This is no longer true—it was a myth spread by old DIY e-books and early members back in the 2000s. Today, real business credit starts with your Experian Intelliscore, which works much like a FICO score. A few small vendor accounts paid on time may get you a basic rating, but true, powerful business credit requires multiple high-dollar trade lines across all major bureaus. These scores directly impact access to large leasing and cash credit lines. The only way to build this properly? With a real program like W.O.C.

Sure, you might try to build business credit yourself, but after 20+ years of experience, we know most small businesses get it wrong. They pay a fee, add a few small trades, and think they’re set—only to get declined when applying at office supply stores or with major lenders. That mistake can damage your Experian file with inquiries that take months to fix.

The truth is, non–personally guaranteed credit has become much harder to secure. Nearly all major lenders, from Home Depot to Lowe’s, rely on Experian. If your file has errors, multiple profiles, or compliance issues, you’ll get declines and setbacks—not “perfect” business credit. In fact, we’ve never seen a flawless Experian file built DIY.

That’s why guessing, chasing lists, or relying on low-end programs doesn’t work. Building true business credit takes strategy, compliance, and expertise—and that’s exactly what Fundabl delivers.

If you’ve joined other services, you’ve probably been chasing a “perfect” one-bureau score that never gets real approvals. At Fundabl, we take a different approach—we review all your business credit bureaus together to uncover what’s really holding you back. That’s why we’ve lasted so long: we focus on results, not buzzwords or quick-fix sales talk.

If you don’t even have basic credit cards like gas or office supply cards, chances are you’ve got Experian issues. Until those are fixed, you won’t get approvals—let alone move up to higher levels of credit.

Wrong.

The first rule of credit is simple: pay your bills on time. You’d be surprised how many business owners expect miracles while missing payments. If you’ve got past liens, judgments, delinquencies, or slow pays—Fundabl is your one-stop solution for fixing business credit. We charge only a minimal fee to remove issues or guide you step by step as a member. No one knows more about repairing business credit than we do. If you have an active corporation (not flagged as a shelf company), we can fix it—but remember, if you don’t pay on time, you’ll stay stuck in a cycle of bad business and personal credit.

The first rule of credit is simple: pay your bills on time. You’d be surprised how many business owners expect miracles while missing payments. If you’ve got past liens, judgments, delinquencies, or slow pays—Fundabl is your one-stop solution for fixing business credit. We charge only a minimal fee to remove issues or guide you step by step as a member. No one knows more about repairing business credit than we do. If you have an active corporation (not flagged as a shelf company), we can fix it—but remember, if you don’t pay on time, you’ll stay stuck in a cycle of bad business and personal credit.