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Credit Scores Are Not Going to Get You a $50,000 Business Line of Credit
A high credit score means you get more of what you got. It's called peer lending. Since he has mostly retail and low value credit, you can go to any low value credit or any retail and get with a high score and get the best possible rates. You're never going to get a $50,000 business line of credit based on your Home Depot reputation. They want to know how you deal with cash before they make you a partner in the business.