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Your Question How do I run a credit check on a business

Published By Janet Gershen-Siegel at December 14th, 2017

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You Got This: exactly how to conveniently pull and assess business credit reports

Your best bet as a small business owner is to remain on top of business credit reports from PAYDEX, Equifax, and Experian. There are three big credit reporting agencies for small business and you really need to check all three of them regularly as they use moderately different yardsticks so moving the needle for one can move the needle for both of the others, although maybe not as much. Do not allow your small business credit scores slide, as you need to catch any mistakes as soon as you can, as well as detect anything which is pulling scores down then afterwards take remedial action. You can obtain reports conveniently and stay right on top of all three scores by following a few easy steps.


Dun & Bradstreet’s PAYDEX score of a company can end up being among the main reasons why a small business obtains credit in any way. D & B furnishes Credit Signal, which is a way to track a credit score by having the reports come straight to you, for a price. You may find the fee is well worth it in order to avoid the headaches that can spring from letting this score slip, and to not have to produce and stay on top of the organizing and reminders you might need to keep track of if you don’t make use of it.

Don’t wish to make use of Credit Signal? That’s fine, as you can obtain a PAYDEX report by way of D & B and, if needed, you can connect with their Customer Service department (this department exists as a section of Dun & Bradstreet itself). On top of that, in order to review a PAYDEX report, check out what D & B provides, which is a sample report and even some higher level recommendations in how you can analyze it.


Equifax, one of the large credit reporting firms, offers a risk monitoring service which is easier as it allows for reports to come straight to you. If you do not wish to purchase continual reports, you can instead order a business’s Equifax report. Also, if you have to question a company’s Equifax report, you can do so by adhering to the information on their web site. You can learn to evaluate anEquifax report by exploring a sample of their reports.


Experian, another big credit reporting bureau, also offers a way for getting reports sent to you for a cost. Therefore you can track an Experian small business credit score and the setup is simple. On the other hand, if you would rather not get ongoing reports (and purchase them), then you can order a single Experian report for a company on their site. Also, if there are any complications or matters of contention, you can question any mistakes on a company’s Experian report if you follow the instructions on their web site. Learn about assessing aExperian report by reviewing an example Experian company credit report.

Often, it pays to hand over a few dollars so as to ensure that you acquire company credit reports on a regular basis. It’s a lot easier than have to remember to do this and you’ll probably look at these reports more carefully, as they come with a price tag. Stay on target and use the resources these credit reporting bureaus supply, and make your life easier. Because, you’ve already got enough on your plate.

A result of the recent data breach, there are all the more reasons to examine small business credit reports and personal credit reports, and be vigilant about any errors you discover.

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