Sole Proprietor Business Credit Report problems

[Anonymous]

I have a sole-proprietor (very) small business- got my business license last year.  I applied with Citi for a business credit card, and got denied- they said there was a bankruptcy on the Experian report!

I've never filed bankruptcy, neither has my husband, neither has my business.  I suspect there was another business run out of the house I own that may have filed bankruptcy (based on notations I've seen on other credit reports saying that my address has been associated with a business, and the large number of small businesses run out of homes in my neighborhood).  I've requested a free copy of my business report- I checked my Experian personal report last month and it was fine.

Any tips on taking care of this?  I've never had to dispute anything before...

[Anonymous]

I'm asking myself, what possible reason would account for it showing up on your banker's EXP report and not yours, and I can only come up with NONE.

Have you thought about meeting with your banker, and take your EXP cr with you, and compare the 2 side by side? That's what I'd do, but that's just me.

But I'd pull a CR the day you go to meet with your banker, just to be on the safe side.

I'm sure others will chime in with their opinions/recommendations shortly.

[Anonymous]

I think (I guess) they're seeing it on my Business Credit Report, not my personal- which is why I suspect it's carried over from another business at my address.

[Ausfarm]

I'm guessing when Experian sends you the business report, there will be instructions on removing any errors. 

[Anonymous]

Yeah, but I'm a little paranoid, seeing that others on the board have had trouble with getting their reports straightened out...  I figured I'll ask for any tips/tricks to maybe make it smoother.