More savvy consumers these days are also trying to get/increase a D&B (Dunn & Bradstreet) score or other business rating. Even if you don't have a business, you can still obtain a score. You can either just "claim" your a business (i.e. independent contractor as some do on their tax returns) or go pay about $100 and file as a business with the state. Try and put all or as much as possible of your personal debt onto your business rating, thus you greatly improve your debt to income ratio and greatly reduce your total debt ratio on your personal credit score. Most lenders (mortgage, credit cards, retailers, etc.) tend to give a business credit card to almost anyone without checking a personal credit score as well as your limit is higher. If you are smart and don't charge the maximum and stay on top of it, you can build your business or D&B score just as you would a personal score, but without all the debt loads of having it on your personal score. With a good D&B score, you can easily pull out tons of money (thus if you wanted to start your own business, do a major real estate investment, etc.). This is how most of the big dogs that flip properties or start a decent sized company do it.