Credit • Module 2 of 12
Credit: The Bedrock of Your Business Empire
FICO Fundamentals & Business Credit
If wealth building were construction, credit would be your concrete foundation. Module 2 covers both personal FICO fundamentals and the parallel path of building business credit as a separate identity.
What you'll learn
- Payment history (35%) and utilization (30%) are your highest-impact FICO levers.
- Pay before the statement closing date to lower reported utilization.
- Business credit is a separate identity built through entity formation, banking, and vendor trade lines.
- Strong credit is not the goal — capital access is the goal.
Ready to work through Module 2?
Enroll to unlock the full lesson, then pass the 10-question Knowledge Check to progress through the Framework.