PIB TIP: KNOW YOUR CREDIT RATING. Get a copy of your credit report before you attempt to secure equipment financing. Your credit history could contain wrong or hurtful information that you’ll want to explain to a potential lender. Always be up front about your problems. Showing that you have overcome hard times demonstrates determination and strong character. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.