit needs credit accounts to start building a FICO score, your business needs vendor accounts in order to start building a PAYDEX score. Our agents will monitor your credit throughout this process to ensure you stay on track and get the financing you need for your business.

Business Credit You Can Get Approved For:

  • Retail Credit Cards these are store cards such as Dell, Amazon, Costco, Sam’s Club, Chevron, Home Depot, Lowes, Staples, Office Depot, and the best part is that you do not ever provide your personal credit as a guarantor.
  • Fleet Credit in case your business vehicles need repairs or just want to save on fuel costs.
  • Revolving Credit under the business once you have established initial business credit. These are Visa and Mastercard credit cards.
  • Business Auto Loans as businesses can purchase or lease vehicles under the business EIN number.

Business credit allows much higher credit limits than what you would get approved for on a personal credit card. 

Don’t let a bad credit history affect your company’s growth!

Whether you have to set up a new business or expand your current one, not everyone has the money or resources at their disposal to fully fund their business needs. To ensure that the company’s growth is never hampered by the lack of money to sustain it, companies obtain loans. As easy as it sounds, there’s one thing that can come in the way of procuring a loan for your business—and that’s business credit.

Just like you have a personal credit score, your business credits score is an accumulation of all the financial transactions your business was a part of. It keeps a record of a business’ financial responsibility and is a major factor in determining whether a company is reliable enough to do business with or lend money to.

As important as a business credit score, it’s ironic that 72 percent of small businesses don’t know how to interpret their business credit score—as such, they’re unable to increase the value of their company and face trouble with acquiring financing. If you’re in a similar situation, let an experienced business credit advisor help you out.

At 007 Credit Agent, we know that insufficient or delayed funding is one of the primary reasons why businesses fail, and we’re here to help you avert the crisis. We offer expert business credit repair services in Fullerton to ensure that your business credit is good enough to receive better interest rates, lengthy payment periods with lenders, better loan terms, as well as negotiation leverage.

Our business credit consulting helps you keep track of your business credit so we can get ahead of any inaccuracies such as missed payments or increased debt that may damage your company’s credit history.  We ensure that you pay your bills on time so other businesses and loaning parties can have more faith in your company when doing business with you.

Our business credit repair services include setting up your business to meet lenders and get initial trade credit to develop your business credit reports. We also set you up and activate your credit profile with Dun & Bradstreet, Experian, and Equifax Commercial to kick start your company’s progress.

In addition to that, our revolutionary Business Credit Builder can help you access various types of credits such as store business credit, fleet credit, cash credit, and auto vehicle financing so your business never has to face any hindrances in its day to day operations.

Hire our business credit advisor in Fullerton and benefit from our services today!

STEP #1

Build Business Credibility

We help you understand and meet the secret, unpublished, underwriting requirements that lenders and credit issuers have, so you’ll know you can get approved before you even apply.
We also assist you in setting up your email address, website, and ensuring you have the proper licenses and online listings that lenders and credit issuers look for, and avoiding restricted industry business names that will automatically get you red flagged and denied for credit and financing.
007 Credit Agent decodes credit issuer and lender approval requirements, so you’ll be able to get automated approvals when you apply for credit, instead of getting denied or facing an uphill battle with manual underwriting reviews. We do this by providing you these unique benefits in the first step of your business credit building process:
  • 411 Credibility Listing
  • EIN and Entity Setup Assistance
  • Business Name Credibility Check
  • Business Address Creditability Check
  • Business Phone Credibility Check
  • Website and Email Credibility Check
  • Business Bank Account Setup Assistance
We make it easy for you to setup your business credibly so you can get the most amount of credit and financing for your business.

STEP #2

Establish Business Credit Reports

Through our Business Credit Builder, we help you get setup and activate your credit profiles with Dun & Bradstreet, Experian, and Equifax Commercial, as well as access your free D-U-N-S number with D&B.
This way, you can monitor your business credit building in real time and receive email alerts when new accounts are added, monitoring your tradelines as they are added to your report.

007 Credit Agent helps you:

  • Get Setup with D&B, Experian, and Equifax
  • Access Experian Smart Business Data at No Additional Cost
  • Get Exclusive Business Credit Report and Score Training
  • Access Your Experian and D&B Credit Reports and Scores through Nav
Even one derogatory item on your business credit reports can get you denied for loans and credit cards. Your Business Credit Builder provides you an easy way to dispute and fix inaccurate and harmful information on your business reports with D&B, Experian, and Equifax, so you can have a strong business credit profile and score to get approved for the most money at the best terms.
We help you get setup initially with the business reporting agencies, fix credit inaccuracies, and monitor your business credit as you start to obtain HIGH-limit revolving credit and auto loans.

STEP #3

Get Initial Business Credit

Getting approved for initial business credit when you have none reporting now, is where most business owners fail building business credit. This is because over 97% of trade vendors don’t report to the business credit reporting agencies.
007 Credit Agent helps you obtain real useable credit with trade vendors who will give you EIN credit with no personal credit check, even when you have none reporting on your business reports now.
These trade vendors provide products and services you use now, and give you credit that helps you ease cash flow constraints. Here’s what you should know about the trade credit we help you secure:
  • Get Approved Even as a Startup
  • No Cash-Flow Requirements and No Bank Statements or Tax Returns Required for Approval
  • This Credit is Unsecured and There is No Collateral Required for Approval
  • Get Approved with No Personal Credit Check or Personal Guarantee
Your new credit reports to Dun & Bradstreet, Experian, and Equifax Commercial helping you establish your initial tradelines, reports, and scores with all three major reporting agencies, that are needed to start getting store, fleet, and cash credit.

If you do have good personal credit, you can also qualify for our Unsecured Business Financing program where you can enjoy:

  • Unsecured Cash Credit Lines up to $150,000
  • 0% Interest Rates for 6-18 Months
  • No-Doc Approvals where You Can Get Approved Even as a Startup
Whether you use our vendor accounts to build your initial business credit, or take advantage of our Unsecured Business Financing program, you’ll get your initial business credit profiles and scores established with D&B, Equifax, and Experian, so you can start to secure HIGH-limit revolving credit from stores as well as fleet and cash sources, without a personal guarantee or credit check.

STEP #4

Get Revolving Credit

Once your initial business credit is established, you’ll start to get access to high-limit revolving credit cards in your business name that are linked to your EIN number, not your SSN. This credit requires no consumer credit check, or personal guarantee for approval. You’ll be able to secure:
  • Store business credit with Dell, Apple, Walmart, Amazon, Costco, Sam’s Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most other major retailers
  • Fleet credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles
  • Cash credit including Visa and MasterCard accounts you can use in most locations worldwide
  • Auto vehicle financing to purchase or lease your primary vehicle or a fleet of vehicles, in your business name

Our Business Credit Builder helps you obtain credit with places like Amazon, Walmart, Dell, Apple, Costco, Sears, BP, Chevron, Sprint, and most other major retailers with individual credit limits of $10,000-$50,000. Plus, you can see each credit issuer’s underwriting guidelines, so you’ll know you can get approved before you even apply.

You’ll also get access to high-limit, revolving fleet credit cards you can use at multiple locations for all types of vehicle needs including vehicle maintenance, tires, fuel, even major repairs. Fleet credit helps you cover your individual auto vehicle expenses, as well as those that occur when managing a fleet of vehicles.

Plus, you’ll get access to high-limit, revolving CASH credit cards you can use at most stores worldwide. These Visa and MasterCard credit cards don’t require a personal credit check or a personal guarantee for approval, and allow you to take physical cash out of the cards.

And, through your finance suite, you can get approved for auto vehicle financing that doesn’t require a personal credit check or personal guarantee for approval. You can access multiple funding sources, and finance one or more vehicles in your business name with no consumer credit reporting.

We help you through the entire business credit building process for obtaining initial vendor accounts to start building business credit, to obtaining high-limit store and fleet credit cards, to getting approved for cash credit and auto vehicle financing, all of which requires no personal credit check or personal guarantee.

Setup Business Profile

The first step in establishing business credit is to ensure that your business profile is setup properly. Your business must have all the proper licensing and the right business structure from the start. Establishing your business will take time and the process cannot be rushed. 

During this crucial step, we will make sure all your filings are congruent such as state and federal filings. Lenders want to see on what day you established your business bank account. When choosing a business name you want to be conscious of the name you choose because certain names can get your automatic denials for many banking products.  

007 Credit Agent provides a checklist of lender and creditor automated approval requirements when applying for any type of financing. Does your business have a professional website and business phone number? There must be a physical business address. Your business entity must be open, active, and in good standing. Here are some of the most important factors your business needs: 

  • 411 National Directory Listing
  • Federal EIN matching State Filing
  • Professional Website and Email
  • Separate Business Phone
  • DBA: Any “doing business as” must be on all state/federal/banking records
  • Establishing a Business Bank Account

Activate Business Credit

After setting up a business profile, business credit reports must be activated with the three major business credit bureaus. Your Dun & Bradstreet, Business Equifax, and Business Experian reports need to active. Dun & Bradstreet is the world’s leading source of commercial information. Many suppliers, lenders, and leasing companies share and pull business credit reports from Dun & Bradstreet to assess the credit worthiness of businesses. 

As such you must obtain your Duns number under your business. We partner with NAV.com and through our partnership, we have obtained a discount on business credit monitoring. 007 Credit Agent business credit analysts will monitor your business reports and can dispute information harmful to your business. 

Equifax Business and Experian Business credit reports are activated and are setup to obtain a good credit score.

Net 30 Vendor Accounts

To start building business credit not associated with your personal credit report, we need to establish business credit accounts that report to the business bureaus. Most vendor accounts do not report payment history to the bureaus so it is important to use only accounts that will help build your business credit. 

We will setup net 30 vendor accounts that will report payment history to Duns & Bradstreet, Business Experian, and Business Equifax. These initial business accounts will prepare the business to get store and fleet credit. 

  • Initial Business Approvals without a Personal Guarantee
  • Net 30 terms for Business Accounts
  • Both New and Existing Businesses Approvals
  • No Business Financials are needed

Whether you use our vendor accounts to build your initial business credit, or take advantage of our Unsecured Business Financing program, you’ll get your initial business credit profiles and scores established with D&B, Equifax, and Experian, so you can start to secure HIGH-limit revolving credit from stores as well as fleet and cash sources, without a personal guarantee or credit check.

Get Revolving Credit

Once your initial business credit is established, you’ll start to get access to high-limit revolving credit cards in your business name that are linked to your EIN number, not your SSN. This credit requires no consumer credit check, or personal guarantee for approval. You’ll be able to secure:

  • Store business credit with Dell, Apple, Walmart, Amazon, Costco, Sam’s Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most other major retailers
  • Fleet credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles
  • Cash credit including Visa and MasterCard accounts you can use in most locations worldwide
  • Auto vehicle financing to purchase or lease your primary vehicle or a fleet of vehicles, in your business name

Our Business Credit Builder helps you obtain credit with places like Amazon, Walmart, Dell, Apple, Costco, Sears, BP, Chevron, Sprint, and most other major retailers with individual credit limits of $10,000-$50,000. Plus, you can see each credit issuer’s underwriting guidelines, so you’ll know you can get approved before you even apply.

You’ll also get access to high-limit, revolving fleet credit cards you can use at multiple locations for all types of vehicle needs including vehicle maintenance, tires, fuel, even major repairs. Fleet credit helps you cover your individual auto vehicle expenses, as well as those that occur when managing a fleet of vehicles.

Plus, you’ll get access to high-limit, revolving CASH credit cards you can use at most stores worldwide. These Visa and MasterCard credit cards don’t require a personal credit check or a personal guarantee for approval, and allow you to take physical cash out of the cards.

And, through your finance suite, you can get approved for auto vehicle financing that doesn’t require a personal credit check or personal guarantee for approval. You can access multiple funding sources, and finance one or more vehicles in your business name with no consumer credit reporting.

We help you through the entire business credit building process for obtaining initial vendor accounts to start building business credit, to obtaining high-limit store and fleet credit cards, to getting approved for cash credit and auto vehicle financing, all of which requires no personal credit check or personal guarantee.

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