I’ve dealt with something similar last year when I expanded my catering biz. Took out a line of credit and didn’t think much of it affecting my personal stuff — until a missed payment showed up on my personal report. That’s when I dug in and found out more. There’s actually a good breakdown here on does a business line of credit affect personal credit if you're trying to figure out how it all connects. Since then, I’ve been super careful with payments — lesson learned.