Credit Repair
for Business Owners

Sole Proprietor

Do you run a small business on your personal social security number and need help establishing business credit?

Small Business

Do you have business credit, but need to repair your personal and/or business credit score for funding?

Large Corporation

Has your corporation experienced bankruptcy or some other issue requiring business credit repair?

Do You Want to Expand Your Business?

Do you Need a Business Loan?

Are Your Stressed-Out and Struggling How to Fix Your Credit But Don’t Know How?

How would you like to see your credit score increase dramatically with a business credit repair company with 25 years of experience?  

 Ipsan West Credit Repair Helps Your Business

  Take control of your credit score and future to help you grow

  Remove questionable, negative items from your credit report

  Have more access to funding through your broker

  Secure the best financing options through your banker


Illustration of bad credit mortgage person getting a bank loan.





Over the past year, Bill Ipsan and team have delivered the miracle of a fresh start, time and time again, for both me and my wife. As we own and operate many businesses, the need for excellent credit is a do or die proposition when applying for business and personal credit.

When applying for our dream home, which seemed out of our reach, Ipsan West and team cleaned up our credit quickly and efficiently to enable us to buy that house.

Their results were remarkable to say the least. With each time requested, Ipsan West was able to resurrect and correct erroneously reported accounts documenting and removing all derogatory information thus, giving us the jump to our next business opportunity.

Thank you and your team for an outstanding job! We couldn’t have accomplished any of this without Ipsan West. 

Mark N. / Temecula, CA

As someone that always had excellent credit until circumstances changed, it was very demoralizing for me. Ipsan West was a huge help in assisting me with a business credit issue. Bill and his team reduced a very sizable debt down to 20 cents on the dollar. I cannot thank them enough for the outcome they negotiated on my behalf.

Donnie B. / Austin, TX

This company has and continues to be our support system! Being a business owner, times get difficult and you sometimes need the help of companies like Ipsan West especially during this pandemic… but knowing that they will always have your back is the best part! Even after your transaction is complete! Thank you for all you continue to do! Even after more than 5 years of relationships!

Angie A. / Miami, FL

Sole Proprietor Business Credit Repair Service

Over 65% of all business owners use credit for business purchases.
But only 50% of those cards are actually in the business’ name.

U.S. Small Business Administration

Woman holding credit card with typing on laptop to improve her personal credit score.


  • Personal affects business
  • Identify credit report errors
  • Pay personal debt on time
  • Follow our advice
Business owner signing bank loan form with banker.


  • Gain access to lending options
  • Separate personal credit
  • Reduce personal liability
  • Have more options
Man in suit holding leather folder on way to business meeting.


  • Easy access to business loans
  • Better financing options
  • Dun & Bradstreet good score
  • Lower business interest rates

Establishing a partition between your own credit and your business can be precarious for independent ventures, particularly when you ARE the business. As business credit repair specialists, we suggest having a separation between your personal and business funds.

Many times, it’s challenging to keep your personal and business credit separate, especially for start-ups. However, financing your new company through personal credit can lead to financial disaster down the road. When you invest in your company via personal credit, you risk quite a lot because you are assuming total liability. If your company is sued or bankrupts, you will be personally burdened financially. You may lose personal assets while also severely damaging your personal credit.

Business and Personal Credit Difference

Your personal credit is associated with you by your Social Security number. Your business record of loan repayment is connected to you by your Employer Identification Number (EIN) or Tax ID Number, which is how lenders perceive your business for loan applications. You can apply for an EIN on the web and get it right away. If you’re a sole proprietor, you use your Social Security number—not an EIN. What number you use should be discussed with your tax professional.

Who Tracks Your Business

Three significant credit agencies, Equifax, Experian, and TransUnion, track your personal and business credit history. Business credit is also tracked by Dun and Bradstreet, which is the biggest business credit reporting bureau. It is also essential to know if you have more than one business, each will have their credit report, as long as they have different file numbers.

Individual versus Business Credit Scores

Your credit is summed up into a solitary number that enables lenders to see how healthy your score is. FICO is the most commonly used technique for scoring individual credit. There is no number for organizations; every business credit authority scores and reports in its own specific manner.

The most significant elements for scoring organizations are typically how you take care of your bills, how much obligation you owe, and what industry you’re in. As a rule, business FICO ratings have fewer factors than FICO personal scores. It is simpler to improve the score for a person than it is for a business. As an example, you want to consider creating business credit instead of using your personal credit history for tax purposes.

On the drawback, there are fewer legitimate assurances for business credit. Personal credit laws permit you to challenge anything on your report and have mistaken negative items removed. It is important to note that there are no such laws regarding business credit, which implies that if there are issues with your business credit report, it is important to have them handled immediately. This is another example how we can help.

Why Do I Need Business Credit?

Much of the time, you won’t have the option to apply for business credit if your company has no credit history. Money lenders will use your personal record when making sense of advancing the business cash. You’ll likewise require credit to get business protection. In many occurrences, you won’t have the option to purchase products on credit and other ventures for your business, having no prior history. The majority of the time any business credit extended will require you to become the personal guarantor.

You may wonder why you shouldn’t use your personal credit to fund your business. Many people do, but we don’t recommend it. The IRS has rules about blending individual and operational expenses. Using personal checks or a separate charge card makes your accounting a lot harder. Lenders will see you in a more personal light when you pay for operational expenses with devoted business reserves.

Using individual credit to maintain your business also puts yourself and family in danger if your business comes up short or encounters cash inconvenience. You will then be burdened personally for your business, leading to a double edged sword with your personal credit now severely damaged. However, there are many examples of great businesses started by using personal loans. As an example, Tito’s Vodka in Austin, TX, was created by using a personal loan from a credit card by the owner.

We have been using Ipsan West for many years and Bill has been very successful in bringing our credit score up 250 points.  We now have been able to get all the credit lines our company currently needs to improve our cash flow!!

Jeri T. / Los Gatos, CA

Bill Ipsan and his team are extremely knowledgeable, helpful and professional. Their advice has empowered me to make positive changes in my finances. If you need help negotiating your bills, understanding your credit or upgrading your credit, I highly recommend working with Bill and Ipsan West.

Lynn S. / Palm Springs, CA

I’ve worked with Ipsan West over the past 8 years. They have assisted me on multiple occasions to clean up my credit, negotiate settlements and help up my credit score at critical moments. I highly recommend their services.

Jeff I. / Aurora, CO

Small Business Credit Repair Service

70% of small businesses are owned and operated by a single person.

United States Small Business Association Office of Advocacy

Small business owner holding notepad at his catering service.


  • Gain business listing congruency
  • Business lender compliance review
  • Identify missing items
  • Continuous profile improvement
Smiling small business owner holding a open sign in the bakery shop.


  • Dun & Bradstreet increased score
  • Add more tradelines
  • Establish larger credit accounts
  • Advance business building accounts
Young coffeeshop owner with folded arms in front of shop.


  • Identify negative items
  • Separate personal from business
  • Assist in funding opportunies
  • Lower business interest rates

If you need help with small business credit repair, you are not alone. The problem is that many business owners don’t realize that minor mishaps often turn into enormous problems.

It takes work to fix your credit, and we are here to help. We are a reputable and experienced credit repair company that will help you get back on track and start working on improving your business credit score.

Improve Personal Credit First

The initial step to fix your small business credit is to improve your own credit, starting with our Check Pillar. Even though your business FICO assessment is distinct from your own FICO rating, lenders will often also pull your personal record when deciding to grant a business advance or other financing. We understand how vital business credit can represent the deciding moment of your business achievement.

We Have Experience

We know how to repair business credit because we understand how banks evaluate your business for funding. Suppose you have a new company without an established business credit history. In that case, lenders will only look at your personal credit score. Some traditional funding options review your personal credit, regardless of whether you have a business credit history. This is especially common with some Small Business Administration (SBA) loans and applying for business credit.

The Time is Now

Small business credit repair can help you with many financial needs that you may have. Don’t let bad credit ruin your life. You deserve a second chance. Take action today to control your financial future and get on the right path to a brighter future for yourself and your small business.

Bill Ipsan is the best credit repair business I’ve ever found. In the past I tried others and only found disappointing results. Bill is the best! I can’t say enough or thank Bill enough for helping me straighten out my business credit. THANK YOU, BILL!

Rich L. / Henderson, NV

Bill was extremely helpful. He helped me clean up my credit and taught me a few tips along the way that are still helping me maintain a good score today. His prices are reasonable and worth every penny. I have referred friends to him that he is also helping. He is so committed to his clients. 

F J. / West Hills, CA

Bill is amazing, professional, knowledge able, and understanding. Most of all, afforable. I had been struggling to raise my score with other companies and had given up on trying. But I am so thankful that I was referred to this company. I was hesitant because of previous companies not making any improvements in my score. But, Ipsan West has been responsively caring and I see a light at the end of the tunnel for my finacial and credit score problems. From me and my family, thank you for your service

LaLa D. / Alpine, CA

Corporate Business Credit Repair Service

Chapter 11 business bankruptcy filings increased 26% in the first half of 2020. 

Epiq Systems Inc.



  • Alter repayment options
  • Account closures reported
  • Creditor signed statements 
  • Avoid public record filings
Group of people working out business plan in an office.


  • Offset negative information 
  • Maintain 30% utilization
  • Establish new debt
  • Advance business building accounts
Successful businesswoman smiling as talking on phone and working with laptop in cafe.


  • Strengthen fundamental valuations
  • Monitor business credit reports
  • Correct inaccuracies 
  • Build trust

In the current financial climate, more businesses are being affected by the economy and their economic effects. Because of this, many people are asking “Credit Repair For Business Owners” questions about whether or not it is possible for them to fix their financial problems.

If you own a corporation, likely, you have probably experienced some challenges in the past. Maybe you had to make significant budget cuts to remain profitable. When your customers are canceling orders or returning your products, you may feel that your business is in trouble. But, before you panic and immediately consider bankruptcy, there are some things that you should consider.

Bankruptcy Options

While most people think that the only way for business owners to save their business is through bankruptcy, there is hope. Credit repair for business owners is an excellent way to get your business back on track.

To complete credit repair for business owners, you need to have an accurate and up-to-date credit report. Once we have this information, we will fix most errors or inaccuracies.

Many corporate owners think they can never use a credit repair company because of fear that the problem will be so extensive that their business will fail.

But, with the help of a reputable credit repair company, like Ipsan West, we can repair your credit report. Just like we have done for hundreds of other businesses.

Benefits of Corporate Credit Repair

Unfortunately, many business owners take too long to hire a company to help them fix their financial problems. However, you can be sure that your business will be back on track in no time once we get to work.

Credit repair for business owners is a great way to restore your business to profitability. It may seem like a big step at first, but it really isn’t. To begin credit repair, you need to work with us to make changes to your business so you are no longer paying out too much money on debt and will be able to improve your credit rating.

When you hire Ipsan West to help you with credit repair for business owners, you will work with an expert on your specific situation. We will work with you from start to finish.

As a corporate business owner, you need to learn as much as you can about the steps required to repair your credit so that you understand how to avoid making these mistakes in the future.

This means that you will be able to repair your credit for your business before it’s too late. If you have bad credit, you don’t want to wait until it has already damaged your credit.

I need CREDIT REPAIR as a . . .

Blue house icon.

Home Buyer or Owner

Can’t get a mortgage or refinance approval?

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Personal Credit Repair

Bad credit standing in your way and holding you down?

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Finance Professional

Clients’ bad credit preventing closings and transactions?

Ready For a Life-Changing Experience? Let’s Do This!

Call (619) 794-0278 to Start Your Credit Evaluation Today.

Contact us for a FREE Consultation

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© SAN DIEGO CREDIT REPAIR. All rights reserved.

DISCLAIMERFINANCIAL, LEGAL & TAX NOTICE: Ipsan West (IW) does not provide tax, legal, or financial advice. Please consult a licensed attorney, CPA, or financial adviser for these types of professional services.

TEXAS BASED BUSINESS: Ipsan West is a Texas based company that does business nationwide. 

EXPERIENCE BASED COMMENTS:Be advised that all comments regarding our services are based upon individual experience, observations, and opinions. They do not represent any guarantees or promises.

INACCURATE, UNVERIFIABLE OR UNAUTHORIZED INFORMATION: IP is in the business of educating and assisting others in removing inaccurate, unverifiable, or legally unauthorized information. 

INDIVIDUAL RESULTS VARY: Every business and individual has different credit issues, creating different results for other people. One client’s success does not guarantee success for all clients.

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EDITORIAL CONTENT:  Editorial content on this site has not been reviewed or approved by any advertising partner.