In short there are consumers that waited and waited on hold. This statistic may hold true in other countries as well. Now, if you're no longer married to the idea of long-term investing, you can stick to safer investments, as well. Your financial history is now a direct reflection of how well you manage your finances and how responsibly you can take care of existing loans. How can I improve my business credit score? Although it may be less, it is a fact that more and more people are beginning to own credit cards and seeing how important they are. A number of people have had the misfortune of seeing their credit ratings completely destroyed by previous financial associations, and your old romantic attachments could potentially leave you with much more than a broken heart. Credit agencies Dun & Bradstreet, Experian, and Equifax produce business credit scores and reports. Even one mistyped letter could take you to a fraudulent website that looks and feels like a place to order credit reports but in fact has been set up by ID thieves to steal your information.