About us
Business credit consultants in Miami, focused on establishing business credit
American Business Credentials Inc. is a Miami-based business credit consulting firm that helps small business owners build a credit profile in the company's own name. We work through a proven order: uniform records, a verifiable online presence, a D-U-N-S number, and vendor accounts that report.
We serve owners in the United States and international owners of U.S. companies, in English and Spanish.
We don't form companies, obtain EINs, or give legal or tax advice. We focus on making sure everything is uniform and that each step happens in the right order.
Order
Every stage prepares the next one.
Clarity
Plain language, no promises we can't keep.
Privacy
We never ask for SSNs, bank numbers, or passwords online.
Why business credit
Separate business and personal credit.
When a business has its own credit file, the owner stops carrying every purchase on personal credit.
A separate file
The company builds its own credit file with business bureaus, tied to its EIN and kept separate from the owner's personal score.
Room to grow
Equipment, inventory, and hiring can move forward on the company's own profile, without touching personal credit. When you later apply for a business loan with a bank or lender, the company has a file to show.
Protects personal assets
Separating business and personal obligations helps shield what you own from the risks the business takes.
More buying power
Net 30, Net 60, and Net 90 vendor terms let the company buy now and pay on terms, instead of paying everything upfront.
FAQ
Questions owners ask us
Can I do this myself?
You can. Most owners get stuck on the order. Vendor accounts opened before the D-U-N-S exists, or with mismatched records, often don't count.
Do you guarantee a PAYDEX score or approvals?
No. Bureaus and vendors make their own decisions. The goal is a PAYDEX of 80 or higher, which typically reflects on-time payment. Read the guide: PAYDEX score explained
Do you form my company or get my EIN?
No. You'll need your entity and EIN in place. We verify that your records are uniform everywhere the business is listed.
“Stop leveraging your personal credit and let your company work for you.”
Find out where your business is today. The consultation is free.