StretchLearn Course

Stop personally guaranteeing everything. Build credit your business actually owns.

From entity setup to your first Net-30 tradeline to a PAYDEX score lenders respect, the exact sequence that separates business from personal credit.

Preview Curriculum Back to Catalog

Beginner9 hrSelf PacedRegistered

Course Overview

What this course is designed to develop

Most new owners unknowingly tie every business obligation to their personal Social Security Number and FICO score, capping how much they can borrow and putting personal assets at risk. This course walks you through the exact sequence lenders and bureaus expect: forming a compliant entity, opening the right accounts, getting a D-U-N-S Number and PAYDEX score, and layering Net-30 vendors into revolving and cash credit. Every lesson is built around named tools, real score thresholds, and worked examples you can act on the same week.

Learning Outcomes

What the learner should be able to understand, build, or execute.

Separate business and personal credit by building a legally compliant, lender-ready entity foundation

Interpret the PAYDEX, Intelliscore Plus, and Equifax Business scores and the data that drives them

Open and report Net-30 vendor tradelines that establish positive payment history fast

Sequence a tradeline ladder that progresses from vendor accounts to store, fleet, and cash credit

Monitor, dispute, and protect your business credit profile to keep it accurate and growing

Curriculum Preview

Inside the curriculum: a structured path from fundamentals to execution.

Preview the course structure, see how the modules build on one another, and understand the path this program is designed to take you through.

Module 1

Module 1: The Foundation: Separating Business and Personal Credit

Why mixing personal and business credit caps your funding and risks your assets, and the legal and banking setup that creates a clean separation.

3 lessons

Why Separation Matters: Liability, Limits, and LeverageContent · 45 min

Preview Enabled

Entity Structure and the EIN: Your Legal FoundationContent · 45 min

LMS Access

Banking, Address, and Phone: The Compliance LayerContent · 45 min

LMS Access

Module 2

Module 2: Registering with the Credit Bureaus and Dun & Bradstreet

Get your business onto the major commercial bureaus, obtain a D-U-N-S Number, and understand how each bureau builds your file.

3 lessons

The Three Business Credit BureausContent · 45 min

LMS Access

Getting Your D-U-N-S Number from Dun & BradstreetContent · 45 min

LMS Access

Inside Your D&B File: SER, Viability, and Data AccuracyContent · 45 min

LMS Access

Module 3

Module 3: Qualifying for Your First Trade Lines

Open the vendor accounts that report to the bureaus, understand Net-30 terms, and turn early payments into a rising PAYDEX score.

3 lessons

What Trade Lines Are and How They ReportContent · 45 min

LMS Access

Starter Vendors and the Net-30 LadderContent · 45 min

LMS Access

Building PAYDEX: Payment Behavior That ScoresContent · 45 min

LMS Access

Module 4

Module 4: Climbing the Ladder: Store, Fleet, and Cash Credit

Progress from starter vendors to retail and fleet accounts, then to bank and cash credit, while monitoring and protecting your profile.

3 lessons

Tier 2 and Tier 3: Store and Fleet CreditContent · 45 min

LMS Access

Tier 4: Bank Credit and the Personal Guarantee QuestionContent · 45 min

LMS Access

Monitor, Dispute, and Protect Your ProfileContent · 45 min

LMS Access

Built for Application

A complete learning path, not a one-off inspiration hit.

This program is designed around progression: focused lessons, structured modules, applied resources, assessments, and a course rhythm that turns information into usable capability.

business creditDun and BradstreetDUNS numberPAYDEX scoretrade linesNet-30 vendorsbusiness fundingcredit separation