http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/loansandlinesofcredit?view=discussions Most recent forum messages en Tue, 23 Dec 2008 03:03:35 GMT Clearspace 1.1.1 (http://jivesoftware.com/products/clearspace/) 2008-12-23T03:03:35Z en http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=53606&amp;tstart=0#53606 Ilya, that is some very good info right there <img class="jive-emoticon" border="0" src="http://smallbusinessonlinecommunity.bankofamerica.com/images/emoticons/happy.gif" alt=":)" /> Tue, 23 Dec 2008 02:27:41 GMT WannaDevelop http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=53606&amp;tstart=0#53606 2008-12-23T02:27:41Z Dec 22, 2008 10:03 PM http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=53554&amp;tstart=0#53554 <br /> A true business credit card is a line of credit that is taken in the name of the business, under the business' credit. Activity, whether good or bad, is reflected on your business' credit report through D&#38;B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.However, some companies out there offer "business" credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts - you are.When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business' credit, while avoiding creating problems with your own. <br /> <p /> <br /> Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for "strong business credit" (just like that in quotes) to find services that sell the information. <br /> <p /> <br /> Good luck, <br /> <p /> Ilya Bodner <br /> <p /> Small Business <br /> <p /> Owner Initial Underwriting Group Mon, 22 Dec 2008 18:59:48 GMT ilyab0dner http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=53554&amp;tstart=0#53554 2008-12-22T18:59:48Z Dec 22, 2008 6:26 PM 1 http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=53312&amp;tstart=0#53312 Hello,<br /> If I buy a business, can I get working a capital loan or a business line of credit with the credit score of the business, instead of using my personnal credit score? Does the business retain it's prior credit score? It's an S Corporation. Fri, 19 Dec 2008 21:21:15 GMT jamie.14_ http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=53312&amp;tstart=0#53312 2008-12-19T21:21:15Z Dec 19, 2008 6:51 PM 4