Question 1

What is Ruproa?

Accepted Answer

Ruproa is a business financial platform built for entrepreneurs who have recently formed their first LLC or corporation. We help you build and monitor your business credit profile — without requiring your Social Security Number. Monitoring covers the major business credit bureaus, including Creditsafe, Equifax Business, and Dun & Bradstreet. The platform also includes educational courses, a financial services marketplace, and a funding access network, with AI-powered tools coming soon.

Question 2

Who is Ruproa designed for?

Accepted Answer

Ruproa is built for early-stage business owners — entrepreneurs who have recently registered an LLC or corporation and are beginning to establish their business financial identity. Whether you are pre-revenue or in your early growth stage, Ruproa gives you the foundation to build business credit, access financing, and make informed financial decisions from day one.

Question 3

What do I need to sign up?

Accepted Answer

To create a Ruproa account you need: your business name and legal entity type (LLC, S-Corp, C-Corp, etc.), your EIN (Employer Identification Number), a valid business email address, and your business address. Your business must be a registered legal entity to access credit monitoring features. No SSN is required.

Question 4

Do I need an SSN to sign up?

Accepted Answer

No. Ruproa is built around EIN-only applications. You apply using your Employer Identification Number, which keeps your personal credit score completely separate from your business activities from day one. This is one of Ruproa's core differentiators — your personal financial identity is never put at risk.

Question 5

What is an EIN and how do I get one?

Accepted Answer

An EIN (Employer Identification Number) is your business's federal tax ID issued by the IRS. It is required to sign up for Ruproa and to apply for business credit. You can obtain a free EIN instantly at irs.gov — the online application takes about 10 minutes. If you have recently registered your LLC or corporation, you likely already have one.

Question 6

What is a DUNS number and do I need one?

Accepted Answer

A DUNS (Data Universal Numbering System) number is Dun & Bradstreet's unique nine-digit identifier for your business. It is required to establish your D&B credit profile, one of the major business credit bureaus Ruproa monitors. You can register for a free DUNS number at dnb.com. Ruproa walks you through this step during onboarding if you do not already have one.

Question 7

How long does setup take?

Accepted Answer

Creating your account takes less than five minutes. Once your business details are verified, your business credit profile will typically begin populating within 24–48 hours. Some bureau data may take slightly longer depending on how recently your business was registered and whether your DUNS number is already established with D&B.

Question 8

Is Ruproa available in all states?

Accepted Answer

Yes. Ruproa is available to legally registered businesses throughout the United States. Some financial service providers in our marketplace may have state-specific availability, which is noted on each provider's listing.

Question 9

What makes Ruproa different from competitors like Nav?

Accepted Answer

Unlike monitoring-only tools, Ruproa combines business credit monitoring, automatic tradeline reporting, an educational course library, and a financial services marketplace — all in one platform. We require no SSN and are built specifically for early-stage entrepreneurs. Monitoring and reporting cover the major business credit bureaus, including Creditsafe, Equifax Business, and Dun & Bradstreet.

Question 10

Can I use Ruproa if my business was just registered?

Accepted Answer

Absolutely — that is exactly who Ruproa is built for. The earlier you start building your business credit profile, the stronger your financial foundation will be when you need access to capital. Many credit-building strategies are most effective in the first 6–12 months of a new business.

Question 11

Is there a free trial or free plan?

Accepted Answer

Ruproa offers a Starter plan at $19 per month. Visit ruproa.com/pricing to see what each plan includes. We periodically offer introductory promotions — check our website or contact service@ruproa.com for current offers.

Question 12

What is business credit and why does it matter?

Accepted Answer

Business credit is a financial profile tied to your business entity and EIN — completely separate from your personal credit. It reflects how reliably your business pays its obligations to vendors, creditors, and lenders. A strong business credit profile lets you access financing at better rates, open vendor accounts without personal guarantees, and protect your personal finances from your business's financial obligations.

Question 13

How is business credit different from personal credit?

Accepted Answer

Personal credit reflects your individual financial history using your SSN, and is tracked by the consumer credit bureaus. Business credit is tied to your EIN and tracked by commercial bureaus including D&B, Equifax Business, and Creditsafe. They are legally distinct. Once your business credit is strong enough, lenders evaluate your business on its own — without your personal score entering the conversation.

Question 14

Can my business credit affect my personal credit score?

Accepted Answer

In most cases, business credit activity does not appear on your personal credit report. Exceptions include: signing a personal guarantee on a business loan and defaulting, using a personal credit card for business expenses, or holding a business credit card that also reports to personal bureaus. Ruproa's EIN-only model is specifically designed to keep this separation clean from day one.

Question 15

How do I start building business credit from scratch?

Accepted Answer

The foundational steps are: get your EIN from the IRS, register with Dun & Bradstreet to get your DUNS number, open a dedicated business bank account in your business name, get a business credit card and pay it in full monthly, open net-30 vendor accounts with suppliers who report to business bureaus, and ensure your business information is consistent across all filings. Ruproa automates the reporting step and provides courses covering the complete strategy.

Question 16

How long does it take to build a strong business credit profile?

Accepted Answer

With consistent effort, most businesses establish a solid foundational profile within 12–18 months. A well-rounded profile with multiple tradelines typically develops over 2–3 years. The earlier you start, the better positioned you will be when you need capital.

Question 17

What factors hurt my business credit score?

Accepted Answer

The most common negative factors are: late or missed payments to vendors and creditors, high credit utilization, tax liens or UCC filings, judgments or bankruptcies, inconsistent business information across bureaus, and a short credit history. Ruproa surfaces the specific factors affecting each of your bureau scores so you know exactly what to address first.

Question 18

What is a personal guarantee and how do I avoid needing one?

Accepted Answer

A personal guarantee makes you personally liable for a business debt if the business cannot pay. Lenders require them from businesses with no established credit because they have no other way to assess risk. The goal of building strong business credit is to eventually qualify for financing without a personal guarantee — which Ruproa's tradeline reporting helps you achieve over time.

Question 19

What is credit utilization and how does it affect my scores?

Accepted Answer

Credit utilization is the percentage of your available business credit currently in use. Keeping utilization under 30% — ideally under 20% — is one of the most impactful ways to maintain and improve your business credit scores. High utilization signals financial stress to bureaus even if all payments are on time.

Question 20

Can competitors, vendors, or landlords check my business credit?

Accepted Answer

Yes. Unlike consumer credit, business credit reports can generally be accessed by anyone without your consent — lenders, suppliers, landlords, and potential partners can all review your profile at any time. This is why active monitoring and quick dispute resolution matter. Ruproa keeps you informed of any changes to your profile.

Question 21

What is a net-30 account and why is it important?

Accepted Answer

A net-30 account is a trade credit arrangement where you receive goods or services and have 30 days to pay. Vendors who offer net-30 terms and report payments to business credit bureaus are one of the fastest and easiest ways to build tradeline history for a new business. Consistent on-time payments across several net-30 accounts form the foundation of a strong business credit profile.

Question 22

What is the difference between secured and unsecured business credit?

Accepted Answer

Secured business credit is backed by collateral — assets the lender can claim if you default. Unsecured credit requires no collateral and is granted based on your creditworthiness alone. Most early-stage businesses start with secured products (secured business credit cards, equipment loans) and graduate to unsecured credit as their profile strengthens. A strong Ruproa credit profile accelerates access to unsecured products.

Question 23

Does my business structure (LLC vs S-Corp vs C-Corp) affect my credit?

Accepted Answer

Your business structure determines your legal separation from personal liability, but all registered entities can build business credit. LLCs, S-Corps, and C-Corps can all have EINs and establish bureau profiles. Sole proprietorships are trickier — some bureaus require a formal entity registration to build a distinct business profile. Ruproa works with all legal business entity types.

Question 24

Which bureaus does Ruproa monitor?

Accepted Answer

Ruproa monitors the major business credit bureaus, including Creditsafe, Equifax Business, and Dun & Bradstreet (D&B). All bureau coverage is included with your paid plan. See ruproa.com/pricing for full plan details.

Question 25

What is a D&B PAYDEX score?

Accepted Answer

The PAYDEX score is Dun & Bradstreet's payment performance rating, ranging from 0 to 100. A score of 80 means you consistently pay on time. Scores above 80 indicate early payment. Scores below 80 indicate late payment patterns. It is one of the most widely referenced business credit scores and is almost entirely driven by payment history reported by your vendors and suppliers. Aim for 80 or above as your baseline.

Question 26

What is the Equifax Business Credit Score?

Accepted Answer

Equifax produces several commercial scores including the Business Credit Risk Score and Business Failure Score. These numerical scores help lenders assess the likelihood of delinquency or business failure. Ruproa displays your current Equifax business score and tracks changes over time.

Question 27

What is Creditsafe and why does it matter?

Accepted Answer

Creditsafe is a global business credit bureau with strong U.S. and international coverage. Their scores range from 0 to 100. Many international vendors, enterprise procurement teams, and European financial partners use Creditsafe as their primary reference. Having a Creditsafe profile establishes your business's credibility with a broader global network.

Question 28

Why are my scores different across bureaus?

Accepted Answer

Each bureau uses its own proprietary scoring model, pulls from different data sources, and updates on different schedules. Different scores across D&B, Equifax, and Creditsafe is completely normal — they are measuring the same business but through different data lenses. Focus on the trend over time on each bureau rather than exact number alignment between them.

Question 29

How often does Ruproa update my scores?

Accepted Answer

Ruproa updates your scores monthly as new bureau data becomes available. The exact timing depends on when your creditors and vendors report to each bureau — some update mid-month, others at the start of a new cycle. You will receive a notification when a score changes.

Question 30

What score ranges are considered good?

Accepted Answer

General benchmarks: PAYDEX (D&B) — 80 to 100 is good to excellent. Equifax Business Credit Risk — lower numerical scores indicate lower risk. Creditsafe — 70 to 100 is low risk. Ruproa's dashboard provides context for each score relative to these benchmarks.

Question 31

How do I dispute an error on my business credit report?

Accepted Answer

You have the right to dispute inaccurate information directly with the reporting bureau. Each has its own process: D&B disputes at dnb.com, Equifax Business at equifax.com/business, and Creditsafe at creditsafe.com. Ruproa cannot alter bureau data directly, but our team can help you understand what to dispute and prepare your documentation. Contact service@ruproa.com for dispute guidance.

Question 32

Why does my business have no credit profile yet?

Accepted Answer

Newly registered businesses typically have no bureau profile until they establish trade accounts, obtain a DUNS number, and have payment history reported. Having a blank or unestablished profile in your first few months is completely normal. Ruproa's monthly reporting begins building your bureau files from the moment you connect your accounts.

Question 33

How does Ruproa report to the bureaus?

Accepted Answer

Ruproa transmits authorized payment history to its business credit bureau partners on a monthly cycle. You do not need to do anything manually — reporting happens in the background once your account is set up and verified.

Question 34

What is a tradeline?

Accepted Answer

A tradeline is any credit account that appears on your business credit report — vendor accounts, business credit cards, loans, lines of credit, or any other credit facility. Each tradeline reported with positive payment history strengthens your business credit profile. The number of tradelines, their age, and your payment consistency across them are major factors in your scores.

Question 35

How does Ruproa's automatic tradeline reporting work?

Accepted Answer

Ruproa reports your connected business account payment history to the credit bureaus on your behalf every month. Once your accounts are set up in your dashboard, reporting happens in the background — no manual steps required. Each on-time payment becomes a positive update to your bureau files.

Question 36

Which accounts get reported?

Accepted Answer

Ruproa reports business accounts and payment history that you authorize within your dashboard. We do not report personal accounts. To maximize your tradeline count, ensure all your business vendor relationships and credit facilities are connected in the platform. The more positive tradelines reported, the faster your profile builds.

Question 37

How many tradelines do I need for strong credit?

Accepted Answer

Most lenders want to see a minimum of three to five active, positive tradelines before approving business financing. Having more tradelines with consistent on-time payment history signals reliability. Net-30 vendor accounts are typically the most accessible starting point for businesses with no established credit history.

Question 38

How long before a new tradeline appears on my report?

Accepted Answer

After a payment is reported, it typically takes 30–60 days to appear on your bureau profile, though some bureaus update faster. Ruproa reports on a monthly cycle, so your first update should appear within one to two billing periods after connecting your accounts.

Question 39

Can negative tradelines be removed?

Accepted Answer

Accurate negative information cannot be removed before its natural expiration on your business credit report. However, you can dispute genuinely inaccurate or outdated negative entries directly with the reporting bureau. Adding new positive tradelines over time also dilutes the impact of older negatives as your overall profile grows.

Question 40

What is the difference between a hard pull and a soft pull?

Accepted Answer

A soft pull on business credit does not impact your scores — Ruproa uses soft pulls for all monitoring and internal checks. A hard pull (hard inquiry) occurs when a lender formally applies to access your full credit report, which can slightly lower your scores temporarily. Hard pulls appear on your bureau reports and are visible to other lenders. Ruproa always indicates the pull type before any inquiry is initiated.

Question 41

What are vendor tradelines and how do I get them?

Accepted Answer

Vendor tradelines come from suppliers who extend trade credit (net-30, net-60, or net-90 terms) and report your payments to business bureaus. Common starter vendors known to report include Uline, Quill, Grainger, and various office supply companies. Ruproa's course library covers vendor tradeline strategy in detail — including which vendors to prioritize based on your business type and existing profile.

Question 42

What is a UCC filing and how does it affect my credit?

Accepted Answer

A UCC (Uniform Commercial Code) filing is a lender's public notice that they hold a security interest in your business assets as collateral. Active UCC filings appear on your business credit reports and can concern other lenders who see their position as secondary. When you pay off a loan with a UCC filing, ensure the lender files a UCC termination promptly — otherwise it lingers on your record unnecessarily and can complicate future applications.

Question 43

What plans does Ruproa offer?

Accepted Answer

Ruproa offers three subscription tiers: Starter at $19/month (core monitoring), Professional at $49/month (multiple business profiles, deeper analysis, priority support), and Enterprise at $99/month (advanced analytics, premium reporting, dedicated account support). Every tier covers the major business credit bureaus — Creditsafe, Equifax Business, and D&B with monthly score updates. Annual billing is available on all plans with savings of up to 25%. Visit ruproa.com/pricing for full feature details.

Question 44

How does bureau coverage differ by plan?

Accepted Answer

Every paid tier covers the major business credit bureaus — Creditsafe, Equifax Business, and D&B — with monthly score updates. Plans differ in profile count, analytics depth, and support.

Question 45

What are the annual plan savings?

Accepted Answer

Annual billing saves 15% on Starter, 20% on Professional, and 25% on Enterprise compared to monthly billing. You pay for the full year upfront and service runs uninterrupted. Annual billing is the most cost-effective option if you are committed to building credit over the long term.

Question 46

What payment methods does Ruproa accept?

Accepted Answer

Ruproa accepts all major credit and debit cards — Visa, Mastercard, American Express, and Discover — processed securely through Stripe. Ruproa does not store or handle your card details. All payment data is managed exclusively by Stripe, a PCI-DSS Level 1 certified processor.

Question 47

How do I upgrade or downgrade my plan?

Accepted Answer

Go to Account Settings → Subscription → Change Plan. Upgrades take effect immediately. Downgrades take effect at the start of your next billing period. No proration is applied on plan changes.

Question 48

How do I cancel?

Accepted Answer

Cancel at any time from Account Settings → Subscription → Cancel Plan. Your access continues through the end of your current billing period. There are no cancellation fees or penalties. Contact service@ruproa.com if you have questions.

Question 49

What is the refund policy?

Accepted Answer

Monthly subscriptions are non-refundable for the current billing period. Annual subscriptions may be partially refunded — if you cancel an annual plan, any remaining full months that have not yet begun may be prorated and refunded. The current month is not refunded. If you believe you were charged in error, contact service@ruproa.com within 7 days of the charge.

Question 50

Will I receive a receipt after payment?

Accepted Answer

Yes — a billing receipt is sent to your account email after every successful charge. You can also view your full billing history in Account Settings → Billing. If you do not receive a receipt, check your spam folder or contact service@ruproa.com.

Question 51

How do I update my payment method?

Accepted Answer

Go to Account Settings → Billing → Update Payment Method. Add a new card and set it as your default at any time. The update is immediate and applies to your next billing cycle.

Question 52

Can I have multiple businesses on one account?

Accepted Answer

Currently each Ruproa account is associated with a single business entity. A separate account is required for each business you want to monitor. Multi-entity management is on our product roadmap. Contact service@ruproa.com to discuss your specific situation.

Question 53

Can I pause my subscription?

Accepted Answer

Ruproa does not currently offer a pause option. If you need to step away, you can cancel and re-subscribe at any time. Your business credit data on the platform is retained and accessible when you return.

Question 54

Why was I charged a different amount than expected?

Accepted Answer

This is most commonly related to a plan change, an annual vs. monthly billing switch, or a promotional code being applied or expiring. Review Account Settings → Billing for your charge history. If the discrepancy is not explained there, contact service@ruproa.com with the charge date and amount.

Question 55

What educational courses does Ruproa offer?

Accepted Answer

Ruproa offers a growing library of courses and digital resources covering business credit fundamentals, vendor tradeline strategy, funding access, financial independence for business owners, and more. All courses are live and accessible to members now through your account dashboard.

Question 56

How do I access my courses?

Accepted Answer

After signing up or purchasing, your courses are available immediately in your Ruproa account under My Library. You will also receive an access confirmation by email. Courses do not expire — they are available to you indefinitely.

Question 57

Are the courses self-paced?

Accepted Answer

Yes. All Ruproa courses are fully self-paced with no deadlines, live sessions, or expiration dates. Work through the content on your own schedule and return as many times as you need.

Question 58

What other digital products does Ruproa offer?

Accepted Answer

In addition to courses, Ruproa offers ebooks, document templates, and step-by-step guides designed to be immediately actionable for early-stage business owners. These cover topics including business credit building, vendor strategy, and funding preparation.

Question 59

Will course content be updated over time?

Accepted Answer

Yes. Courses and digital products are updated periodically to reflect changes in business credit guidelines, lending requirements, and regulatory updates. When a product you own is meaningfully updated, you receive access to the new version at no additional charge.

Question 60

Can I share a course with a business partner?

Accepted Answer

Digital products are licensed for single-user access and are for your personal business use only. Sharing, reproducing, or distributing purchased content is not permitted under Ruproa's Terms of Service.

Question 61

What is the refund policy for digital products?

Accepted Answer

Because digital products are delivered immediately, refunds are generally not offered unless the product was not delivered as described or there was a technical access issue. If you believe you qualify for a refund, contact service@ruproa.com within 7 days of purchase.

Question 62

I previously purchased courses or ebooks from MaverickOfficeSupplies. Where are they?

Accepted Answer

All digital products purchased on MaverickOfficeSupplies.com have been migrated to Ruproa and are accessible in your account under My Library. If a product you purchased on MOS is missing, contact service@ruproa.com with your original order details and we will restore your access.

Question 63

What features are coming to Ruproa soon?

Accepted Answer

Ruproa has several features in active development, including Score Alerts and Fraud Protection. These are not yet live but are on the roadmap for release. We will notify all members as each feature becomes available.

Question 64

What are Score Alerts?

Accepted Answer

Score Alerts is an upcoming feature that will notify you in real time whenever one of your bureau scores changes — whether a score improves, declines, or a new tradeline is added to your profile. This lets you stay on top of your credit without manually checking your dashboard. It is currently in development.