One thing you need to have when you start a small business is good credit. The only way you can know about your credit is to request your credit report from the credit reporting agencies. You can request one free personal credit report per year and will get your report from all three credit reporting agencies. This is the best link to follow to get your free annual credit report from all three credit reporting agencies.To find out, step by step, how to clean up your credit reports, see my article, How to Clean Up Your Credit Report. I hope it helps you!