http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/startingabusiness?view=discussions Most recent forum messages en Sun, 19 Oct 2008 00:46:39 GMT Clearspace 1.1.1 (http://jivesoftware.com/products/clearspace/) 2008-10-19T00:46:39Z en http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43633&amp;tstart=0#43633 <br /> I disagree with this statement: "To have acces to unsecured funds you need to build a business credit separate from your personal credit." To have access to unsecured funds you need to strong personal credit. If you want significant unsecured funds (let's say $50k+), you need to have a legitamately profitable business. This means you own a business, you run that business, and it is profitable.<br /> <br /> D&#38;B reports are used primarily to detect negative information, and I have NEVER held it against an applicant because their D&#38;B lacked info. One bank that I worked for didn't even run D&#38;Bs because they were useless in most cases.<br /> <br /> If you want to get a credit line, spend your time and money on things that improve your business, not things that attempt to circumvent your banks lending rules. Sun, 19 Oct 2008 00:46:39 GMT NoBullFunding http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43633&amp;tstart=0#43633 2008-10-19T00:46:39Z Oct 18, 2008 8:46 PM