Running a business is difficult work. But don’t let your individual finances suffer. Stay on top of your personal monthly bills, stay clear of unnecessary credit inquiries, and avoid compromising your personal credit for company demands.

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During the pandemic, the number of credit disputes leading to relief dropped from 25% to 4.1%. This alerted the House Select Subcommittee on the Coronavirus Crisis that something was amiss.

But a poor personal credit score doesn’t just affect your personal finances and ability to borrow as a consumer. It also affects your ability to get small business loans. And it even affects some business credit scores.

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The SBSS score is becoming more and more popular with lenders. This could be a good thing, or it could be a bad thing. It depends. To be safe, you need to understand where the score comes from and how to make sure it is always a good thing for your business.

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The SBSS Credit Offer Index comes from of application data, known financial info, consumer credit bureau data, and business bureau data.

It returns a percentile ranking of the current request. So this is versus other small businesses of similar providers as well as the amount of money on request from those businesses.

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Business funding can be affected by your personal financing, but it doesn’t have to be a negative impact. Learn how your personal finances affect your ability to get business funding, and take control.

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