Here's a look at the real score when making credit report inquiries. When Making Inquiries, Check Your Credit Report With A Fine Comb According to most credit experts, a lot of people often check out their credit report every month. However, the sad thing is that whenever they check the report, they don't look at the finer details, and usually don't check the report for any errors, or any inconsistencies and flaws in the data entered. Some borrowers often fear that if they shop around for lenders, each time the lender makes an inquiry, their credit score plummets again. The truth is that multiple loan inquiries are generally treated as a single inquiry, provided they come within a 45-day period. It would help if you do your loan rate shopping within the 45-day window. Some creditors have been known to look at their customer's bill payment records, so that they can establish your willingness to pay. Get Installment Loans Next, get an installment loan, such as a car or appliance loan. This can be a nice start towards rebuilding your credit score. Once you've gotten approval, pay off the loan in the quickest time possible. Avail Of Small Business Loans To enhance your credit score, try availing of small business loan programs, which help to provide instant working capital for your business. Once you get a small business loan, learn to manage your debt. Always make it a point to make timely, as well as monthly, paytments to your lenders, so that your business credit profile remains active and maintains its high score. - Credit monitoring services quickly notify you of any activity in your account. You ll also be able to immediately notice if ever there are any inconsistencies, inaccuracies or flaws within your report. By immediately finding out any numerical or typographical errors, this allows you to quickly file disputes to correct any inaccuracies. Every business entity that borrows will generally have a business credit profile, from which the business credit score is taken from. While a number of firms track business profiles, the main business profile tracker is the Paydex system, which works like the FICO score for personal credit score. Why Monitoring The Credit Report Is Important For Small Business Owners One of the most important aspects that aspiring business owners needs to do, is monitor their credit report.