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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: Kathrin Ziegler/Getty Images May 04, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Consumer credit scores can be complicated to understand, yet you’ll need to digest another layer of information if you’re a business owner or hoping to become one. Just like you are assigned a credit score based on your individual creditworthiness, businesses also have a credit score to denote their overall credit health. Business credit scores are used for the same purpose as credit scores for individuals. If you apply for a or a , the company you apply for credit with will use your business credit score to determine the creditworthiness of your business as well as your interest rate and loan terms. Like personal credit scores, higher are always better when it comes to getting the best rates and terms. However, while personal credit scores typically fall between 300 and 850, business credit scores typically range on a scale from one to 100. How to check your business credit score
Several third party companies make it possible for you to access a business credit report online. Each provider lets you see a version of your business credit score, and some offer multiple packages that let you gain access to more credit features and information. If you want to and are wondering where you’re starting from, you can consider the following paid options: Dun & Bradstreet
offers several services to help you monitor and manage your business credit score. While you can pay $39 per month for their top tier D&B CreditMonitor plan, they also offer a CreditSignal Plus plan for $15 per month and a basic CreditSignal plan for free. Each of these plans let you view and monitor your Dun & Bradstreet business credit scores over time, and the top tier plans include added perks like dark web monitoring, industry benchmarking and notifications about damaging business events. Thanks to its online platform, Dun & Bradstreet makes it easy to sign up for an account and get started. Overall, this company is best for someone who wants to see their business credit score and monitor changes to their business credit profile over time. Experian
is another provider that lets you view your business credit score or monitor your business credit profile for a fee. For a one-time charge of $39.95, you can view your business credit score and gain an overview of your business profile. This plan, called a CreditScore Report, is a good option if you just want to see your business credit score but you don’t necessarily want to monitor its movements over time. You can also pay $49.95 per month for a more comprehensive business credit score monitoring plan that includes information on credit inquiries and detailed tradeline data. An annual plan with unlimited business credit score access, credit alerts, ongoing tracking and more can also be purchased for $189 per year. Equifax
lets you order a single business credit report on their website, although you’ll need to make a customer service inquiry to learn about pricing. These reports are packed with comprehensive information including a company profile, a credit summary, details on public records, Equifax business risk scores, alternate business names and more. Business reports from Equifax also include a unique Business Failure Score, which tries to predict how likely it is for a business to fail through “formal or informal bankruptcy” over the next 12 months. Are there any free options for checking a business credit score
There are a few free business credit scoring services, but keep in mind that free reports tend to be lighter in terms of what they include. Still, they can provide a good place to start. Free options to check your business credit score include: Dun & Bradstreet CreditSignal: As mentioned already, this lets you gain access to your business credit score and receive notifications when someone accesses your business credit profile. You can also sign up for free email alerts that let you know when a change occurs to your credit score. Note that most of the benefits of this free program only last for 14 days, at which point they suggest upgrading to one of their paid options. Nav: Nav also offers that lets you access your Dun & Bradstreet, Experian and Equifax business credit reports and scores. This service includes a summary of your business credit reports, credit-building tools and even your personal credit score from Experian. Tillful: Tillful is for free while accessing all of your business accounts in one place. The app itself is also free to utilize, and you can use it to monitor your credit, your spending and your overall financial picture in one place. What information will you need to check your score
To access your business credit score with Nav or the D&B CreditSignal program, you’ll need to provide information such as your business name, your ZIP code and your email address. You’ll also need to verify your identity by providing your home address, your date of birth, your phone number and your Social Security number. Further, you may also need to answer some security questions based on your loan history, your work history or previous addresses you may have had. Which option should you choose
If you only want a general idea of your business credit health, one of the free options should work. Also, remember that the information you get from a free business credit report will likely not be as comprehensive as you’ll find with paid business credit monitoring plans. If you want ongoing monitoring of your business credit profile, then a paid monthly plan from a company like Experian or Dun & Bradstreet may make more sense. Whatever you do, make sure you take steps to do something when it comes to getting a handle on your business credit. Your business credit score may seem unimportant at the moment, but you’ll need a solid business profile if you want to , take out a business loan or work with vendors who extend credit. Your best bet is having an idea of your business credit score and taking steps to monitor it early on—before you need it. SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Related Articles