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"Lets Talk Credit"

Personal Credit - Your personal credit history is a record of how you've handled debt, including credit cards, mortgages, and other loans. 

Business Credit - A business credit profile is a characterization of your business's credit history that establishes its ability to borrow. Your business credit score is a reflection of your business's creditworthiness and influences your access to credit products such as credit cards and loans.

Since business and personal credit files are separate, it's possible to establish strong business credit even if you have a low personal credit rating. Having an EIN allows creditors and credit bureaus to track your business's income and payment history separately from your personal financial history. An EIN is essential if you're a sole proprietor learning how to build business credit without using personal credit. 

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