Bad credit shouldn't be a dead end. We help business owners repair damaged credit, remove inaccurate items, and build a strong business credit profile — so you qualify for the funding you actually need.
These are two different things — and most businesses need both. Here's what each one does.
For business owners with negative items dragging down their score. We dispute inaccurate, unverifiable, or outdated items across all three bureaus on your behalf.
Build a separate business credit profile that doesn't rely on your personal score. Get your business fundable on its own merits with trade lines and vendor credit.
These are the most common credit problems we see — and fix — for business owners every day.
A single 30-day late payment can drop your score by 60–110 points. Inaccurate late payments are the #1 item we dispute and remove.
Highest ImpactUsing more than 30% of your available credit tanks your score. We create a paydown strategy and add tradelines to improve your ratio fast.
High ImpactA business with no credit profile is invisible to lenders. We build your file from scratch using vendors, trade credit, and strategic accounts.
Medium ImpactOld collections haunt your score for 7 years. We dispute, negotiate, and work to remove collections — especially inaccurate or unverifiable ones.
Medium ImpactMultiple loan applications in a short window signal desperation to lenders. We guide you on when and how to apply to minimize damage.
Lower ImpactUp to 34% of credit reports contain errors. Wrong account numbers, another person's debt — all disputable and often removable within 30 days.
Quick WinsResults vary based on your starting point, but here's what most clients experience.
We pull all three bureaus, identify every negative item, error, and opportunity. You get a written action plan with projected score improvements.
✓ Full report in handWe send dispute letters to Equifax, Experian, and TransUnion. Bureaus have 30 days to respond. Unverifiable items must be removed by law.
✓ First removals often appearEscalate unresolved disputes. Begin adding positive tradelines to build utilization ratio and account age simultaneously.
✓ +20 to +40 points typicalDUNS number established, Paydex score created, first Net-30 vendor accounts reporting. Business credit profile now visible to lenders.
✓ Paydex 80 target achievedWe review your full profile and match you with BBC's lending network. Most clients are ready for term loans, SBA, or lines of credit by this point.
✓ Apply for funding with confidenceWe dispute and build across every bureau that lenders use to evaluate your application.
Personal & business credit. Equifax Business is widely used by commercial lenders.
Personal + BusinessPersonal & Experian Business. One of the most commonly pulled bureaus by lenders.
Personal + BusinessPersonal credit bureau. Frequently pulled by banks, SBA lenders, and online lenders.
PersonalThe gold standard for business credit. Your Paydex score lives here. Critical for B2B credit and SBA loans.
Business OnlySBA uses the FICO Small Business Scoring Service. We optimize your profile specifically for SBSS scoring.
SBA CriticalUsed by many lenders as a supplemental data source. We review and address LexisNexis records that affect decisions.
SupplementalMost clients see meaningful improvement within 60–90 days. Quick wins (obvious errors, unverifiable items) can appear within 30 days. For comprehensive repair and building, plan on 4–6 months to reach funding-ready status. There are no overnight miracles — anyone promising instant results is lying to you.
We dispute items that are inaccurate, unverifiable, or reported in error — which covers more than most people realize. We also negotiate pay-for-delete agreements with creditors. Accurate, verifiable negative items are harder to remove, but we can help offset their impact with positive additions to your file.
Yes — but only if you've set it up correctly. Your business needs its own EIN, bank account, phone number, and address. Once properly established and linked to your D&B file, your Paydex score and business credit profile operate completely independently of your personal FICO. This is a game-changer for business owners.
Often yes. Revenue-based financing and MCAs can fund even with lower scores (500+). If you need capital now, we can match you with appropriate short-term options while your credit profile improves in parallel. The goal is to get you into better products at lower rates as your score climbs.
The consultation is free. Program pricing depends on the complexity of your situation — how many items need addressing, which bureaus, and whether you're doing personal repair, business building, or both. We'll give you a clear quote after the initial audit with no obligation to proceed.
Start with a free credit consultation. We'll pull your reports, identify every issue, and give you an honest roadmap — no obligation.