CreditMomo focuses exclusively on business credit. We use your EIN (Employer Identification Number), not your SSN. We report to business credit bureaus, not personal ones. And instead of a revolving credit line or secured card, we operate as a B2B vendor — we deliver real business services and report your payments as a Net-30 trade account. This means you are building a legitimate vendor payment history that shows up on your Experian Business, Equifax Business, and D&B credit reports.