Over time, all credit accumulates. Personal credit, on the other hand, grows passively. If you have any form of personal debt or credit account, you have a personal credit score, whether it is good or bad. Almost all consumer credit accounts report your payments, or lack thereof, to credit reporting agencies. Business credit is not the same as personal credit. To begin with, you do not automatically have a company credit profile to which payments can be recorded. Payments are not reported on all company credit accounts. Only approximately 7% of business credit accounts disclose payments to business credit reporting bureaus. Of course, if you do not make payments, many of them will report you, but this does not help you create great company credit.