Many people are simply not comfortable walking into a room full of strangers and striking up conversations. Here are five common stumbling blocks that you may face and tips to help you overcome them.

A RELUCTANCE TO TALK TO STRANGERS. You were taught at an early age not to speak to people you don't know. It's not safe. In certain situations today this is still good advice. In business, however, talking to strangers is a way to generate interest and support for your products and services. If you only talk to people you already know, you will miss out on opportunities to make new connections and establish valuable contacts.

To get past your discomfort in talking to strangers, set a goal for yourself before you attend any networking event. Decide how many new contacts you want to make or how many strangers you want to meet. In some cases, you may specifically target individuals whom you'd like to know.

Next come up with some icebreakers or conversation starters. Have questions prepared that you can ask anyone you meet at event. You may want to inquire about other people's business, their connection to sponsoring organization or their opinion of venue.

LACK OF A FORMAL INTRODUCTION. It's much easier to make a new contact when there is someone else to handle introduction and pave way. If you wait for another person to make move you may not meet anyone. At networking events, goal is to meet as many people as possible.

This is time to take bull by horns, walk up to people you don't know, introduce yourself and start a conversation. You can do this if you have prepared your self-introduction in advance.

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.