Build business credit on your EIN, not your SSN.
FRS Credit, in partnership with Credit Suite, gives business owners a complete, step-by-step system for building credit in the company’s name, separate from personal credit and with no personal guarantee on qualifying accounts.
5,000+
Clients helped
4.9 ★
Google rating
Since 2013
Trusted in TX and beyond
10–100×
Business card limits vs. consumer, per SBA
90 days
Typical time to establish an initial profile
4 steps
Credibility to reports to vendor to revolving
0 SSN
Qualifying accounts approved on your EIN
A credit profile that belongs to your company.
Business credit is credit issued in your business name, built on your company’s own profile and score. Approvals are based on the business’s ability to pay, not your personal credit history.
Because it reports to the business bureaus rather than the consumer bureaus, it stays off your personal report. That gives you a second, separate borrowing capacity to fund and grow the business.
Personal vs. business credit
Tied to
Your SSN → the business’s EIN
Reports to
Consumer bureaus → business bureaus
Approval basis
Your history → the company’s record
Typical limits
Standard → often 10–100× higher
Guarantee
Personal → none on qualifying accounts
Lenders check your business credit, even when you don't know it.
When a business owner applies for financing, the business profile is reviewed. A thin or missing profile can quietly get an application declined, often with no explanation. Building it ahead of time keeps the door open: higher limits, faster funding, and no personal assets on the line.
Built for owners ready to separate the two.
LLCs and corporations
You’ve formed a separate legal entity and want credit that lives in the company’s name, not yours.
Growing businesses
You need working capital, vendor terms, and higher limits to fund your next stage of growth.
Protecting personal credit
You want to stop tying every approval to your SSN and keep business balances off your personal report.
Four steps. Each one earns the next.
You start with no profile and climb. Each stage unlocks bigger, more useful credit than the last.
1
Set up business credibility
Align your legal name, EIN, address, phone, licenses and web presence so your business meets the standards lenders and vendors check first.
2
Establish your credit reports
Get set up with the business bureaus, Dun & Bradstreet, Experian, and Equifax, so your payment history has somewhere to report and build a score.
3
Build vendor credit
Open starter vendor accounts that extend net terms with no established credit required. Pay on time and your profile takes shape, often within 90 days.
4
Unlock revolving credit
With a profile in place, move up to store cards and then Visa or Mastercard type business credit. Keep using it responsibly and your limits keep climbing.
FRS Credit and Credit Suite, working the plan with you.
A guided system plus the tools to execute it, so you’re never guessing which step comes next.
- A step-by-step roadmap
- Business credibility review
- Credit report access
- Vetted vendor and card sources
- EIN-first applications
- Support through each stage
CS
Powered by our partnership with Credit Suite
You get FRS Credit’s guidance backed by Credit Suite’s proven business credit building system and vendor network.
Real clients. Real results.
↑ 100+ points
“After working with FRS Credit, both my husband’s credit and mine increased by more than 100 points. We were approved for our loan and are now on the path to homeownership.”
Kelly R
Wylie, TX
✓20 items removed
“I was skeptical at first, but my score went up 85 points in four months. That improvement helped me qualify for a new mortgage at a favorable interest rate.”
Steven K
McKinney, TX
↑ 580 to 725
“FRS Credit helped improve my credit score from 580 to 725 in just five months. The results were fantastic, and I’m very thankful for the work they did.”
Heidi H
West Roxbury
What owners ask before getting started
To fully separate business credit from personal credit, your business should be its own legal entity, an LLC or corporation, with a Federal Tax ID (EIN). We’ll review your setup and tell you exactly what to put in place first.
Qualifying accounts can be approved on your EIN once your business profile and score are strong enough. Some issuers may still request an SSN. Our system focuses on the vendors and issuers that build EIN-based credit first.
Every business is different, but it often takes about 90 days or less to establish an initial profile and score once your credibility foundation and starter vendor accounts are in place. From there, credit grows as you use and pay it.
Credit repair addresses your personal credit report. Business credit building establishes a separate profile in your company’s name. Many owners do both: a stronger personal profile and a new business profile working together.
We’ll walk you through pricing for the business credit program during your consultation, and help you choose the path that fits where your business is today.
Request Your Business Credit Consultation
Fill out the form below and our team will map out your first steps to building business credit on your EIN. Prefer to talk? Call 214.856.0068.
IMPORTANT DISCLAIMER
Approval, limits, timelines, and whether a personal guarantee is required depend on the business profile, lender and vendor criteria, payment history, and other underwriting factors. No credit approval or funding outcome is guaranteed. FRS Credit builds business credit in partnership with Credit Suite.