What Is Business Credit
Learn what business credit is, who keeps business files, how they differ from personal reports, and how a business and its owner stay connected.
850 University
Build business credit and secure funding
Learn what business credit is, who keeps business files, how they differ from personal reports, and how a business and its owner stay connected.
Learn the basic business structures, why an EIN and business bank account matter, and how matching records and licenses help a business stand on its own.
Is Business Credit free on 850 University?
Yes β 10 of 14 lessons in this course are free with an 850ai account. Watch on YouTube anytime; create a free account to take quizzes and track progress.
How many lessons are in Business Credit?
This course includes 14 short video lessons, each followed by a quiz when you learn inside the 850ai app.
Can I dispute errors on my credit report after this course?
850 University teaches the concepts; 850ai can analyze your credit report and generate dispute letters when you are ready. Start free at my850.ai/landing.
Learn the strategy here, then let 850ai analyze your credit report and generate dispute letters tailored to your accounts.
Learn the records lenders and business bureaus match when they look you up, and how to make your name, address, phone, EIN, and web presence line up.
Learn what a DUNS number is and how to get one free, how the three business bureaus build files, and how to check and correct your business reports.
Learn how net 30 vendor accounts work, which ones can help start a business credit file, and how payment timing shows up once they report.
Learn what the Dun and Bradstreet Paydex score measures, how payment timing and dollar amounts shape it, and the habits that tend to build it.
Learn how store and fleet credit work for a business, how reporting varies by issuer, and why a personal guarantee may still be part of the deal.
Learn how business credit cards work, what a personal guarantee means for you, how reporting can reach your personal file, and what to read before signing.
Learn how term loans and lines of credit differ, how to match each to a business need, and how to compare costs, including factor rates.
Learn what underwriters generally weigh in a business funding decision: time in business, revenue, cash flow, credit, collateral, and honest documents.
Learn what funding without a personal guarantee really means, what lenders usually require first, and how to spot a no-PG scam.
Learn five habits that keep a business credit card useful: separate spending, pay in full when you can, watch utilization, space applications, and use rewards wisely.
Learn how a personal guarantee can affect your own credit and money, the kinds of guarantees, and how to read and track them.
Learn what funding stacking is, why it can backfire through inquiries, payments, and cash advances, and what a slower, honest plan looks like.