• The credit application is self-reported. You can't readily detect misconstrued facts or outright fraud.
• Internal data usually applies only to existing customers, not new prospects.
• Credit reports often don't give a clear picture of small business credit. Fewer than 50% have a credit profile,
and of those, about half are thin files.
• Most small business owners mix their personal and business operations. It can be hard to see the connection points and understand the context behind them.
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