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Ask an Expert: Should I try to move a negative mark on my credit report to my business credit report?

Q: Should I try to move a negative mark on my credit report to my business credit report? Dear reader, Small business experts always recommend separating business from personal finances so you don’t have to rely on personal credit to finance your business. Also, keeping them separate can help you prevent business liabilities affecting your personal life. Still, this can be tricky to do for small business owners. As you’ve experienced, …Read More

Ask An Expert: What are the credit bureaus?

The credit bureaus are agencies that collect, keep, and maintain consumer’s financial information. They also share and distribute this information in the form of credit reports. There are several credit bureaus or consumer reporting agencies in the U.S., but the most well-known are Equifax, Experian, and TransUnion. These agencies collect and receive information from credit card companies, lenders, collection agencies, and other businesses who have pre-arranged business relations with them. …Read More