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well hello everyone thomas montgomery ii mfl the institute for improved minority financial literacy and its great to visit with you again were going to be talking today about building credit for small business this training is an important step towards building a better business as youll see over the next few minutes this module summarizes the importance of having both a good personal and business credit history for small business owners as lenders use different approaches to assess credit worthiness including personal and business credit histories this training has five sections that well go through its one of our little bit longer lessons modules but i think youll enjoy it so just step back and lets realize that this is the second of the four modules that we go through in the small business certification the first module you should have already completed that was on planning and then our action step for that was to actually begin your business plan and financial projections b