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One of our readers, Frank Mills, sent us that question:

I have heard that you can apply for a business credit card and get a fresh start by using only the tax id number but it seems that all of the cards that we have checked want your social protection number. Is there such a card to apply with only the tax id number?

Thanks for your question Frank.

Here is the reply:
whether your business is a sole proprietorship, next you will nearly always be asked for your social shield number, as well as your Tax ID number before you will be able to get credit.

There are some online rumors and “advice” that quote companies like Staples and a few other companies (see the list below) that will allow you to open up an explanation without your social defense number.

So, from here you really have to take a quick look at your motivation and goals:

1) If your personal credit is poor, and you are only starting the business with the hopes of a quick fresh start in the credit branch, next you would be better off not starting a business.

Instead consider getting a secured credit card and making the payments on instance.From there you can start applying for retail credit cards, and next after another 6 months to a year of on instance payments you can move up to an unsecured Visa

or MasterCard. that will raise your credit score legitimately and does not really take that much effort – just the initial deposit for a secured credit card, and regular payments. (Check out this link for our reviews of the best secured credit cards to rebuild your credit.)

2) If you really want to start a business and you have poor personal credit, thereupon you will want to take the following steps:

Obtain all the relevant licenses and permits to do business in your state

Start a business bank account

Get your business address and a separate business telephone number listed in the 411 directory

Apply for a business credit card at any of the companies below. They supposedly do not require a PG (Personal Guarantor – your SS#)

• Staples
• Office Depot
• UPS
• FedEx
• Chevron Oil
• TMobile
• Nextel
• Dell Computers
• Office Max
• Cingular
• Or bite the bullet and apply for a secured business credit card to start building up your credit rating.

Then, set up an detail with Dun and Bradstreet (DNB) and get your D-U-N-S Number.

Make all your payments on time

From there you should be well on your way to establishing excellent business credit.

Have a question for us? Leave a comment below!

Orginal post by Jenna