Business Account Credit Cards- How Calculated in FICO and credit worthiness?

[Anonymous]

My personal credit reports do not show a couple of small business cards I have (I think because they are not personally guaranteed).  Are these cards included in the FICO calculation itselff or  used by credit bureaus even though they do not appear on my reports from the credit bureaus?

[Anonymous]

These cards are not used in calculating your FICO score but be carefull since some cards are called businees but are actually personaly guaranteed

[Duke-of-Earl]

The definitions and reporting are tricky with "business" cards.  Possibly useful info, if my situation has anything in common with yours:

I have a "corporate sponsored" Diners that never appears on my credit report.  Still, I am personally responsible for payment of the charges, which are limited to business expenses, and (eventually!) reimbursed.  I've been told that this account will suddenly appear if I default, but obviously don't want to try that experiment.  Also been told I shouldn't include it as a "debt" when applying for credit.