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Getting a free business credit report is much harder then getting personal free credit reports. I will provide an easy guide that will allow you to get your business credit report so you can clean bad credit.

Since most small businesses do not receive payment for their products or services till after they are delivered, they must finance these up front. Therefore bad credit can be detrimental to a small business. Follow these simple steps to get a free business credit report.

The first step; using your business name apply for a loan or credit card. You need a denial to finish these steps so try for a loan you believe you will not receive. Try one that says they will give instant decisions so the decision is received right away. If you already have a recent denial, that will work for getting your free business credit report.

The second step; wait for the denial unless you already have one. The agency which they used to decide on your denial will be on this.

The third step; send a letter requesting your business credit report along with the letter of denial to this agency.

The forth step; allow 30 days for your free business credit report to arrive.

Ok, your free business credit report has arrived, how you can use this to improve bad credit will be looked at next.

Making your payments on time is very important. If you are going to be late be proactive, contact your creditor right away before the due date. If you have made timely payments in the past most creditors will be willing to work with you in setting up a new schedule for your payments or extending your due date. Sometimes this will include additional charges and or higher interest rates. Most companies will continue to work with you if you can adhere to these new terms.

With your newly acquired free business credit report, let’s see if we can use it to clean bad credit. If containing unsolicited inquiries, errors or duplicates you can improve your credit by ridding your report of these erroneous entries. Highlight these and send along with any explanations for them and information to back them you have to the agency.

Making payments by their due date, working with creditors as soon as you realize you’ll be late, and getting rid of erroneous entries on your credit report can improve your credit using your free business credit report.

Alex Nebwalz lost his job, his car, and his home; but he fought back to repair his credit and regain his life. He writes about his experience at his website cleaningupcredit.net where he discusses how to find your credit score, how to get your three credit report, get your free business credit report, fix your credit report, and clean bad credit.