I learned a long time ago that the people bragging with the 800 scores usually do not own a Business...they work for the govt or the dmv.

Business owners have more hits on their personal credit for business purposes, like vendors etc and their scors swing widly.

I know millionaires who have bad credit because some of the risks they took in the past.

I think our President has a few bankruptcies on his hands, many business's folded ( I still like him) ..wonder if he would have ever got an A paper cash advance offer