Because April is National Financial Literacy Month, today’s Money tip will provide small business owners tips on smart credit decisions. As a business owner, your reputation is everything, so it’s important to monitor both your business and personal credit on a regular basis. It’s easy for incorrect or outdated information to appear on your credit report. Although it’s important to be sure both your personal and business credit reports are accurate, you should be careful not to mix the two. Doing so could put your personal finances at risk if your business is ever in trouble. If you’re a small business, your customers, suppliers and creditors may check your name with reporting agencies, such as Dun & Bradstreet. Be sure to create profiles with such companies and keep them up to date at all times. It’s also important to make sure your key vendors are reporting your payment history in a timely manner. Information from current relationships is what most often effects a person’s decision to do business with you.