Top Vendors for Credit Reports
Up-to-date business credit reports and exclusive D&B scores, whenever you need them. DNBi Professional demystifies credit reports and walks you through the evaluation process so you can easily make - and document - confident credit decisions.
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Get a business credit report, or obtain the credit report of another company. more »
Free credit reports can save you time and money by allowing you to plan effectively for the future, and the more frequently you check it, the faster you’ll be about catching an i… more »
Annual credit reports are services provided by the U.S. government to allow consumers to track the credit information and concordant ratings assigned to them by credit bureaus. more »
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Get StartedA credit bureau is an extremely useful tool for lenders and financial regulators. It assesses the spending and borrowing habits of the public by a variety of means into data that … more »
Business Credit Reports Key Terms
Uniform Commercial Code (UCC) filings
Businesses conduct UCC filings with their state's Secretary of State office. This nationwide database keeps track of when the business pledges collateral on a loan so lenders can see if there's a claim against the collateral offered on a pending loan.Inquiries
Every time your credit is checked by a third party, it's called an inquiry. Having too many inquiries on your credit report can actually lower your credit score.Dispute
If there is an error in your credit report, you have the right to dispute the information. Through an online database, you can dispute bankruptcies, credit accounts, collections, judgments, liens, inquiries and personal identification information.D-U-N-S Number
A D-U-N-S Number is a nine digit number that helps prove the credit worthiness of your business. It is recognized internationally to help identify your business and to set up your credit file.Credit rating
Your credit rating is a number determined by the quality of your credit. For example, if you're likely to pay back a loan, you'll receive a high credit rating. If you'll likely default on a loan, you'll receive a low credit rating.Secured credit
When you have secured credit, you have loans that are backed up by collateral. If your business credit is somewhat shaky, banks will not grant you an unsecured loan. They will require some sort of collateral.-
Tips & Advice for Credit Reports
As a business owner you may have always known that you need to keep an eye on your personal credit standing but how often have you checked your business credit reports? There are three major credit reporting agencies and each of them could have different information. You should obtain your business credit report from each of the agencies at least every 6 months. Credit scores can change in a short period of time.
Your business credit report will show you a score based upon several factors including your open and revolving accounts, payment history, recent inquiries and any collection actions that have been reported. One month of attempting to obtain credit for your business can lead to several inquiries which could lower your credit score temporarily. It’s important to only allow a possible creditor to run your business if you are sure that you want to work with them at that time. Don’t let too many inquiries stop you from getting the credit you need when you need it.
Use the handy links on the left side of this page to learn more about business credit, credit reports and credit strategies for your business. Just a personal credit is important for obtaining housing and vehicles, business credit is important for obtaining a lease, merchandise and even company cars. Don’t let your business credit get out of control, keep an eye on your credit rating and keep your accounts well in hand.
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