Business credit reports and personal credit reports are generally completely separate databases for legal reasons. However, there are some exceptions in terms of how independent that information may be:

-- If you are operating as a sole proprietor or Limited Liability Company, it is difficult to separate your personal and business credit. A corporation is a much better structure to build a completely independent business credit report.

-- Experian sells a credit score that is a combination of business owner's personal credit history and businesses' credit history.

In early years of a business, owner will almost certainly be required to personally guarantee loans. However, as you establish a strong business credit rating for your enterprise, you'll have more leverage to negotiate for a loan without your personal guarantee.

A warning: some people try to use business credit file to repeat bad credit habits.

For one thing, there are few secrets on net. Everyone seems to be prepared to help one another. If you are uncertain or have a problem, you only have to ask and there is always someone out there with answer.

If someone discovers a better or easier way of doing something, it will be common knowledge within days.

YOU ARE NOT ON YOUR OWN

If you are new to e-commerce I would recommend that you join one of affiliate programs that are prepared to teach you and show you what to do.

With all help and advice available out there, there is no reason why you should not make a good, steady, constantly increasing income in a very short time.

As you continue to learn time will come when you will want to branch out on your own.

That is when you will be glad to have income from affiliate programs to back you up.

There are far too many people trying to set up on their own without basic knowledge of running a business at all.

They look at adverts telling them how to become a millionaire whilst sitting in sun on a tropical beach. They try everything in sight only to become disillusioned and lose their money.

I know. I was once one of great band of losers when I first started.