Business Credit Management
We can eliminate your debt and restructure your business credit without loans. Avoid litigation and bankruptcy at no cost to you. Free evaluation.
TMC.BusinessDebtCounseling.com
Save
My Rating
We can eliminate your debt and restructure your business credit without loans. Avoid litigation and bankruptcy at no cost to you. Free evaluation.
TMC.BusinessDebtCounseling.com
Save
My Rating
Consumer and Business Credit Reports
Access consumer credit reports, business credit reports and more through one single site at MicroBilt.
www.MicroBilt.comSave
My Rating
Access consumer credit reports, business credit reports and more through one single site at MicroBilt.
www.MicroBilt.com
Save
My Rating
Business Credit Reports
Order business credit reports and compare credit cards online. Featured in "The Wall Street Journal," "USA Today" and PBS.
Bus Credit Cards
www.cardratings.comSave
My Rating
Order business credit reports and compare credit cards online. Featured in "The Wall Street Journal," "USA Today" and PBS.
Bus Credit Cards
www.cardratings.com
Save
My Rating
Free Credit Report
Maxed Out Credit Cards Can Lower Your Credit Score. See Yours for $0
www.FreeCreditReport.com
Maxed Out Credit Cards Can Lower Your Credit Score. See Yours for $0
www.FreeCreditReport.com
Free Online Credit Report
View your credit report & scores from all 3 bureaus in 60 seconds.
www.EzCreditSite.info
View your credit report & scores from all 3 bureaus in 60 seconds.
www.EzCreditSite.info
Business Credit Report
Let Dun & Bradstreet Work for You. Get a Business Credit Report Now!
DnB.com/reports
Let Dun & Bradstreet Work for You. Get a Business Credit Report Now!
DnB.com/reports
Business Credit Lines - FICO Score of 680+ Required
No derogatories allowed. Our prompt application process lets you find out your approved loan amount within 2 to 3 business days. 0% interest.
Home | About | FAQ | Original
www.DVNW.comSave
My Rating
No derogatories allowed. Our prompt application process lets you find out your approved loan amount within 2 to 3 business days. 0% interest.
Home | About | FAQ | Original
www.DVNW.com
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Full Service Background Checks
Access to a full range of information and research services needed to completely qualify applicants for rentals, employment and credit extension
www.amstiesonline.comSave
My Rating
Access to a full range of information and research services needed to completely qualify applicants for rentals, employment and credit extension
www.amstiesonline.com
Save
My Rating
Business Credit Score
We Build Business Credit Without The Use Of Your Personal Credit.
www.B2Bcredit.comSave
My Rating
We Build Business Credit Without The Use Of Your Personal Credit.
www.B2Bcredit.com
Save
My Rating
Free 3-in-1 Credit Report
View your credit report & scores From all 3 bureaus in 60 seconds.
FreeCreditReportsInstantly.com
View your credit report & scores From all 3 bureaus in 60 seconds.
FreeCreditReportsInstantly.com
Build Business Credit
No personal guarantee! Get business credit today. Trusted since 1977.
www.CompaniesInc.com
No personal guarantee! Get business credit today. Trusted since 1977.
www.CompaniesInc.com
A-Z Business Credit Reports Provider Directory
A
Full Service Background Checks
Access to a full range of information and research services needed to completely qualify applicants for rentals, employment and credit extension
www.amstiesonline.com
Access to a full range of information and research services needed to completely qualify applicants for rentals, employment and credit extension
www.amstiesonline.com
B
Business Credit Score
We Build Business Credit Without The Use Of Your Personal Credit.
www.B2Bcredit.com
We Build Business Credit Without The Use Of Your Personal Credit.
www.B2Bcredit.com
Business Credit Management
We can eliminate your debt and restructure your business credit without loans. Avoid litigation and bankruptcy at no cost to you. Free evaluation.
TMC.BusinessDebtCounseling.com
We can eliminate your debt and restructure your business credit without loans. Avoid litigation and bankruptcy at no cost to you. Free evaluation.
TMC.BusinessDebtCounseling.com
C
Business Credit Reports
Order business credit reports and compare credit cards online. Featured in "The Wall Street Journal," "USA Today" and PBS.
www.cardratings.com
Order business credit reports and compare credit cards online. Featured in "The Wall Street Journal," "USA Today" and PBS.
www.cardratings.com
Business Credit USA
Offers database of business credit reports on 14 million businesses.
www.credit.net
Offers database of business credit reports on 14 million businesses.
www.credit.net
D
Dun & Bradstreet Small Business Solutions
Provider of business information for credit, marketing, and purchasing decisions worldwide.
smallbusiness.dnb.com
Provider of business information for credit, marketing, and purchasing decisions worldwide.
smallbusiness.dnb.com
Business Credit Lines - FICO Score of 680+ Required
No derogatories allowed. Our prompt application process lets you find out your approved loan amount within 2 to 3 business days. 0% interest.
www.DVNW.com
No derogatories allowed. Our prompt application process lets you find out your approved loan amount within 2 to 3 business days. 0% interest.
www.DVNW.com
E
Equifax Business Solutions
Enables and secures global commerce through its information management, marketing services, direct to consumer, commercial and authentication businesses.
www.equifax.com
Enables and secures global commerce through its information management, marketing services, direct to consumer, commercial and authentication businesses.
www.equifax.com
Business Credit
Euler Hermes ACI provides accounts receivable insurance to protect your company against domestic and overseas customer insolvency and non-payment.
www.eulerhermes.com/usa
Euler Hermes ACI provides accounts receivable insurance to protect your company against domestic and overseas customer insolvency and non-payment.
www.eulerhermes.com/usa
I
iBank: Order Credit Reports
Order personal, business, or business customer's credit reports.
www.ibank.com
Order personal, business, or business customer's credit reports.
www.ibank.com
M
Consumer and Business Credit Reports
Access consumer credit reports, business credit reports and more through one single site at MicroBilt.
www.MicroBilt.com
Access consumer credit reports, business credit reports and more through one single site at MicroBilt.
www.MicroBilt.com
S
SmartBusinessReports From Experian
Experian's business credit reports provide business background, comprehensive financial information and credit risk facts in an easy-to-read, online format.
www.smartbusinessreports.com
Experian's business credit reports provide business background, comprehensive financial information and credit risk facts in an easy-to-read, online format.
www.smartbusinessreports.com
T
TransUnion Business Solutions
Helps businesses around the world make better business decisions at every stage of the customer lifecycle, including acquisition, customer management, collections and throughout the entire residential loan process.
www.transunion.com
Helps businesses around the world make better business decisions at every stage of the customer lifecycle, including acquisition, customer management, collections and throughout the entire residential loan process.
www.transunion.com
Free Credit Report
Maxed Out Credit Cards Can Lower Your Credit Score. See Yours for $0
www.FreeCreditReport.com
Maxed Out Credit Cards Can Lower Your Credit Score. See Yours for $0
www.FreeCreditReport.com
Free Online Credit Report
View your credit report & scores from all 3 bureaus in 60 seconds.
www.EzCreditSite.info
View your credit report & scores from all 3 bureaus in 60 seconds.
www.EzCreditSite.info
Business Credit Report
Let Dun & Bradstreet Work for You. Get a Business Credit Report Now!
DnB.com/reports
Let Dun & Bradstreet Work for You. Get a Business Credit Report Now!
DnB.com/reports
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Guide to Your Business Credit Report
How to get one, see yours or make it better
Dear Dan — A supplier I want to use isn’t offering their best terms because they couldn’t find a credit report on our business at the reporting agencies. We’re a young business, so I guess we don’t have one yet. Should we? — Reportless
Dear Reportless: Maintaining a good credit rating for your business is always important – but even more so in times when credit becomes tighter and more difficult to obtain on affordable terms. For small business owners seeking financing of almost any kind, a clean credit report goes a long way toward hearing “yes.”
Banks and other lenders are relying more and more on credit scores produced by major credit reporting agencies when making loan decisions. The reason is simple: It lowers their risk.
Having good business credit (in addition to personal credit) can save you money. Lenders and vendors extend better terms to good credit risks and are less likely to demand personal guarantees.
For many business owners, however, and especially startups, credit reports and ratings are alien territory. How do credit reports “happen” anyhow? Does your business even have one? If so, what’s in it and what can you do to assure it’s accurate?
Here’s a short-course in business credit ratings and reports:
What are they? A credit report on your business shows how you manage your financial obligations. Banks, credit card companies, utilities, phone companies and thousands of other business service providers report information on your business to the major credit reporting firms: D&B, Experian, Equifax and TransUnion. The credit reporting firms compile the data into standardized reports and create scores.
Do you have one? If you’re not sure, just check. You can search in the business sections of the credit reporting company websites. Generally, it’s free to simply find out if your business is in the database. But you may have to pay for a copy of a detailed report.
What’s in it? Financial information, such as major suppliers you deal with, outstanding balances, credit lines or business loans, your payment habits and trends (have you’re payments become slow lately, for example). Credit reports may also compare your payment performance with industry standards, and include “public record” information such as liens, judgments or bankruptcies. Basic demographic data will be there, such as years in business, type and size of business.
Scoring ABCs: D&B calculates a Paydex score as a key indicator of business payment performance on a 0-100 scale. The higher the score, the better. A business that always pays right on time might score an 80; above that you’d be paying early. So anything above, say, a 70 is considered pretty good in the eyes of potential creditors. Below that, and you’re a slow payer. But to even have a Paydex score, at least four companies must be reporting your pay habits to D&B.
A business credit report may also include a “DBT” score, which stands for “Days Beyond Term.” DBT is a weighted average number of days beyond the due date that a business pays its bills. Experian, for example, calculates DBT at +30 days. Thus, a DBT score of 5 means that the business pays its bills an average of 35 days after invoicing.
Establishing or improving a score: The credit agencies themselves, along with a variety of other services will help you establish a business credit report, including a full credit report with payment references, for a fee. According to Experian, however, one of the best ways to build and protect your business credit is to simply pay your utility bills on time. An easy way to do that is to sign up for automatic bill pay through your bank; no worries about late payments dragging down your credit score.
These resources can help:
Dear Reportless: Maintaining a good credit rating for your business is always important – but even more so in times when credit becomes tighter and more difficult to obtain on affordable terms. For small business owners seeking financing of almost any kind, a clean credit report goes a long way toward hearing “yes.”
Banks and other lenders are relying more and more on credit scores produced by major credit reporting agencies when making loan decisions. The reason is simple: It lowers their risk.
Having good business credit (in addition to personal credit) can save you money. Lenders and vendors extend better terms to good credit risks and are less likely to demand personal guarantees.
For many business owners, however, and especially startups, credit reports and ratings are alien territory. How do credit reports “happen” anyhow? Does your business even have one? If so, what’s in it and what can you do to assure it’s accurate?
Here’s a short-course in business credit ratings and reports:
What are they? A credit report on your business shows how you manage your financial obligations. Banks, credit card companies, utilities, phone companies and thousands of other business service providers report information on your business to the major credit reporting firms: D&B, Experian, Equifax and TransUnion. The credit reporting firms compile the data into standardized reports and create scores.
Do you have one? If you’re not sure, just check. You can search in the business sections of the credit reporting company websites. Generally, it’s free to simply find out if your business is in the database. But you may have to pay for a copy of a detailed report.
What’s in it? Financial information, such as major suppliers you deal with, outstanding balances, credit lines or business loans, your payment habits and trends (have you’re payments become slow lately, for example). Credit reports may also compare your payment performance with industry standards, and include “public record” information such as liens, judgments or bankruptcies. Basic demographic data will be there, such as years in business, type and size of business.
Scoring ABCs: D&B calculates a Paydex score as a key indicator of business payment performance on a 0-100 scale. The higher the score, the better. A business that always pays right on time might score an 80; above that you’d be paying early. So anything above, say, a 70 is considered pretty good in the eyes of potential creditors. Below that, and you’re a slow payer. But to even have a Paydex score, at least four companies must be reporting your pay habits to D&B.
A business credit report may also include a “DBT” score, which stands for “Days Beyond Term.” DBT is a weighted average number of days beyond the due date that a business pays its bills. Experian, for example, calculates DBT at +30 days. Thus, a DBT score of 5 means that the business pays its bills an average of 35 days after invoicing.
Establishing or improving a score: The credit agencies themselves, along with a variety of other services will help you establish a business credit report, including a full credit report with payment references, for a fee. According to Experian, however, one of the best ways to build and protect your business credit is to simply pay your utility bills on time. An easy way to do that is to sign up for automatic bill pay through your bank; no worries about late payments dragging down your credit score.
These resources can help:
- Experian just launched a helpful new website called BusinessCreditFacts.com with questions and answers about establishing and maintaining business credit. There’s also a tool to submit requests to update a business credit report, and ways to sign up for fee-based credit monitoring services.
- D&B has the largest business database of anyone, and most companies seeking to check your business credit profile will go here. You can get listed in the database with a unique DUNS number (an internationally recognized identifier) for free; or sign up for D&B’s CreditBuilder service that will help you build a complete credit profile.
- Your Business Credit specializes in helping small businesses establish or improve their D&B credit ratings.
FEATURED LISTINGS
Business Credit Management
We can eliminate your debt and restructure your business credit without loans. Avoid litigation and bankruptcy at no cost to you. Free evaluation.
We can eliminate your debt and restructure your business credit without loans. Avoid litigation and bankruptcy at no cost to you. Free evaluation.
Consumer and Business Credit Reports
Access consumer credit reports, business credit reports and more through one single site at MicroBilt.
Access consumer credit reports, business credit reports and more through one single site at MicroBilt.
Business Credit Reports
Order business credit reports and compare credit cards online. Featured in "The Wall Street Journal," "USA Today" and PBS.
Bus Credit Cards
Order business credit reports and compare credit cards online. Featured in "The Wall Street Journal," "USA Today" and PBS.
Bus Credit Cards
Business Credit Lines - FICO Score of 680+ Required
No derogatories allowed. Our prompt application process lets you find out your approved loan amount within 2 to 3 business days. 0% interest.
Home | About | FAQ | Original
No derogatories allowed. Our prompt application process lets you find out your approved loan amount within 2 to 3 business days. 0% interest.
Home | About | FAQ | Original
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