FICO score? I am a self employed photographer and own my own photography business. I have several personal credit cards and several business credit cards I use for business expenses. As I am preparing to buy a home I recently requested my credit reports and FICO scores from all three credit bureaus. I did not see my business credit cards showing up on any of the 3 credit reports. Why is this as I thought my "business" cards were just regular credit cards with the name of my business on them? Since I do have substantial balances on these cards from my business expenses will this effect my FICO score even though these business cards do not show up on my credit reports?

ok
first of all
90% of Business Credit cards that you apply for With Your Social Security Number only pull your credit to approve or deny you
THey will not show up on your personal credit unless you default on the cards

if there are cards that was done solely with your TaxID and DnB number then those should never show up on your credit

as long as you are in good standings with the cards u will be ok