 So so John again today we're talking about business credit and I know that when we first met right you were telling me that you had got your business credit aligned to start selling stuff to the government. Can you tell them about that? Like what did you do and like what was the process like for you? So understanding credit and business credit the whole process and how to set that up. When I first met Eric and he was like the first thing you need to do is start a business. The process the first thing I did once I started registered with Sunbiz and with and received my EIN number was I registered with Duns and Bradstreet and how Eric always talks about registering with Sam and you have to be registered with Sam. Before you can even register with Sam you have to be registered with Duns you gotta have a Duns number. So that's like one of the first steps is registering with Duns and Bradstreet and being able to get the Duns number from them. Okay but you actually you were approving some credit early on. Yes. Okay how did that come about? Well it took about it was a little bit less than two years I was actually approved with a line of credit a business line of credit and a few credit cards with Regions Bank. The processes can be you can get in the sun pass lane of building business credit if you do have good personal credit anything 700 or better it makes it really easier to start getting business loans. Okay. But because I know the process I was able to set up and establish trade lines with my business and already kind of have a paydeck score and have a score register with Experian within a shorter period of time than it would take most people because they don't know how to really go about setting it up and making sure that all the information that's inexperienced Equifax and Duns and Bradstreet's database is the information that you're giving to the lenders when they go and search for you and see if you have a good credit score. Okay. So can we walk you through that process of what did you do how did we do that? Sure. Sure. We're not here to have secrets John. No no I don't understand. We're not here to have secrets. The most important would be Duns and Bradstreet. Okay so I get my Duns and Bradstreet then what I do next. Well the first thing you would get your register with Duns and Bradstreet and you create a profile with Duns and Bradstreet. Okay. You make sure all that information that's in Duns and Bradstreet is the same as it is with in the state of Florida Sunbiz. Okay. Or and with the IRS you make sure that all the information is in line it's exactly the same if it's ink it's ink. Okay. If it's LLC it's LLC the way you spell it the abbreviations how if you if you abbreviate anything that's how it needs to be everywhere. Okay so we gotta match up make sure it matches up identical. The addresses have to be the same everywhere if it's Cutler Bay Florida. Yep. It needs to be Cutler Bay Florida not Miami Florida. That makes sense. Yeah because some people we take that for granted. Granted. Yeah we'll take and say okay I live in ghouls and we'll put ghouls instead of Miami. So everything it doesn't when I say it has to be that's just what makes it easier because when you go to the lender and you put down on your application that's what they're searching you buy. Okay. So by that information being in the credit reporting database it makes it easier for them to approve you. Okay okay all right so we do that so now we match up our names everything like that okay now what's next. So once you're in Duns and Bradstreet then you need to start establishing trade lines by doing business with certain companies that report that business to Duns and Bradstreet but there's only a few Uline, Quill, Granger. There's a one more that I'm I can't think of right now but if you start building trade lines with Uline and Quill if you get anywhere from three to five trade lines you establish a paydeck score. Right. And then the paydeck score is basically like your FICO score. Okay. Once you have established that then you're going to start establishing profiles with companies that report to not only Duns and Bradstreet but Equifax. Okay. So we have the work with companies who are reporting the credit bureaus. Yes. How do we find those companies? A lot of research it's not really public information um you can always reach out to us credit 360 we do help people establish business credit but like I said earlier if if you set up an account with if you're a new company and you're trying to establish credit Uline and Quill will be the two easiest ones to establish a credit with and then they'll report whatever you order. Okay. So then would it be fair to say hey let's ask the people do they report your credit to the credit bureau is that okay question? Yes and you can ask that but the person you're talking to might not know. Okay. So but again we want to set up establish credit with creditors. Okay. How does someone do that when they don't have credit? You gotta work with the companies like Uline and Quill because they'll take a new person with no credit no credit and they report but see like if you were to say okay you can go to office depot but if you don't have credit they're gonna pull your personal credit right but and what I was showing you right there is not using your personal credit. Okay. So John's suggestion is again so the first thing would be find companies who report the credit to who report the business that you're doing with them two duns and brass. Okay. Okay. All right. Because everybody the reason why everybody doesn't do that just like in personal credit capital one has to pay Equifax to report your information. Right. So a business has to report has to pay to report your information to duns and brass. It's not cheap. So they rather not do it unless the only majority of the time they might do it is if you don't pay them. Okay. So is it possible that you can get us a list of the ones that you know of? Yes. You said Uline. Yes. I can get you a list of like four or five. Okay. All right. So John's gonna get us a list like four or five and then someone just mentioned in here global industrial as well. Yes. Global industrial. Okay. It's definitely. All right. Good. So we're all talking the same page. All right. So now you get those companies that report your stuff. Okay. And then what's next? Once you've established a paydeck score with Duns and Brass Street then you can start building trade lines with companies like more of the gas companies, Shell, Texaco, Speedtrack. They offer business accounts and a lot of them actually report to Equifax and Duns and Brass Street. So now you're starting to establish a credit profile with Equifax. All right. Now John, someone asked a question. How long do I need to make purchases before I see my paydeck score? To get a paydeck score you need three to five trade lines. Three to five trade lines can be three to five transactions with any company that reports. So you could have three transactions with Uline, four transactions with Quill. That'll be seven transactions reporting on your business trade line reporting on your credit report because business credit goes by industry not by the company. Gotcha. If that makes sense. Yeah. Okay. So someone just posted in here. Quill, Uline, Crown, Office Supplies, and Granger. Office Supply. Oh, Office, what? Office Office Supplies but it's a company, Suma Office Supplies. Suma Office Supplies. Suma Office Supplies and what was the company? The Industrial? Global Industrial. Yeah. Those are good ones. Okay. All right. Now the other thing is someone asked, okay, is it like tier one, tier two, tier three, and so on? Meaning? Tracy asked that question. Like is it, so, okay, we get our paydeck score. How do the paydeck scores look? So once a paydeck score is anywhere from zero to 100. Okay. So this is the paydeck score. And this is, we have some documents that we can share. I emailed this. I don't know if you got them. Yeah, but I can't, it's not allowing me to pull this up on my screen. I'm sorry, I got to be bootleg today. So here, we're going to show you, let me see. So your paydeck score is zero from 100 and it's mostly determined if you pay your bills on time. Anything over an 80 is considered a 700 credit score. So as long as you pay your bills on time and you have anywhere from three to five trade lines, you'll establish a paydeck score. The only thing you can do after that is keep building on that paydeck score and make sure you pay your bills early. Okay. And then, so now we've established our paydeck score. For example, the other company that I have that sells products to the government that I started working on after I met Eric, I have about six trade lines showing on Dunn's and Brass Street. I have a 80 paydeck score. It's actually at 80. Okay. So I don't have a lot. The highest trade line is about $5,000. Okay. And I was able with that and with my good personal credit and being set up with Experian and Equifax, I was able to establish a line of credit with Regents and get a couple of credit cards with them. Nice, nice.