{"id":2128,"date":"2025-08-02T19:36:01","date_gmt":"2025-08-02T19:36:01","guid":{"rendered":"https:\/\/taxespositivos.com\/personal-and-business-credit\/"},"modified":"2026-10-24T19:16:36","modified_gmt":"2026-10-24T19:16:36","slug":"personal-and-business-credit","status":"publish","type":"page","link":"https:\/\/taxespositivos.com\/en\/personal-and-business-credit\/","title":{"rendered":"Personal and business credit"},"content":{"rendered":"\t\t
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Personal and business credit \u00b7 Spanish-speaking service<\/p>\n\t\t\t\t\t

Understand your credit and get ready for your next goal<\/h1>\n\t\t\t\t\t

We help you understand your credit situation, identify areas that need attention and learn the next steps based on your personal or business goals.<\/p>\n\t\t

\n \t\t\t\n\tAsk about personal credit\n<\/a>\n\t\t\t\t\t\n\tAsk about business credit\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t\"Alexander\t\t\n<\/div>\n\n<\/section>\n
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Personal and business<\/p>\n\t\t\t\t\t

Your personal credit and your company's credit serve different purposes<\/h2>\n\t\t
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Personal credit<\/h3>\n\t\t\t\t\t

It relates to your history as a consumer: accounts, payments, balances and other information reported about you.<\/p>\n\t\t\n<\/div>\n

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Business credit<\/h3>\n\t\t\t\t\t

It relates to your business's credit history and information. Depending on the product, the owners' finances and credit may also be evaluated.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

Having an LLC or an EIN does not automatically create a credit history or guarantee access to financing.<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Personal credit<\/p>\n\t\t\t\t\t

Understand what appears on your report<\/h2>\n\t\t\t\t\t

If you are not sure how to read your report or want to prepare before applying for credit, ask about the scope of our service.<\/p>\n\t\t

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Report interpretation<\/h3>\n\t\t\t\t\t

Understand the accounts, balances, payment history and inquiries that appear.<\/p>\n\t\t\n<\/div>\n

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Review of possible errors<\/h3>\n\t\t\t\t\t

Identify information that may be incorrect, incomplete or that you do not recognize.<\/p>\n\t\t\n<\/div>\n

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Factors that affect your profile<\/h3>\n\t\t\t\t\t

Learn how payment behavior, balances and other factors can affect your credit situation.<\/p>\n\t\t\n<\/div>\n

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Preparing before you apply<\/h3>\n\t\t\t\t\t

Review your goals and the areas worth addressing before considering new applications.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n

\n \t\t\t\n\tAsk about my personal credit\n<\/a>\n\t\t\n<\/div>\n\t\t\t

The scope is confirmed before you hire the service. We do not guarantee specific score changes or credit decisions.<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Possible errors<\/p>\n\t\t\t\t\t

Did you find information you do not recognize or that seems incorrect?<\/h2>\n\t\t\t\t\t

An unknown account, an incorrect balance or a payment reported in error needs to be reviewed. We explain the options available to address possible errors according to the service you hire.<\/p>\n\t\t\t\t\t

Disputes must be based on information you believe is incorrect or incomplete. We do not guarantee the removal of accurate negative information.<\/p>\n\t\t\t\t\t

You can dispute errors directly with the credit reporting companies and with those who provided the information, without hiring a service.<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Credit and bankruptcy<\/p>\n\t\t\t\t\t

Are you considering bankruptcy or have you already been through one?<\/h2>\n\t\t\t\t\t

If debt is affecting your peace of mind or you have already been through a bankruptcy, tell us about your situation. We can guide you on our report review service and the next steps to rebuild your credit profile.<\/p>\n\t\t

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I am considering bankruptcy<\/h3>\n\t\t\t\t\t

Before deciding, you need to understand its consequences and the alternatives that apply to your situation. The legal evaluation and the filing of a bankruptcy must be handled with an attorney.<\/p>\n\t\t\n<\/div>\n

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I have already had a bankruptcy<\/h3>\n\t\t\t\t\t

Ask about our service to understand how it appears on your report, identify possible errors and organize the next steps for your credit.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

Taxes Positivos does not provide legal representation or file bankruptcy cases. Credit guidance is not a substitute for advice from an attorney.<\/p>\n\t\t

\n \t\t\t\n\tAsk about credit and bankruptcy\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/section>\n
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Business credit<\/p>\n\t\t\t\t\t

Prepare your business's credit profile<\/h2>\n\t\t\t\t\t

If you want to establish or strengthen your company's credit, we first need to understand how it operates, what history it has and what its goals are.<\/p>\n\t\t

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Current situation<\/h3>\n\t\t\t\t\t

We review what credit and financial information you have available about the business.<\/p>\n\t\t\n<\/div>\n

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Data consistency<\/h3>\n\t\t\t\t\t

We identify differences in your business information that may need attention.<\/p>\n\t\t\n<\/div>\n

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Financial organization<\/h3>\n\t\t\t\t\t

We review whether you have the records and documents that credit providers may request.<\/p>\n\t\t\n<\/div>\n

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Next steps<\/h3>\n\t\t\t\t\t

We define the actions included in the service based on your company's stage.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n

\n \t\t\t\n\tAsk about credit for my company\n<\/a>\n\t\t\n<\/div>\n\t\t\t

Building business credit depends on the business's actual activity, the products used, payments and the information reported. Not all accounts report to the same bureaus.<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Financing<\/p>\n\t\t\t\t\t

Is your goal to seek financing?<\/h2>\n\t\t\t\t\t

If you need capital for your business, we can review which guidance or referral service is available and what documents you need to get started.<\/p>\n\t\t

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Define the purpose<\/h3>\n\t\t\t\t\t

Tell us what you need the funds for and what amount you are considering.<\/p>\n\t\t\n<\/div>\n

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Organize your information<\/h3>\n\t\t\t\t\t

Prepare the financial and business documents the provider requests.<\/p>\n\t\t\n<\/div>\n

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Understand the terms<\/h3>\n\t\t\t\t\t

Before accepting, review costs, payments, term, collateral and any other obligations.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

The credit decision belongs to the institution that evaluates the application. Requirements may include a review of your personal credit and personal guarantees.<\/p>\n\t\t

\n \t\t\t\n\tAsk about financing options\n<\/a>\n\t\t\n<\/div>\n\t\t\t

Learn about our business funding and access to business credit service<\/a><\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Process<\/p>\n\t\t\t\t\t

How we get started<\/h2>\n\t\t
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1. You tell us your goal<\/p>\n\t\t\t\t\t

Let us know whether you are looking for personal or business guidance, or information about financing.<\/p>\n\t\t\n<\/div>\n

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2. You learn the scope<\/p>\n\t\t\t\t\t

We explain who provides the service, what it includes, its terms and its cost.<\/p>\n\t\t\n<\/div>\n

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3. You share the necessary information<\/p>\n\t\t\t\t\t

We tell you which channel to use and any specific authorizations that may be required.<\/p>\n\t\t\n<\/div>\n

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4. You receive the next steps<\/p>\n\t\t\t\t\t

You learn the findings and the actions included in your engagement.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

The follow-up and duration of the service are detailed before we begin.<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Initial information<\/p>\n\t\t\t\t\t

What do we need to know at the start?<\/h2>\n\t\t
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Personal credit<\/h3>\n\t\t
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What your goal is.<\/p>\n\t\t\n<\/div>\n

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Whether you have recent reports.<\/p>\n\t\t\n<\/div>\n

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What situation you want to review.<\/p>\n\t\t\n<\/div>\n

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Whether you have an upcoming or pending application.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n

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Business credit<\/h3>\n\t\t
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Business activity and how long it has operated.<\/p>\n\t\t\n<\/div>\n

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State where it operates.<\/p>\n\t\t\n<\/div>\n

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Whether it already uses credit products.<\/p>\n\t\t\n<\/div>\n

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Availability of financial records.<\/p>\n\t\t\n<\/div>\n

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Goal you want to reach.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n\t\t\t

To protect your information, do not send full reports, Social Security numbers, ID documents, passwords or banking information through the public form or WhatsApp.<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Trust<\/p>\n\t\t\t\t\t

Decisions based on clear information<\/h2>\n\t\t\t\t\t

Before you begin, learn who will assist you, what work the service includes and what its limits are. We want you to understand the proposed steps and the terms of any product you consider.<\/p>\n\t\t

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Defined scope<\/h3>\n\t\t\t\t\t

Services and costs explained before you hire.<\/p>\n\t\t\n<\/div>\n

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Realistic expectations<\/h3>\n\t\t\t\t\t

No promises of scores, amounts or credit decisions.<\/p>\n\t\t\n<\/div>\n

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Handling of information<\/h3>\n\t\t\t\t\t

Specific channels and authorizations to review or share documents.<\/p>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

What our clients say<\/h3>\n\t\t\n<\/div>\n\n<\/section>\n
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