A score with one of the business credit bureaus means I have "perfect business credit"

This is simply not true, and was perpetuated by the low end do it yourself e-books and old members of TrueBuild when this was closer to being the truth in the early 2000's. Now more than ever, the most important facet of real business credit is your Experian Intelliscore which has a true scoring model similar to a FICO score. Secondly, a beginning "score" showing that a few small vendor accounts have been paid on time is the very beginning of true business credit ratings. All you have to do to obtain one is pay for three purchases on time for $50. To get fully rated and have balanced powerful business credit that can get results, which actually does matter, you will have to have many high dollar trades on ALL of the major business credit bureaus. There is a combination of factors that go into high dollar leasing and cash credit available based on these scores. So how is this done? With a real Program like TrueBuild.

Well you might be able to yes, but 18 years of experience lets us know that you will probably do more wrong than anything. Most small businesses will get a solicitation, pay a fee, get a few small trades and think they have good business credit. Then go to "commonly known office supply stores" and the like to take advantage of your shiny new business credit for the next step. This is the most common mistake and has serious consequences that will take months to fix. The same with low-end programs. Since anyone can get incorporated and buy from a few vendors, the assumption is that once you have this "perfect" business credit, Staples and Office Depot will be begging to give you credit, and it will work right? Wrong... years ago when bureaus started "selling" business credit themselves, underwriters, stores, B2B companies that offered terms, banks all had to learn the hard way as they were offering millions of dollars in NO-PG credit to companies. Non personally guaranteed credit extensions of any kind to small business's became MUCH harder to get approved and they became much more selective as to which bureaus they would use to grant business credit extensions. So what happens when you get declined and are baffled?... Well, you also just destroyed your most important bureau with inquiries. So we scratch our heads and repeat the same madness trying other places finding great lists online or using what seems to be common sense with our single faceted beginner "perfect" business credit. Ever heard of business credit cards from Lowe's, Home Depot? The list goes on and on and ALL of them use Experian. So can you build your Experian scores yourself? What about if you have a mistake, multiple files, or liens? Almost ALL clients that have tried have the same mistakes that we have to help unwind and sometimes takes months. Just buying from vendors, guessing, not having compliance done right or worse, making the mistake of thinking one of the bureaus with a "score" means we have "perfect" business credit and getting inquiries and declines. In 18 years, we have yet to see a "perfect" business credit score without some sort of mistake on the Experian files. How do you fix it? Well, that's why its a little harder to do it yourself. So, what are the other mistakes we make?

Well if you read the last FAQ, then you might understand a little more about why. So what is the first thing you should do? If you joined another service undoubtedly you are obsessed with your "perfect" one bureau "score" that you can't get approvals with. When you join TrueBuild the first thing we do is look at ALL of your bureaus together. That's why we have been in business so long, we need to get results and care about you the client not the same buzzwords and quick fix sales talk. Most likely if you don't even have some BASIC credit cards like gas cards, office supply cards, etc then you have issues with Experian and cannot get approved, much less move on into higher levels of credit.

Wrong.

Well one thing we hope they taught us in school, (but maybe they didn't) is that to have good credit you have to pay your bills on time. That should go without saying, but you cannot imagine the amount of clients over the years that think we can do miracles but cannot pay any credit extended to them on time. With that being said, if you have past liens, delinquencies, judgments, slow pays... TrueBuild is your one stop for all things Business Credit and we will either charge you a very minimal fee to have them removed or walk you through how to do it on your own as a member. Yes we can confidently say that no-one knows more about how to FIX business credit than we do. If you have an active corporation, and are not flagged as being a shelf corporation, then we can fix it for you. BUT you must pay your bills on time or you will be in a never ending cycle of bad business and probably personal credit.

Well let's say you have great personal credit, despite what you may read elsewhere we are going to tell you exactly how this works. Remember 20 years ago when we didn't know our FICO scores? Well your business has a combined FICO SBSS score. SO what is this score and how come there is all this hype about separating personal and business credit? Well they are separate and apart, BUT Fair Isaac has a model used by anyone and everyone that offers lines of credit over $100k to owners with less than $10 Million in revenue. Under $10 Million in revenue they want to know the owner's whole picture. So when we have a 750+ score with no business credit, we can get approved for "business" credit cards (really just personal cards with our business name on them fully approved by our personal FICO scores) for several maybe even tens of thousands, but that's it! Now bring the RAW data from ALL of the major Business Credit Bureaus into the equation that is handed over to Fair Isaac and Voila!.. You now know more than any branch banker that you will ever talk to. Yes the Harvard and Yale PhD's are pretty smart so in the boardrooms at Wells, Chase, or PNC, they use your Business FICO score to spit out $150k LOC's every month using this SBSS Liquid Business / Personal combination FICO score. Yes to owners, just like you, that know how this works and have good personal credit and fully rated business credit to back it up. Don't believe it? You can always check out Fair Isaac yourself but without a PhD, its a hard read HERE. So by joining TrueBuild and making sure your Business Credit is phenomenal, you can match up both sides of the pyramid and get approvals you could not dream of with your personal credit alone.

Well first off, we save money by not gambling and pay our bills. Meaning we are efficient and hire and train only the best. We are led by the best. In 2001 if you had "googled" business credit, there were literally 2 companies offering this service. You guessed it! We were one of them. The other sold his company for millions and is on an island somewhere. Thousands of sites have come and gone over the years, however, we offer a rock solid VALUE.

YES, you will have TONS of help, guidance, and we will work hand in hand with you every step of the way with a “business credit technician” that is just as excited about your success as you are. However, it is not a program that can be abused. If, as mentioned you don't pay your bills or credit lines that have been granted to your company, we CAN help, but you will have to make sure it doesn't happen repeatedly or we will have to cancel your program or offer an upgrade to an unlimited support program for more. Please pay your bills on time but more importantly don't blame TrueBuild if you can't, this is common sense and we are here to help small companies that are serious.

Yes you do! An EIN on its own can only get very limited results. We can assist you. However, remember that each state has their own timelines that we are not responsible for when getting incorporated. For example, here in California the process can take up to a few months. BUT once we have picked out your corporation name, you can and WANT to start getting basic approvals immediately as we wait for the official paperwork.

Well really? So when you put in your credit card information, what exactly does that mean? We are business owners we don't buy $5 "free" with shipping an handling vitamins and not expect our credit card to be hammered every month. That is why we assist and help you through this program. So that you understand the mistakes that 90% of owners make when trying to do this with bad information, an outdated program (It's 2020 by the way right now) or simple sales nonsense. We will help you get approved for every known credit line that is extended to companies without a personal guarantee in this country and to that end we spend more on research than any and every other company COMBINED, every month.

This is a guided program, but we reserve the right to cancel your program minus an admin fee of $295 at anytime if the service levels are abused. Why do we have to do this? Well, we need to help each and every client equally and it goes without saying that some want it ALL for nothing and can abuse the system or employees. So when we have to do disputes for bills not paid on time when building credit it is frustrating for everyone, BUT it can and does happen. We are humans and are here to help. Sometimes a select few clients may believe they know more than we do, so in these cases it is not worth anyone's time to argue the point or waste time trying to help.

Yes and NO. Simple disputes, merges, updates, and things that a normal company may need to make sure their business credit is polished and shining perfect are normal and we are glad to help. Tax Liens, Judgments, Major Issues, or Credit Issues that arise from approvals we get for you are a little more frustrating and difficult. Can we get these all fixed? Absolutely, but it will be an upgrade for extra levels of service, or if we need to do it all for you. This is just common sense, to have an actual EXPERT at your disposal that is educated both formally and intensive in house training costs real money, so use it WISELY.

In our industry, since we founded it and have been here since the beginning, we have seen some pretty ugly stuff come and go over the years. If a site (this is 100% true) pays for hundreds of fake testimonials, and they are very easy to pick out if you are in the industry, then how can you trust them? At their very core they lie so why would you want to do business with them? We have never once even considered paying to outsource to foreign countries for hundreds of paid for testimonials to pump up our reputation. Our clients and results are real. On the last look some companies have things like "Great Hotel, 5 stars ++", or "Amazing Purse love it 5 Stars!!!" Did they forget to tell Fiverr to make sure that these client testimonials were at least related to the business they were in, Business Credit? Things on the Internet are not as they always seem! We have a few complaints, with 40k clients and 19 years in business who wouldn't? But we take a long hard look at what we could do better and respond appropriately. Sometimes, as you might be able to attest in your own life, people can seem crazy but we do the absolute very best we can to deliver a no nonsense reality to building and getting business credit. We have found that as entrepreneurs we deserve the truth and nothing fake.

Well first, never completely let go of your personal credit, you will have to fix it someday. So even if your problems seem insurmountable, remember that time fixes all and although we hope business credit can give you a new lease on your entrepreneurial life, it certainly can LEASE what you need!! Cash credit is harder today than it was in the early 2000's when we could get you a 411 and a one bureau score with a few vendor purchases, and Key Bank would hand you $25k or Home Depot would give you a MasterCard for $30k. In today's real world, there IS cash credit, but you NEED a real and high horsepower program with the tools to achieve this. What you probably also need is what you haven't thought of yet. When we ask a client what would they DO with $50k, $100k or more, what is usually the answer? Well they need this...they need STUFF! Everything, yes almost everything, you will ever need to run a business, you can procure using business credit. A fully rated company can almost lease thin air. In real world terms this means that equipment, software, programming, websites, planes, trains, computers, auto, forklifts, trucks, cups, the office sink, we mean just about anything, can be leased with good business credit. You can lease a large office without risking your personal, you can lease almost ANYTHING. The one thing you can't do sometimes, is pay yourself as that needs cash. SO keep your cash flow tight to your heart because we want you to succeed and we have the real tools to help you within reality and reason.

How about 40 Ford Transit vans for hundreds of thousands, Big Rigs, $250k in servers, the list can go on ad infinitum. We have untold amounts of BASIC business credit cards from all the major gas stations, office supply companies, retail stores in the tens and hundreds of thousands EVERY SINGLE DAY!

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