Find answers to your questions about credit repair, business credit, and business funding.
Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports to improve your credit score.
You can pull your credit report for free once a week from all three bureaus at annualcreditreport.com — the only federally authorized source.
Most negative items remain on your credit report for 7 years. Bankruptcies can stay for up to 10 years.
Credit utilization is the percentage of your available revolving credit you are using. It accounts for 30% of your FICO score.
You can dispute inaccurate items by sending a formal dispute letter to the credit bureau, online through their dispute portal, or by contacting the original creditor directly.
Secured credit cards require a cash deposit as collateral and are one of the most reliable tools for building or rebuilding credit from scratch.
Personal credit is tied to your SSN and affects your individual borrowing ability. Business credit is tied to your EIN and your company's financial profile.
A DUNS number is a unique 9-digit identifier issued by Dun & Bradstreet that is required to build business credit and access government contracts.
Net-30 accounts are vendor credit lines where payment is due within 30 days. They are the fastest way to build business credit without a personal credit check.
The Paydex score is Dun & Bradstreet's business credit score (1–100). A score of 80 means you pay on time; above 80 means you pay early.
Most businesses following the Funding Ladder framework can access $50,000–$150,000+ in business credit within 9–12 months.
The 90-day deposit strategy involves maintaining a $5,000–$10,000 average balance in your business bank account for 90 days to qualify for business lines of credit.
SBA loans require at least 2 years in business, a personal credit score of 680+, documented revenue, and a solid business plan.
Business credit card approval depends on your personal credit score, time in business, and business credit history. Most cards require a 680+ personal score.
Creditrack is a modern credit repair and business funding platform that helps individuals and business owners organize their credit journey, dispute negative items, and access funding.
The dashboard includes credit score tracking, dispute management, document storage, goal setting, score impact simulation, and daily action steps.
Take our free 5-minute assessment and get a personalized action plan for your credit situation.
