Questions. Straight answers.

No. We build your file. Independent lenders make every funding decision. When your file is ready, your Director introduces you to lenders whose published criteria match it.

You talk with a human Director about where your file stands and what a buildout would look like for you. No payment. No credit pull. No obligation. We reply within 1 business day to schedule.

Yes. A rough score is a starting line, not a stop sign. The team runs unlimited dispute rounds across all 3 bureaus, builds a removal strategy, and sends you a score-movement report every 30 days.

No. If you need an LLC and an EIN, the team sets them up as part of the buildout. That is the first step to establish business credit in the business name.

Six AI specialists each own one phase: intake, entity setup, bureau monitoring, tradelines and ordering, documents, and payments. A human Director reviews every phase and makes the judgment calls.

Every file is different. Once reporting vendors are stacked, the team targets a PayDex score of 80 or higher within 4 months. It is a target, not a promise.

That is the lender's call. Some lenders offer no-personal-guarantee options. Where they do, we point you to them.

We are Detroit-built. We work with founders across Metro Detroit, Grand Rapids, Lansing, all of Michigan, and the US.

A credit file with too few accounts for a lender to judge. You can have a good score and still have a thin file. The buildout adds accounts that report, so there is something to read.

It is Dun & Bradstreet's score for how a business pays its bills. It runs up to 100. A PayDex of 80 means bills get paid on time. The team targets 80 or higher within 4 months. It is a target, not a promise.

Accounts where a supplier lets the business pay the invoice within 30 days. Only vendors that report those payments build the file. AGT-04 orders 15 or more that report and stacks them in a smart order.

The lender. Every time. ThickAFCredit is not a lender. We build the file and make introductions to independent lenders whose published criteria match it.

During the cleanup you get a score-movement report every 30 days. AGT-03 watches the business credit bureaus the whole time. A human Director reviews every phase.

Yes. A human Director runs the team. The Director reviews every phase, makes the judgment calls, and takes your game-plan call.

Your free game-plan call is with a human Director. We reply within 1 business day to schedule.

One agent, one job. Each specialist owns one phase, so nothing gets blended or skipped. A human Director runs all six.

No. ThickAFCredit is not a lender. The team builds your file. Independent lenders make every funding decision.

A score is one number. Lenders also read the file behind it. If few accounts report, there is little to read. That is a thin file.

No. Every decision is the lender's. We build the file and introduce you to independent lenders whose published criteria match it.

Unlimited. Every round covers all 3 bureaus.

No. We do not promise scores or approvals. You get a removal strategy, unlimited dispute rounds, and a report every 30 days.

Yes. A business credit file starts with the entity, an EIN and a DUNS number. Then vendors that report payments build it.

That is the lender's call. If your personal file needs work, the cleanup comes first. Then the build.

No. The build continues from where you are. AGT-02 makes sure the listings and records lenders cross-check are set up right.

Vendors are not required to report payments to the business bureaus, and many never do. AGT-04 orders net-30 vendor accounts that do report.

A business line of credit. A business card. A term loan. Every decision is the lender's.