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Build a Credit History One Step at a Time

Both a credit and operating history will take time to build; there are simply no short cuts when it comes to building a business credit history.

History Is a Slow Process

A credit history is no different than any other type of history. All histories are simply stories that reflect the changes in something, as they occur over time. In the case of a country, for example, the changes are recorded over decades and centuries, and these stories are often well-known and easily understood. A credit history is built in the same way.

A credit history records a sequence of events that involves payments, but is accumulated over months and years. Both kinds of history, the history of a nation or the credit history of a small business, can be changed quickly, although sudden changes are usually for the worse in any kind of history.

However, these types of change are rare, and more often, histories change slowly.

A credit history is determined by changes in access to credit, and payments made on all accounts. A business credit score will be based on a variety of factors. Among the determinants of the score are the amount of credit used by a company, the number of accounts the company has opened, and how those accounts are paid. Higher scores will be awarded to small businesses that pay their bills before they are due.

Credit Scores Summarize a Number of Small Steps

A business credit score records how a business has met its credit obligations in the past. This is not a perfect predictor of the future payment behavior of the company, but history is the best guide available to forecasting the future.

Just like historians study the past to decide what the best action might be in the present, potential lenders will use a credit history to decide whether they should approve a loan request. You should monitor your own credit history to ensure the story is an accurate one.


Michael Carr is a small business expert who has been involved in the successful development of three small businesses.