ours has always been "my ss#" I've always run into walls here and there for financing on equipment mainly in the past years, doesnt seem to get any better year after year either. I was reading last week that you should never have your company credit as part or attached to your "personal credit", but this is the only way ive ever known to apply for bank credit, credit cards or merchandise accounts. Our deere commercial account dealer said that our tax ID of the business shouldnt be the same as the SS# because your applying for commercial lines accounts with your business "not personally". HOW do you establish credit to your business? I dont think our business even has credit... and maybe this ties into why we've been denied for bid bonds this past year? My personal credit isnt awesome, but mainly because of a few poor issues over 7 years ago before opening the business. Since then, were never late on anything, pay on time, pay the whole payment of the invoice amount "so as to not pay interest on credit cards 90% of the time" and pay loans for trucks, tractors and plowing equipment. Its been so rough for myself to get equipment and loans that a lot is through my better half's credit since her score is much higher, 750+ but doenst make a lot of money and is younger.... but im guessing mostly depends on the score only. My personal score last year dropped almost 100points simply because instead of paying off the two credit cards we used each month fully, i rolled over the amount for a month and a half until they could be paid in march 09 when our invoices started to finally get paid for winter snow removal. Sucks but ive been told any blip can severely decrese your point score. What do you have setup for your business big or small, 1 man or 10?