Financial Identity

The complete guide to personal credit, business credit and financing in the United States

Every day, millions of people work, earn an income, and pay their bills. Yet when it's time to apply for financing, they discover that another reality shapes their future: their financial identity. This book explains how banks and lenders truly assess your risk, and how to build a strong, lasting profile — both personal and business.

• The core principles of personal credit
• The mechanisms that shape your financial profile
• How to build solid business credit
• How banks and lenders analyze risk before trusting you