(Dallas Morning News) — 1. Improve your personal credit scores: Personal credit scores impact business owners seeking capital. If you are looking to secure financing in 2011, it is important to know that lenders can access your personal credit history from companies such as Equifax and Dun and Bradstreet (D&B). And they make lending decisions based on a combination of both personal and business credit history. So if you have a lot of credit card debt, pay it down — perhaps at a more attractive rate if you can secure capital. If you have a vendor nagging you for invoices past due 90 or 120 days, pay him as soon as possible to get the blemish off your record.
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