Before 2007, when bureaus were "selling" business credit, underwriters, stores, banks all had to learn the hard way that offering millions of dollars in NO-PG credit to companies was bad for business. No personal guarantee credit extensions became much harder to get approved. The lenders became much more selective when granting business credit extensions. When one gets declined (by not using our Vendor Lists), one will also destroy their business credit rating due to inquiries. The reason, business credit cards from Staples, Walmart, Lowe’s, Home Depot (the list goes on forever), ALL report to Experian. Building an Experian score without help is virtually impossible unless one has done it before successfully.