Where is Business Credit Reported

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Where is Business Credit Reported

Published By Janet Gershen-Siegel at November 8, 2017

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As a small business owner, you’ve got a million things to do each day, even before you get up in the morning. Evaluating your business credit scores seems like it would be the last thing on your mind, behind everything from making shipments to handling payroll to hiring new workers. But you should not just let your business credit scores slide.

By keeping on top of your business credit scores, you can get better credit terms or even get a favorable credit decision at all. Plus you can address any mistakes in the reports before they affect your score. Additionally, you can deal with anything that’s dragging your score down, such as overdue payments. But business credit scores come from where?

Business credit score reports

To keep on top of your business credit scores, you will need to keep on top of three separate reports: Experian, Equifax, and your business’s PAYDEX report. Save this page and keep these Web pages handy, as this is a continuous process and is not a one-time thing.


Experian is one of the big credit reporting agencies; they report on both business and personal credit scores (so this applies to following up on your personal credit score, which you should also be doing). Be sure to order your company’s Experian report here. And if there are any problems or issues, you can dispute any errors on your or your company’s Experian report by following the directions here. You can monitor your Experian business credit score here more easily as they will send the reports right to you.


Dun & Bradstreet’s PAYDEX score of your company can end up being the why your business gets credit– or it does not. This is the only one of the big credit reporting agencies for businesses which doesn’t also report on individuals’ credit scores (the third reporting service for individuals is TransUnion). You can get your PAYDEX report here and, if you need to, you can contact their Customer Service department (this department is a part of Dun & Bradstreet itself) here. Also, D & B’s PAYDEX Customer Service phone number is here.

D & B also offers Credit Signal, a means of keeping track of your credit score by having the reports come directly to you.


Equifax is another one of the big credit reporting agencies, and they also cover personal credit scores, so you can check those, too, while you’re at it. Don’t forget to order your business’s Equifax report here. If you need to dispute your or your company’s Equifax report, you can do so by following the instructions here. Equifax offers a risk monitoring service here which is more convenient as it allows for reports to come straight to you.

Don’t leave your business credit scores to chance. Keep on top of them and make business credit work for you.

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