General Business and Finance Blog

Copyright (c) 2009 Marco Carbajo

I felt inspired to write this article after receiving so many questions about credit for small business and how you go about getting approved for cash credit lines despite the current credit crunch in the economy.

Let me be the first to tell you that businesses are still getting cash credit and business financing today but lenders have adopted new criteria and stricter guidelines that many business owners fail to recognize or adapt to.

It’s more important now than ever to be pro active and informed on what is required to obtain business financing for your business. I don’t recommend anyone to wait until you need financing to start because the business credit building process takes time and doesn’t happen overnight.

Ever heard the phrase “Dig your well before you get thirsty?”

I’ll even give you the shovel!

It’s important to understand that the biggest benefit to building business credit is not just having access to cash credit. One of the greater benefits is obtaining cash credit that does not report to your personal credit profiles. However, before any business credit building begins you’re business must meet certain corporate conformity guidelines in order to prevent it from getting red flagged by the business credit bureas.

When you start building business credit and progress in the process by establishing trade credit and eventually cash credit it’s important for you to understand that is not the end result that you should be shooting for. After building your business credit foundation the cash credit that you obtain should only be just the beginning!

You can be assured that you will obtain as much cash credit for your current needs when you follow the right steps but whether your business obtains $50,000 or $200,000, if you continue to follow the right step-by-step process you will be able to increase your cash credit lines to double or even triple the initial amount.

Here are my ‘Eight Steps to Building Ultimate Business Credit.’

1. Corporate Conformity

This is where you’re business credit foundation is set up and it’s critical not to take short cuts or side steps because you’re ability to obtain financing can be hampered. At this stage it’s vitally important to structure your business entity properly from both a tax and asset protection standpoint. In additon, both the business credit bureaus and lending institutions will verify certain information about your business that must meet specific lending guidelines. In order to achieve the best business classification ratings make sure you meet all the requirements before moving on to the next step in the business credit building process.

2. Business Plan

This is not a mandatory step, but it’s necessary for your overall business success as well as a door opener for specific lenders.

3. Business Credit Profile

Once you have completed corporate conformity you will be ready to set up your business credit profile with Dun & Bradstreet as well as steps to activate your business credit profile with Corporate Experian and Business Equifax.

4. Tier 1 Trade Accounts

This is the first step where you will be setting up trade accounts for your business that are known to grant small amounts of credit to businesses that have no credit history.

*Please note –

Even if you have been in business for several years doesn’t mean you have a business credit history. After setting up your business credit file there will be no payment history so you will need to start with low credit limits and gradually build it to larger amounts over time.

Another option is having your existing vendors that you have history with start reporting your payment history to the business credit bureaus. Dun & Bradstreet even offers a credit builder program for adding existing trade accounts but be sure the trade accounts you want to add fall under D&B’s criteria prior to purchasing their program.

5. Tier 2 Trade Accounts

At this point you set up business trade accounts for your business that are known to grant credit to businesses that have little business credit history. Because most Tier 1 trade accounts will now be reporting on your business credit file you can now submit appllications for Tier 2. When Tier 2 vendors pull your business credit report they will see that you have some good history so they will grant additional credit in amounts higher then approved for in Tier 1.

6. Tier 3 Trade Accounts

These companies will grant credit in higher amounts than what was granted from Tier 1 and Tier 2 accounts. Those members with good personal credit history may also be ready for bank financing at this stage. Each tier builds upon the previous tier. Many of my clients who want to apply for bank financing at this stage can but at this stage they will need to use their personal credit scores for approval and will need to be in the 680+ range. If personal credit scores are below the necessary range then I suggest enrolling in a credit restoration program.

7. Tier 4 Cash Credit Accounts

Tier 4 accounts consist of vendors who will grant your business cash credit cards, typically with a Visa or MasterCard logo. Benefits to you include no personal guarantee and affect on your personal credit profiles.

8. Advanced Business Financing

At this stage of the process your business credit file is built, you have history, business scores, a bank rating; access to funding and you can continue to obtain even greater amounts of capital by following my advanced business credit building strategies. There are many different advanced strategies to obtain additional capital with and without a personal guarantee at this stage.

Remember it’s not only about how much cash credit for you’re business you obtain initially, it’s about advancing to even greater amounts of credit capacity for your business. This is accomplished by following a proven simple step-by-step process.

Most businesses which accept credit cards can obtain a business cash advance by using their future credit card processing activity. This strategy is also referred to as credit card financing and credit card receivables factoring. However, there are a number of critical business financing problems to avoid when using this strategy, and a merchant cash advance is not the only source to consider for additional working capital.

Business cash advance and credit card processing management is frequently one of the most overlooked sources of working capital for a business. This article will provide a concise and practical introduction to what a business needs to know about using this business finance strategy and how to obtain a merchant cash advance.

Businesses should not overlook the substantial working capital business loan benefits which will accrue to their business by effectively coordinating merchant cash advance and credit card processing programs. Key results from successfully coordinating these business financing services will include reduced costs and improved cash flow. Perhaps most importantly, a business cash advance based on credit card processing is one of the few viable options for reliably obtaining short-term commercial financing for many service and retail businesses.

Before we begin, there are two key points to keep in mind. First, business cash advance programs can be a source of confusion and problems, and proper anticipation of these potential difficulties is essential for a business owner considering this working capital strategy. Second, some additional descriptions for business cash advance programs are credit card receivables factoring, merchant cash advances and credit card financing.

Although this is a sound and viable strategy, there are pitfalls to anticipate and avoid. Below you will find our suggestions for simultaneously obtaining business cash advances and improving credit card processing.

Realize that the business cash advance strategy is not readily available until a business has been operational for at least one year. A further limitation is that the business must have been using credit cards as a form of payment by customers. It would be wise for new business owners to review this strategy in order to be better prepared for future business finance options needed in the future.

Determine how much additional working capital your business needs. In general a business cash advance is typically possible for amounts varying from $5000 to $300,000 and the amount will depend on the monthly credit card processing volume for a business.

Review your monthly credit card volume as well as cash receipts from your customers during the past six months. It is not unusual for a business to experience cyclical variations in their monthly receipts, and these fluctuations are generally acceptable in calculating the potential for a business cash advance.

Avoid business finance sites which request that a business owner submit an online application for a business cash advance. To illustrate the problems associated with an online business financing application, we have prepared a separate business loan report entitled How and Why to Avoid the Online Business Loan Application Trap.

An experienced business cash advance advisor should be consulted. High-pressure representatives making unrealistic promises about the speed of the credit card financing process should always be avoided. A realistic expectation is that a merchant cash advance can be finalized in a period of two to four weeks. A knowledgeable working capital financing advisor will be able to provide an initial assessment of potential working capital advance options based on information referred to above.

Explore additional resources that will facilitate a better understanding of complex credit card factoring issues. You should look for sources which will provide relevant strategies and solutions for any business owner contemplating a future business cash advance.

Complete an initial business cash advance application once you are satisfied that you have identified a suitable advisor and provider for coordinating the credit card processing and credit card receivables factoring. Please remember our advice to avoid the online versions for this step. Faxing or emailing a completed application directly to the advisor-provider is the preferred method for submitting initial documentation. Please note that there should not be any up-front fees or closing costs to obtain a working capital advance.

Money is not everything. There are travelers’ checks, money orders, and credit cards. When you start your own business, there’s a way for you to obtain much-needed capital, too. This way is called small business financing credit card.
Small business financing credit card, also known as small business starter credit cards, is a great way to keep your personal and business finances separate. Personal Credit Card Versus Small Business Financing Credit Card
In the past and even at present, lots of entrepreneurs rely on their personal credit to get their business up and running. The problem with this is that they carry the debt from their business into their personal credit cards. Ultimately, they end up hurting their personal credit scores.
This is where small business financing credit cards come in. They offer higher credit limit. Additionally, they keep business and personal expense separate, thereby making it painless to track tax deductions. More importantly, you may write off your small business financing credit card’s finance charges and annual fees. Why Get a Small Business Financing Credit Card1. Build Credit
A small business financing credit card is a good way to build a financial history. Your business is a start-up; it’s unknown. This makes it difficult for your business to obtain loans. A small business financing credit card will remedy this. It will provide banks with the spending footprints they need to reassure themselves you’re a responsible borrower.2. Avoid Intermingling
When it comes to managing your expense, there’s one thing you should always do. Segregate, segregate, segregate. Do not mix business and personal transactions. This might later on create tax and money management problems. 3. Prevent Shoebox Accounting
It is always a nightmare to track business expenditures. With a small business financing credit card, however, you can turn the nightmare into one you can easily snap out of. Your credit card company will provide you with a year-end statement where you can find your transactions summarized, itemized, and categorized. With such a report available, there’s no need to keep a shoebox stacked with receipts. 4. Special Rewards
The credit card industry is so competitive providers fall over themselves to lure borrowers. Accordingly, a reward and discount program for small business credit card users was developed. Every time you use your small business financing credit card, you qualify for discounts and rewards, ranging from office supplies and plane tickets to phone services. How to Manage Your Small Business Financing Credit Card Effectively
Credit cards, whether personal or corporate, will always be open to potential abuse. Effectively manage your small business financing credit card by:1. Limiting card hopping
Sure, you qualify for multiple cards, but this does not mean you should sign up. You shouldn’t. This will only tempt you to overspend. It will hurt your credit rating, too.2. Steering clear of cash advances
Never use this credit card feature unless you need to bail yourself out of jail. It comes with whooping credit card fees and interest costs.3. Avoiding late payments
The more delinquent your payments are, the higher the fees and interest rates you would be saddled with. Moreover, late payments hurt your credit reputation.4. Using grace
Many companies offer a 21-day grace period to clients before asking them to pay for purchases. Turn this to your advantage by drawing up a schedule of your purchases and payments.
Use your small business financing credit card prudently. Remember, credit cards should be a financial safety net, not a trap.

Credit card processing is often one of the most overlooked working capital business loan issues for a business owner. An effective credit card processing program can eliminate many credit card factoring difficulties by implementing appropriate business finance and business cash advance cost-reduction alternatives.
Credit card processing improvements can achieve dual working capital management benefits by both eliminating credit card financing difficulties and providing improved cash flow by enhanced management of business finance and merchant cash advance programs. The total management benefits of integrating credit card receivable factoring and credit card processing services can be first-rate and significant for working capital business loan programs.Business Finance Working Capital Loan: Cost Reduction
As I mentioned in a previous working capital business loan report, for any merchant that accepts credit cards as a payment method, a merchant cash advance (obtained through credit card factoring and credit card processing) is an important business finance tool that is frequently overlooked. Even the most successful businesses frequently need more cash than they can obtain from a commercial bank. However, what is typically overlooked by many merchants is the chance to lessen their credit card management and credit card processing costs at the same time that they obtain a merchant cash advance via credit card receivables financing and a working capital business loan.Working Capital Business Finance Management: Avoid Credit Card Processing Problems
Credit card factoring is an important business finance option to consider when a business is seeking a short-term commercial loan, an unsecured business loan and improved approaches to credit card processing services. Unfortunately there are a number of problems to be avoided with credit card processing and credit card factoring programs. As with any successful business financing strategy, there will usually be only a small number of commercial lenders who are effective at implementing the joint tasks of credit card processing and credit card factoring strategies properly.
Because of such business finance problems, the choice of a provider of credit card receivable financing and credit card processing is extremely important to any business that accepts credit cards. To demonstrate which providers of credit card receivable factoring and credit card processing should be avoided, I have written a working capital business loan article which lists ten critical difficulties to avoid with credit card processing and credit card receivables management.Business Cash Advance: Best and Lowest-Cost Credit Card Processing
For businesses either dissatisfied with their current credit card processing and business finance management services or simply wondering if any cost improvements are possible, a credit card receivable factoring program which eliminates all ten specific working capital business loan obstacles mentioned above should be evaluated. One of the major working capital management reasons for evaluating credit card receivables financing, credit card processing and credit card receivable factoring in this combined fashion is that the low-cost producers of the best merchant cash advance programs are likely to be utilizing the best and lowest-cost credit card processing and management producers.
In many situations, the best and lowest-cost producers of credit card management and credit card processing services are not likely to be available to the typical merchant without being a part of a working capital business loan plan covering credit card receivable financing, credit card processing and credit card receivables management. The overall business finance improvements realized from the coordination of these two key working capital strategies is likely to be worth the management efforts.Business Loan and Working Capital Management: Improving Cash Flow
Business owners should not lose sight of the substantial total business finance benefits which might accrue to their business by prudently combining credit card processing and credit card receivables management services. As mentioned above, cost reduction and improved cash flow are primary goals of successful working capital management strategies, and the proper coordination of credit card factoring and credit card processing should accomplish both of these difficult goals simultaneously.
Copyright 1995-2007 AEX Commercial Financing Group and Stephen Bush. All Rights Reserved.

When a small business owner implements the credit card processing service in its business, he or she tends to add to the growth of the company. Credit card processing is easy process of money transaction via swiping of credit card and has become a big part of business world with both the customers and traders utilizing it.
Whether trading online or doing business on internet, small business owners can always us the new trend of business world to increase their sale and status. But before making the use of such benefiting tool you should have a complete picture of requirements of credit card processing and the precautions to keep in mind while choosing a merchant account that suits a small business.
Before beginning with a credit card processing service you should know what a merchant account is and how it will affect a small business.
Merchant account is more or less like a bond between a trader and a credit card processor that permits a trader to provide a credit card processing to its customer. With a merchant account you can be sure of sudden development in your small business. Merchant account is also a must for those dealing on internet. Imagine a customer visiting your site and finds a credit card payment processing he/she will not just be amazed but also impressed with the service being provided by a small company. Merchant account is the best way to increase your customers and revenue.
But for a small business trade or company acquiring a merchant account can be difficult. Thus, it takes proper planning and complete idea of approach towards finding the right merchant account provider. Since a small business may not be able to afford bigger financial services for credit card processing, a trader can always opt for a reasonable credit card processor relating to its business.
Following are some of the credit card processing companies you can opt for as per the need of your business:
Bank
Independent sale organization
Third party provider
Financial service provider
Association
While you can always find a rational merchant account provider but if you are a small trader and finding it hard to get a decent and low priced merchant account, you can always go for trade associations which have a reputation of providing a merchant account or credit card processing at a low or discounted rate. Even a third party processor can be a good idea, as it has its own rules and terms.
While each of such merchant account providers comes with its own set of requirements and rules, you can always compare them and chose the one that suits your business. But before selecting a merchant account and getting started with the credit card processing there are few things to be taken care of. Such as, always search for 3 or more credit card account providers, compare their fees and services, get a complete idea of their terms and conditions and negotiate if possible.
Remember, since you a re an owner of a small business, merchant account provider will always want to see your background and credibility record as well as your capability of being a credit card processing service provider to customers. Thus, what makes a merchant account difficult for you is not your status of being a small company but your bad record or fraud history.
Once you have found the right merchant account and a credit card processing service for your small business, you are ready for a whole new experience in the establishing your business. For small business owners, who often trade in fairs and by visiting customers personally, utilization of a mobile credit card processing benefits more than they can imagine.

Many business finance activities will involve the use of credit card processing decisions. These business operations should be analyzed simultaneously with business cash advance programs for several reasons. If done properly, a business should reduce their costs and improve their cash flow. Credit card financing in conjunction with processing can be one of the most overlooked and problematic business finance issues for a merchant. An effective receivables factoring program can lessen many obstacles by implementing appropriate working capital business loan cost-reduction solutions. These improvements can achieve dual working capital management benefits by both eliminating credit card financing difficulties and providing improved cash flow by enhanced management of working capital loan and merchant cash advance programs. The total business finance benefits of integrating credit card receivable factoring and processing services can be first-rate and significant for working capital management programs. Working Capital Business Loan Solutions: Cost Reduction As I noted in another business finance article, a retail-service business cash advance (obtained through credit card processing and credit card receivables management) is a vital working capital management tool that can be easily overlooked. Even thriving merchants frequently need more financial resources than they can get from a bank business loan. However, what is usually even more overlooked by many businesses is a unique opportunity to decrease their processing and management expenses at the same time that they obtain a working capital cash advance via receivables factoring. Business Finance and Credit Card Processing Solutions: Avoiding Problems Credit card receivables financing is an excellent business finance alternative to consider when a merchant is seeking a short-term business loan, an unsecured commercial loan and improved strategies for processing and management. However, there are a number of working capital management difficulties to be avoided. As with most successful working capital loan strategies, there will typically be only a few lenders that are effective at properly executing the combined business financing tasks. Because of such problems, the choice of a processing provider is extremely important to any business. To demonstrate which providers should be avoided, I have written a business finance article which lists ten critical difficulties to avoid. Working Capital and Credit Card Factoring Solutions: Best and Lowest-Cost For businesses either dissatisfied with their current processing services or simply wondering if any cost improvements are possible, a program which eliminates all ten specific working capital business loan obstacles mentioned above should be evaluated. One of the major working capital management reasons for evaluating processing and business cash advance services in this combined fashion is that the low-cost producers of the best merchant cash advance programs are likely to be utilizing the best and lowest-cost processing and management producers. In most cases, the lowest-cost and best providers of processing and management will not be available to an average business other than in conjunction with a working capital plan that includes both processing and business cash advance programs. But the benefits realized from the integration of these two key working capital management programs should be worth the efforts of combining them. Working Capital Management and Business Cash Advance Solutions: Cost Reduction and Improved Cash Flow Businesses should not overlook the substantial business finance benefits which will accrue to their business by effectively coordinating credit card factoring and credit card processing. As noted above, improved cash flow and reduced costs are key results of successful working capital business loan solutions, and appropriate combination of these business financing services is likely to accomplish both of these difficult goals concurrently. Additional Credit Card Processing and Business Cash Advance Resources Additional business finance reports include a discussion of more detailed business cash advance and processing factors. Separate report topics include stated income business loans, SBA loan refinancing and buying a business opportunity. Several of these reports are relevant to factors addressed in this article and will serve as effective business financing resources to provide strategies and solutions for other problematic commercial loan scenarios.

In the face of a growing commercial finance funding crisis, many small business owners are exploring new options for commercial financing. Credit card loans and business cash advances are two working capital financing strategies which are proving to be practical and effective sources of operating cash for commercial borrowers.
The use of credit card financing often refers to business cash advances in which working capital is obtained by business owners based upon future credit card processing activity. Alternatively the use of personal credit cards to obtain a cash advance is also referred to as a credit card loan. With business finance funding shortages, small business owners are increasingly using both approaches to obtain operating cash for their business. The two financing approaches are not equal in terms of how they are viewed by commercial financing experts although the strategies might be called by the same name occasionally.
Many commercial lenders have suddenly reduced or cancelled business lines of credit and other forms of working capital loans. In response, many business owners have been forced to rely on cash obtained via their personal credit cards to sustain their businesses. We strongly urge all commercial borrowers to review our predatory lending discussion in The Working Capital Journal in order to prepare for some of the most undesirable actions being taken by many lenders which have a substantial credit card loan exposure.
There are two particular observations we want to emphasize about small business owners using personal credit cards to obtain operating cash: (1) This really is a business financing method of last resort that should be avoided whenever possible. Before assuming that this is the only source of capital available, commercial borrowers should consult with a working capital finance expert. The possibility of business cash advances and working capital loans should be thoroughly explored. (2) This questionable method of obtaining commercial finance funding will prove to be increasingly more difficult because credit card issuers are already cutting back on their unsecured lending programs.
Like reductions in their lending programs for business lines of credit, most banks are now making similar cutbacks in credit card lending. They are reducing or cancelling credit lines even when borrowers have a superb payment record. The rationale for banks reducing both credit card lines and commercial lines of credit is similar. With unsecured commercial loans or personal loans, banks fear that massive defaults are almost inevitable due to a very shaky economy and business lending climate. Unlike residential real estate financing in which real property is pledged as collateral, banks know that they have no collateral to fall back on with working capital loans and credit card loans because they are unsecured. Many small business owners use home equity lines of credit to obtain operating cash, and these funding sources are also diminishing in most areas of the United States. Although these lending programs are backed by collateral, the value of homes in many areas has decreased to the point that many outstanding loans exceed the current property value.
One of the most disturbing and frustrating occurrences in the current difficult commercial financing environment is the lack of clear information for many business owners about which funding options are realistic and possible. This factor alone has probably led thousands of commercial borrowers to obtain operating cash from their personal credit cards when there were better alternatives.
Due to the growing tendency of several major credit card issuers to exhibit predatory lending practices, the use of personal credit card loans should be avoided. At a minimum, each business owner should contact a business finance funding expert to determine if a business cash advance program or a working capital loan program can be used to obtain needed cash.

While you make search for small business finance with a bad credit tag, one aspect that should be at the upper most on your mind is the costs. Any such loan that drains away larger portion of your finances towards the monthly outgoings will result in stress on your trade.

If you have a history of late payments, defaults, arrears or CCJs, then the loan approval will be harder to get. You should save money for making greater down payment, which gives a sense of security to the lender and the approval comes with ease.

One way to ensure a less burden some finance for your trade is to approach the lenders with an excellent or good credit rating. Make sure that your FICO rating is above 600 or in the vicinity of it. Get copies of your credit report to make it fully free of any misrepresentation of the facts about the payments you made in the past. In case of the rating being lower, then make timely payments for few months for improving it, before applying for the loan.

Ensure that you have made a convincing plan of repaying the finance. You would be using the loan for variety of purposes like buying the raw material; equipment, machinery etc. hence, keep a good amount of money in your bank for few months at least. This will give the impression that you can repay the loan installments, without depending on our business.

You can choose to borrow small business finance in secured or unsecured options. Greater funds can be accessed under the secured loan against your residential or commercial property. Lower interest rate is the main advantage of the loan. you can repay the loan in 5 to 30 years. The unsecured loan has no risks for the business people, as it comes without collateral. However, only smaller amount will be approved for 5 to 15 years, at higher interest rate.

First, apply for the rate quotes, so that you can have access to select Small Business Finance bad credit, which are of lower rate and few additional charges. Repay the loan on time for escaping any debt accumulation.

When you look into getting items and services for your business, the goal is to minimize your personal guarantee and avoid touching your personal credit. A personal guarantee makes you and your partners liable if the loan ever defaults. In bad cases, your personal assets could be sold off to pay for a loan. You don’t want to do that.
Let’s look into Trade Credit and Business Financing as options for your business.
Business credit is usually credit between two businesses. If you case it would be between your business and another entity such as Dell computers. If you wanted to get computers from Dell, they would issue business credit in your business name and you would get your computers for your business. This is also known as trade credit. Usually you’re limited to what you can purchase since it’s with a single business. In the Dell example, you’re not going to be able to use Dell’s line of credit to purchase an automobile.
Usually with this form or credit there’s no need for a personal guarantee. Some vendors may still ask for a personal guarantee but it’s fairly uncommon. The higher your business credit score the less likely it will be that they will ask for a personal guarantee.
The other form of financing is business financing. Business financing are lines of credit for your business usually done though a bank. Banks will always want something secured. If they can’t do it via an asset then they’ll want a personal guarantee. This puts your personal items such as your own car, home, and family heirlooms at risk. If you default on the loan, a judge can order your assets to be sold to repay the loan.
The advantage is that you get more options in relation to items or services. It just depends on how you got the loan or financing. If you went into the bank and asked for financing for a truck then the money should only be used for a truck. However if the financing was for a loan, then you have more leeway. With the monies it’s up to you to decide what you should ethically get. You’ll probably get what was in your business plan but if there’s money left over then there’s more options.
Here are some tips to help you with your credit.
1. Try to get your debt to not show up on your credit report.
a. Sometimes businesses won’t report the debt if everything is ok. If this doesn’t happen then your debt to income ratio looks better. This gives you options for another loan if an opportunity comes your way.
2. Check your personal credit reports.
a. A good online service such as annualcreditreport.com or myfico.com allows you to check and monitor your credit reports. This will help you track mistakes and fix them quickly.
3. Separate your credit reports.
a. Make sure to get credit in your business name. Your personal credit is an important asset and you don’t want a business mistake to keep you from being able to get a house, automobile or anything else that’s important to you in the future.
Following those tips should help to protect you and your business. Please, don’t get into the habit of damaging your personal credit. It’s your number one asset. You could always start another business but you can’t legally start another you.

In this modern era, there are many easiest way that you can do to get money. If you need money in emergency situation, you can easily get credit. Credit is become one of the easiest way that you can do to get money. Sometimes, you need to collect your entire data if you want to make credit.

Credit is become one of the easiest way that you can do to get more money. If you want to get reliable credit, it is better for you to find trustable company which will gives you reliable credit. There are many companies which provide credit for you. If you want to get trustable credit company, the first thing that you can do is by finding information about Credit Company first. You can also find credit quotes in the internet. Besides that, you can also compare some credit companies to get the best credit company.

Sometimes, if you want to get the best credit report, it is better for you to find which company gives the easiest way to get credit report. You can try to get 3 bureau credit report which will become the easiest way for you to get credit report without think more about many documents.