How to check a business credit score

bank credit score 1000x480 - How to check a business credit score

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How to check a business credit score

Published By Janet Gershen-Siegel at February 28, 2018

bank credit score 1000x480 - How to check a business credit score>

Do you know how to check a business credit score? Here are practical and easy to follow ways to stay on top of this vital information – information which can make or break a company.

Your best option as a company owner is to remain on top of your business credit reports from PAYDEX, Equifax, and Experian. There are three big credit reporting agencies for small business and you absolutely ought to check all three of them regularly as they use marginally different benchmarks so moving the needle for one can move the needle for both of the others, though possibly not as much. Do not let your company credit scores slide, as you have to catch any mistakes soon as you can, as well as spot anything which is pulling your scores downward and after that take remedial action. You can obtain your reports easily and stay right on top of all three scores by following a few uncomplicated steps.


Dun & Bradstreet’s PAYDEX score of your business can end up being one of the main reasons that your company receives credit at all. D & B offers Credit Signal, which is a method to monitor your credit score by having the reports come immediately to you, for a charge. You may find the fee is well worth it in order to avoid the inconveniences that can come from letting this score slip, and to not have to create and handle the organizing and reminders you might need to keep up with if you do not utilize it.

Don’t want to make use of Credit Signal? Not to worry, as you can get your PAYDEX report by way of D & B and, if needed, you can speak with their Customer Service department (this department exists as a part of Dun & Bradstreet itself). Plus, in order to review your PAYDEX report, check out what D & B provides, which is a specimen report and even some higher level ideas in exactly how to interpret it.


Equifax, one of the large credit reporting bureaus, supplies a risk monitoring service which is more convenient as it allows for reports to go directly to you. If you do not wish to shell out money for regular reports, you can alternatively order your business’s Equifax report. Also, if you need to challenge your business’s Equifax report, you can do so by abiding by the directions on their website. You can learn how to read through your Equifax report by having a look at a specimen of their reports.


Experian, one more big credit reporting bureau, also provides a method for acquiring reports sent to you for a fee. As a result you can keep an eye on your Experian small business credit score here and the setup is effortless. On the other hand, if you prefer to not get ongoing reports (and purchase them), then you can order a distinct Experian report for your business on their site. Also, if there are any complications or errors, you can question any problems on your company’s Experian report if you follow the directions on their website. Find out about reading through your Experian report by evaluating an example Experian business credit report.

In some cases, it pays to hand over a few bucks in order to make sure you obtain your company credit reports consistently. It’s a lot less troublesome than have to remember to do this and you’ll probably inspect these reports more closely, as they come at a cost. Keep on track and use the tools these credit reporting firms supply, and make your life easier. It goes without saying, you’ve already got enough on your plate.

Thanks to the recent data breach, there are even more reasons to inspect your business credit reports and your personal credit reports, and be vigilant about any mistakes you detect.

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