# American Business Credentials Inc.

> Business credit establishment consulting for U.S. companies and their owners, including owners who live in Latin America (for example, Colombia and elsewhere in South America). Based in Miami, Florida. Bilingual (English and Spanish). Not credit repair, not a lender, no legal or tax advice, no guaranteed scores.

- Program: Business Establishment Program, $870 one-time; or 2 payments of $435 (today and in 30 days); or Afterpay, 4 interest-free payments of $217.50 (subject to Afterpay approval). Typically about 180 days, 8 stages in 2 phases.
- A D-U-N-S number is free from Dun & Bradstreet.
- Serves business owners in the United States and Latin America, in English or Spanish.
- Contact: info@americanbusinesscredentials.com

## Topics we cover
- How to build business credit for a new LLC, step by step, tied to the company's EIN
- Building business credit with an EIN only, for owners without an SSN, ITIN holders, and non-US residents who own a U.S. LLC
- Getting a free D-U-N-S (DUNS) number from Dun & Bradstreet
- PAYDEX score: what it measures and why 80 is the usual target
- Net 30, Net 60, and Net 90 vendor accounts that report to business bureaus (business tradelines)
- Separating business and personal credit; Experian and Equifax business profiles; FICO SBSS
- Loan readiness: the business credit profile lenders review when a company applies for a business loan elsewhere. ABC is not a lender and does not provide, arrange, or approve loans.
- Temas en español: cómo construir crédito comercial en EE. UU., crédito empresarial para extranjeros con LLC, número DUNS gratis, cuentas Net 30, cómo prepararse para un préstamo para negocios

## Pages (English)
- [Business Credit Establishment](https://americanbusinesscredentials.com/): Business credit building in 8 stages: a free DUNS number, PAYDEX, and Net 30 vendors that report, without using your personal credit. $870 one-time.
- [How It Works: The 8 Stages](https://americanbusinesscredentials.com/how-it-works): How to establish business credit in order: uniform records, digital presence, a free D-U-N-S number, PAYDEX, then Net 30, 60, and 90 vendor accounts.
- [Where Is Your Business? Self-Assessment](https://americanbusinesscredentials.com/business-credit-assessment): Answer 8 yes/no questions to see which business credit stage your company is likely at, from D-U-N-S number to Net 30 accounts. Runs in your browser.
- [The Business Establishment Program](https://americanbusinesscredentials.com/business-credit-program): A guided business credit building service: all 8 stages, typically about 180 days. $870, 2 payments of $435, or Afterpay. Support in English and Spanish.
- [International Owners](https://americanbusinesscredentials.com/business-credit-for-international-owners): Own a U.S. LLC but live abroad or use an ITIN? Build business credit on the company's EIN, starting with EIN-only Net 30 vendors. Help in Spanish.
- [About Us](https://americanbusinesscredentials.com/about): Miami business credit consultants: American Business Credentials Inc. helps U.S. companies and owners abroad build business credit, in English and Spanish.
- [Business Credit FAQ](https://americanbusinesscredentials.com/business-credit-faq): Building business credit for a new LLC: EIN-only options, a free DUNS number, a good PAYDEX score, Net 30 vendors, and preparing for a business loan.
- [Contact & Free Consultation](https://americanbusinesscredentials.com/free-consultation): Request a free consultation in English or Spanish. A specialist confirms your business credit stage. We never ask for your SSN, EIN, or bank details.
- [Privacy Policy](https://americanbusinesscredentials.com/privacy-policy): How American Business Credentials Inc. collects, uses, and protects information sent through this website, including consultation requests and texts.
- [Terms of Service](https://americanbusinesscredentials.com/terms-of-service): Terms for using the American Business Credentials Inc. website and business credit establishment consulting services.
- [SMS Terms](https://americanbusinesscredentials.com/sms-terms): Text message terms for American Business Credentials Inc.: what we send, how often, and how to reply STOP to opt out or HELP for help.

## Guides (English)
- [Business credit guides](https://americanbusinesscredentials.com/guides): Free business credit guides with sources: business vs. personal credit, the PAYDEX score, and what lenders review before a business loan.
- [Business vs. personal credit](https://americanbusinesscredentials.com/business-vs-personal-credit): How business and personal credit differ: who keeps each file, how they're scored, who can see them, and how to keep your LLC's credit separate.
- [Loan readiness guide](https://americanbusinesscredentials.com/loan-readiness-guide): What banks and lenders typically review when a business applies for a loan, and how building business credit first helps you prepare. ABC is not a lender.
- [PAYDEX score explained](https://americanbusinesscredentials.com/paydex-score): What the Dun & Bradstreet PAYDEX score measures, what the 1 to 100 ranges mean, why 80 is the usual target, and how a new business builds one.

## Páginas (Español)
- [Establecimiento de crédito empresarial](https://americanbusinesscredentials.com/es): Cómo construir crédito comercial en EE. UU. en 8 etapas: número DUNS gratis, PAYDEX y cuentas Net 30 que reportan, sin usar su crédito personal. $870.
- [Cómo funciona: las 8 etapas](https://americanbusinesscredentials.com/es/como-funciona): Cómo establecer crédito para su empresa paso a paso: registros uniformes, presencia digital, número D-U-N-S gratuito, PAYDEX y cuentas Net 30, 60 y 90.
- [¿Dónde está su empresa? Autoevaluación](https://americanbusinesscredentials.com/es/autoevaluacion-credito-empresarial): Responda 8 preguntas de sí o no y vea en qué etapa de crédito empresarial está su empresa, del número D-U-N-S a las cuentas Net 30.
- [El Business Establishment Program](https://americanbusinesscredentials.com/es/programa-credito-empresarial): Programa guiado para establecer crédito para su empresa: 8 etapas, por lo general unos 180 días. $870 pago único, 2 pagos de $435 o Afterpay. En español.
- [Dueños internacionales](https://americanbusinesscredentials.com/es/credito-empresarial-duenos-internacionales): ¿Vive fuera de EE. UU. o usa ITIN? Construya crédito comercial con el EIN de su LLC, empezando por proveedores Net 30 que aprueban solo con EIN.
- [Nosotros](https://americanbusinesscredentials.com/es/nosotros): American Business Credentials Inc., con sede en Miami, ayuda a empresas de EE. UU. y a dueños en el exterior a establecer crédito empresarial en orden.
- [Preguntas frecuentes sobre crédito empresarial](https://americanbusinesscredentials.com/es/preguntas-frecuentes): Crédito empresarial para una LLC nueva: solo con EIN, número DUNS gratis, buen puntaje PAYDEX, cuentas Net 30 y cómo prepararse para un préstamo.
- [Contacto y consulta gratuita](https://americanbusinesscredentials.com/es/consulta-gratuita): Solicite una consulta gratuita en español o inglés. Un especialista confirma la etapa de su empresa. Nunca le pedimos SSN, EIN ni datos bancarios.
- [Política de privacidad](https://americanbusinesscredentials.com/es/politica-de-privacidad): Cómo American Business Credentials Inc. recopila, usa y protege la información enviada por este sitio, incluidas solicitudes de consulta y mensajes.
- [Términos del servicio](https://americanbusinesscredentials.com/es/terminos-del-servicio): Términos de uso del sitio web y de los servicios de consultoría en establecimiento de crédito empresarial de American Business Credentials Inc.
- [Términos de SMS](https://americanbusinesscredentials.com/es/terminos-sms): Términos de mensajes de texto de American Business Credentials Inc.: qué enviamos, con qué frecuencia y cómo responder STOP o HELP.

## Guías (Español)
- [Guías de crédito empresarial](https://americanbusinesscredentials.com/es/guias): Guías gratuitas de crédito empresarial, con fuentes: crédito empresarial vs. personal, el puntaje PAYDEX y qué revisan los prestamistas.
- [Crédito empresarial vs. personal](https://americanbusinesscredentials.com/es/credito-empresarial-vs-personal): En qué se diferencian el crédito empresarial y el personal: quién guarda cada historial, cómo se califican, quién los ve y cómo separar los de su LLC.
- [Guía de preparación para préstamos](https://americanbusinesscredentials.com/es/guia-preparacion-prestamos): Qué revisan bancos y prestamistas al evaluar un préstamo para negocios y cómo el crédito empresarial le ayuda a prepararse. ABC no es prestamista.
- [El puntaje PAYDEX, explicado](https://americanbusinesscredentials.com/es/puntaje-paydex): Qué mide el puntaje PAYDEX de Dun & Bradstreet, qué significan sus rangos de 1 a 100, por qué la meta es 80 y cómo lo construye una empresa nueva.