Many entrepreneurs start to get credit through personal loans. To access the best conditions you need to improve your credit score. The credit rating is like trust, takes time to build, but can easily be destroyed. Unless there are errors, you can not change the past actions that caused the low rating of your current credit. However, you can improve it.
There are many organizations in the community, honest, and non-profit organizations that can provide individual assistance to help you improve your credit. Beware of organizations that charge large upfront fees, which make unrealistic promises, and that lack accreditation credentials. To find a reputable credit counselor can consult The National Foundation for Consumer Credit.