Key Differences Between Personal Credit and Business Credit
Personal credit reflects an individual's financial history, including credit card usage, loans, and payment habits, and is tied to a person's Social Security Number (SSN). Business credit, on the other hand, is linked to a company’s Employer Identification Number (EIN) or D-U-N-S number and tracks the creditworthiness of a business. While personal credit impacts personal borrowing limits, business credit influences the ability to secure business loans, lines of credit, and favorable terms, helping separate personal and business finances.
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