I am about to close on my first rental property. I am planning to create an S corp from the advice of a CPA. My question is, I've been searching for 5 tradelines for my new corp to get Paydex credit. However, I think the recent credit crunch, a lot of companies now require personal guarantee if the business is less than 2 years of operation. I've searched this forum, and there are old posts, most of them lists companies and stores, however when I look their business accounts up they want a personal guarantee for under 2 years. Can anyone get me a list of tradlines that are recent that has worked?

Also....
So, if you create this corporation and some day hope to take a business loan in the corporation's name without a personal guarantee. Even if you have a good business credit score, how do you show the bank that it has income coming in when you have a mortgage that is in your name? Some say refinance, transfer, and put it in the corporation, however I hear that some banks can call in the loan, plus Pennsylvania has a 2% transfer tax. :cry:

My accountant talked briefly about "capital gains"? Can I just put my own personal money into my corporation's bank account?

Thanks!