The Ultimate Guide to Credit Repair & Business Funding for Entrepreneurs

Whether you're recovering from a low credit score or trying to get business funding to launch your dream, the key is strategy—not guesswork. At 700CreditScores.com, we specialize in helping you rebuild, repair, and rise. In this guide, you'll learn how to fix your credit score fast, unlock funding opportunities, and avoid common mistakes that keep most people stuck at the bottom.

📌 Want expert help to fix your credit or secure business funding? Book a free consultation now to get started with a custom credit strategy.

💳 Understanding the Credit Score Game

Your credit score is more than a number—it's your financial passport. Whether you’re applying for a business loan, credit card, or personal line of credit, lenders will look at your score before saying “yes.”

What Factors Impact Your Score?

• Payment History – 35%

• Credit Utilization – 30%

• Credit History Length – 15%

• New Credit – 10%

• Credit Mix – 10%

Why a 700+ Score Matters

A 700+ score doesn’t just give you bragging rights—it unlocks:

• Lower interest rates

• Higher credit limits

• Easier business loan approvals

• Better lease/rental opportunities

🔧 How to Fix Your Credit Score Fast

Fixing your credit score starts with the right steps—not shortcuts.

Step 1: Pull Your Credit Report

Get reports from Experian, Equifax, and TransUnion. Look for errors, duplicates, or outdated accounts.

Step 2: Dispute Inaccuracies

Dispute any incorrect or outdated items. Many reports include:

• Wrong personal info

• Accounts that don’t belong to you

• Outdated collections

Step 3: Pay Down Revolving Debt

Aim for credit utilization under 30%. Focus on paying off high-balance cards first.

Step 4: Don’t Close Old Accounts

Older accounts help your credit age—so keep them open and active.

Step 5: Build New Positive Credit

Use secured credit cards, credit builder loans, or become an authorized user on a family member’s card.

📌 Struggling to remove negative items or rebuild credit? Book your free credit consultation and get expert guidance tailored to your situation.

💼 Credit Advice for Entrepreneurs: Business Credit vs Personal Credit

Building business credit is just as critical as personal credit—especially if you plan to apply for funding or scale your company.

Key Differences:

Personal CreditBusiness CreditTied to SSN or ITINTied to EINAffects personal borrowingAffects business borrowingBased on FICOBased on Paydex & business credit bureaus

🏦 How to Get Business Funding with Good (or Fair) Credit

Getting business funding is easier when your credit is strong—but you don’t always need a perfect score.

Types of Business Funding:

• Business Credit Cards – Some accept ITINs and new LLCs

• Lines of Credit – Revolving funds based on revenue

• Term Loans – Fixed payments over time

• Invoice/Contract Financing – Get paid upfront for work

• Merchant Cash Advance – Based on daily card sales

Minimum Requirements Most Lenders Want:

• 3+ months in business

• Monthly revenue of $3K+

• Credit score above 600 (higher = better rates)

• Business bank account

📌 Want to explore your funding options or get pre-qualified? Click here to book a free strategy session.

⚠️ Common Credit Repair Mistakes to Avoid

Even with the best intentions, many people make mistakes that can cost them years of progress:

• Disputing Accurate Info (hurts your credibility)

• Closing Old Accounts (lowers your average age)

• Applying for Too Much Credit (creates hard inquiries)

• Falling for Credit Repair Scams (never pay for promises, only results)

Work with a reputable team like ours at 700CreditScores.com—we help you clean up your credit legally, fast, and effectively.

📍 Local Credit Help: Los Angeles, Houston, Miami & Nationwide

While we serve clients nationwide, our services are particularly popular in:

• Los Angeles, CA

• Houston, TX

• Miami, FL

• Phoenix, AZ

• Atlanta, GA

We understand local lender expectations and offer region-specific support for entrepreneurs and consumers looking to build or restore credit.

✅ Why 700CreditScores.com?

• 🛠️ Expert Credit Repair

• 💳 Business & Personal Credit Building

• 💰 Funding Access from $5,000–$100,000+

• 🇺🇸 U.S.-Based, Bilingual Support

• 🧠 Backed by Hilario Huizar and the trusted brand @ instagram.com/hilariohuizar

📆 Ready to Build or Rebuild Your Credit?

Whether you’re just starting out or recovering from past financial challenges, we can help you reach your goals faster—with confidence.

📌 Book your free consultation today and let us help you build your path to 700+ and beyond.