Helping You Understand How Credit Works — And How to Use It Wisely

At Dominion Vantage Enterprises, we know that credit can be confusing. Whether you’re just getting started or trying to grow your financial options, it helps to understand how credit really works—both for individuals and for businesses.

What Is Personal Credit?

Personal credit is based on your history of borrowing and repaying money. It’s tracked by companies like Experian, Equifax, and TransUnion, and it helps lenders decide if they can trust you with loans or credit cards.

Your credit is shaped by things like:

• Whether you pay your bills on time
• How much debt you’re using compared to your limits
• How long you’ve had credit accounts
• The types of credit you use

Why it matters:

Good personal credit can help you qualify for lower interest rates, better credit cards, or even a home loan.

What Is Business Credit?

Business credit is separate from your personal credit and is tied to your business name and EIN (Employer Identification Number).

It’s built by:

• Opening business accounts that report to commercial credit bureaus
• Paying vendors and lenders on time
• Keeping your business information up to date

Why it matters:

Strong business credit helps your company get loans, credit cards, and better terms from suppliers—without needing to use your personal credit.

How We Help

Dominion Vantage Enterprises is here to guide you. We don’t promise quick fixes—but we do help you learn how to build and manage credit the right way.

We can help you:

• Understand what impacts your credit
• Choose lending options that make sense
• Avoid common mistakes that hurt your credit