How to check your business credit

Repair Business Credit 1080x480 - How to check your business credit

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How to check your business credit

Published By Janet Gershen-Siegel at November 12, 2017

Repair Business Credit 1080x480 - How to check your business credit>

Your best option as a company owner is to stay on top of your small business credit reports from PAYDEX, Equifax, and Experian. There are three big credit reporting agencies for businesses and you absolutely should assess all three of them regularly as they use slightly different yardsticks, consequently moving the needle for one can move the needle for both of the others, although maybe not as much. Do not let your business credit scores slide, as you must catch any inaccuracies as soon as you can, as well as locate anything which is dragging your scores downward then afterwards take remedial action. You can obtain your reports conveniently and stay right on top of all three scores by following a few uncomplicated steps.


Dun & Bradstreet’s PAYDEX score of your small business can end up as one of the primary reasons why your business acquires credit in any manner. D & B provides Credit Signal, which is a means to monitor your credit score by having the reports come immediately to you, for a cost. You may find the cost is well worth it to avoid the worries that can come from letting this score slip, and to not have to create and manage the schedules and reminders you might need to stay on top of if you don’t use it.

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


Equifax, one of the major credit reporting bureaus, supplies a risk monitoring service which is easier as it enables reports to go straight to you. If you don’t want to pay for continual reports, you can as an alternative order your company’s Equifax report. In addition, if you need to challenge your business’s Equifax report, you can do so by following the directions on their website. You can learn to go over your Equifax report by looking into a sample of their reports.As a result of the recent Equifax data breach, there are even more reasons to peruse your company and individual credit reports, and be vigilant about any issues you detect.


Experian, another big credit reporting agency, also offers a method for getting reports sent to you for a charge. Therefore you can monitor your Experian small business credit score and the setup is simple. On the other hand, if you prefer to not get continuing reports (and pay for them), then you can order a single Experian report for your small business on their web site. Likewise, if there are any problems or issues, you can contest any mistakes on your small business’s Experian report if you follow the instructions on their website. Learn about examining your Experian report by checking a sample Experian small business credit report.

Sometimes, it pays to hand over a few dollars so as to ensure that you get your small business credit reports on a regular basis. It’s a lot less complicated than have to always remember to do this and you’ll probably take a look at these reports more carefully, as they come at a price tag. Keep on track and utilize the resources these credit reporting firms offer, and make your life easier as you check your business credit scores. After all, you’ve already got enough on your plate.

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