Business credit is credit in a business name, linked to the business’s EIN number. This is credit which a business owner can get which is  not linked to their SSN. When built right, you don’t supply your SSN on the application, meaning there is no personal guarantee to get this kind of EIN credit.

When you apply for something like an auto loan, the lending institution pulls your personal credit using your name, address, and social security number. The lender sends this information to the consumer credit reporting agencies.