How to check your business credit score for free (2024)

While you may think credit scores are reserved for individuals, businesses also receive that ever important number.

Similar to personal credit scores, business credit scores play a part in how lenders judge your business's eligibility for credit products, such as loans and credit cards. If you're a small business owner applying for credit, it's important to understand what makes up your business credit score and how you can access your business credit report.

Below, Select reviews common questions surrounding business credit scores and credit reports, so you can familiarize yourself with your company's credit standing.

What is a business credit report?

A business credit report is an aggregate of your business's credit history. This is similar to a personal credit report, which is a snapshot of your personal credit use. Lenders use information found in your credit report to judge whether you can repay credit extended to you.

Here's the typical information found in a business credit report, according to the Small Business Association (SBA):

  • Company information including number of employees, sales, ownership and subsidiaries
  • Historical data of the business
  • Business registration details
  • Government activity summary
  • Business operational data
  • Industry classification and data
  • Public filings, such as liens, judgments and UCC filings
  • Past payment history and collections
  • Number of accounts reporting and details

Information in your business credit report impacts numerous financial decisions, which the SBA also provides:

  • How much business credit a supplier will extend to you
  • What repayment terms you'll receive
  • What interest rates you'll pay
  • How much credit or funding a bank or lender will extend to you
  • How your customers view your business
  • What insurance premiums you'll pay

How is a business credit score calculated?

A business credit score considers many of the same factors as a personal credit score, such as payment history and amount of debt used. However business credit scores use different scoring models.

For two main types of business credit scores, Dun & Bradstreet PAYDEX Score and Experian Intelliscore Plus, scores range from 1 to 100, and the closer to 100, the better. Consumer FICO scores, on the other hand, are ranked 300 to 850, with 800 and above being consider excellent credit.

Business credit scoring models weigh different factors when calculating scores, but you can anticipate that your payment history, age of accounts and amount of debt will be considered. If you carry a balance on The Blue Business® Plus Credit Card from American Express, that will be factored into your business credit score. And if you miss a payment on your Ink Business Cash® Credit Card, that can negatively impact your score.

How to check your business credit score

While there are dozens of free credit score and free credit report resources available for consumers, it gets tricky when you look for business versions. There are select free business credit score resources available, but you may not get the full picture compared to a service that requires you to pay.

To make things easier for busy business owners, we've rounded up the popular free credit report resources and summarized what they offer. We've also included some of the other services that cost money but can be worth the money if you're looking for a comprehensive view of your business's financial standing.

Free business credit score services

Dun & Bradstreet CreditSignal

What's offered:

  • Alerts when your D&B credit scores and ratings change
  • Monthly summary of activity in your business credit file
  • Learn how often your business credit file is being accessed

What's missing: You won't have access to your full Dun & Bradstreet business credit report and credit score with the free version. If you want full access, consider upgrading to CreditBuilder Plus for $149 per month, which is the cheapest subscription option. CreditBuilder Plus includes everything from CreditSignal as well as an expedited Dun & Bradstreet D-U-N-S Number and D&B credit file. Compare Dun & Bradstreet products.

Nav business credit reports

What's offered:

  • Get a summary of your Dun & Bradstreet, Experian and Equifax business credit report
  • Receive business credit grades for each score, plus your personal Experian credit score
  • Tools to help you build business credit

What's missing: You don't receive your full business credit reports and scores with the free version. But you can upgrade to a paid version, starting at $29.99 per month for Nav Business Manager, to receive your full report and score with Dun & Bradstreet, Experian and Equifax, plus the ability to dispute errors on business credit reports and more.Compare Nav business credit products. There are alternative paid options to view your actual score, which we break down below.

Paid business credit score services

Experian business credit report

What's offered:

  • View your Experian business credit score
  • Alerts when your Experian credit file changes
  • Learn what factors affect your business credit score

The cost: Experian offers four different business credit report products. One-time access starts at $39.95 for a CreditScore Report and goes up to $49.95 for a ProfilePlus Report. An annual plan costs $179 per year for Business CreditAdvantage, and there's a premium version, the Business CreditScore Pro, which costs $249 per month. Compare Experian's business credit reports.

Update April 2, 2020:Experian is offering all American-owned small businesses free access to their business credit report through May 1, 2020. Learn more here.

Equifax business credit report

What's offered:

  • Access your Equifax risk scores — Equifax Business Credit Risk Score and Equifax Business Failure Score
  • Receive a synopsis of your business's credit accounts with banks, suppliers and service providers
  • Identify potential risk of late payments and business failure with Equifax risk scores

The cost: You can order one business credit report for $99.95 or a multi-pack of five for $399.95. Compare Equifax's business credit reports.

Additional business resources:

  • How to choose a business credit card
  • How to apply for a business credit card
  • 5 credit card perks every small business owner should take advantage of

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

How to check your business credit score for free (2024)


How do I find out my business credit score? ›

Free options to check your business credit score include: Dun & Bradstreet CreditSignal. This free service from Dun & Bradstreet allows you access to your business credit score, with notifications when your credit score changes and how to improve it.

Does an LLC have a business credit score? ›

Yes, your LLC can have a credit score, often referred to as a business credit score or a business credit rating. Business credit scores are separate from personal credit scores and are specific to the financial activity of the LLC. These scores are typically maintained by business credit bureaus.

How to check ein number credit score? ›

Visit the chosen credit bureau's website and sign up for an account. You may need to provide some basic business information, such as your company's name, address, and EIN. Each credit bureau offers different plans and report options.

How can I get a free company credit report? ›

You can check your business credit report for free using Creditsafe. My business credit score allows you to access your company credit report and review the details that other potential lenders or suppliers can see about your business. You can use this information to improve your company credit score.

Are business credit scores public? ›

Business credit reports are publicly available, while consumer credit reports are available only to lenders and others with a legally legitimate reason for requesting them. The three main credit bureaus for business credit reports are Dun & Bradstreet, Equifax, and Experian.

Why can't I find my business credit score? ›

Answer : If your business does not have a credit report or score, it is most likely because your company is not listed in our files or the information in your file is incomplete or incorrect. Experian requires minimum information to generate a business credit report and score.

Does my EIN have its own credit score? ›

You have a personal credit score that's tied to your identity, primarily through your Social Security Number (SSN). If your business has a separate “Employer Identification Number” (EIN) or “Tax Identification Number” (TIN), then your business will have its own credit score associated with that number.

What credit score does an LLC start with? ›

While LLCs can be started at any credit level, there will be some notable disadvantages for business owners who have bad credit. Here are a few examples: Money will be hard to come by. Having bad personal credit will generally make it more difficult to get a bank loan to start or expand your LLC.

What is a good credit score for an LLC? ›

A good credit score for an LLC is typically considered to be in the range of 600–800, similar to your personal credit score. The higher your score, the better it looks to potential lenders and vendors who might want to do business with you.

Can I use my EIN to get a loan? ›

Can I Get a Loan with Just My Business EIN? Yes, there are certain circ*mstances where a lender will not use your personal credit score, but only your EIN as a factor in lending to you. Note that they won't just use your EIN in isolation, as there are many factors that go into qualifying for a small business loan.

Can I apply for credit using my EIN? ›

The answer to that question is yes. You can sign up for a business credit card using only your Employer Identification Number (EIN), without having to provide your Social Security Number (SSN).

Can I get a line of credit with my EIN number? ›

Most business lenders conduct a personal credit check and a business credit check for business financing, such as a line of credit. However, it may be possible to get a line of credit only using your federal Employer Identification Number (EIN) in some cases.

Can you check a company's credit rating? ›

A SwiftCheck Company Credit Report is designed to give you insights into the riskiness of a company, which can help you make decisions about whether to do business with them or not. This report combines ASIC records with information from our commercial credit bureau and is generated and delivered to you instantly.

What is a good business credit score? ›

Its scores range from one to 100 as well. A score of 76 or above is typically considered to be a good Experian business credit score, and 50 to 75 is still considered fair. FICO Small Business Scoring Service.

What is the only place to truly get a free credit report? ›

Visit to request free copies of your credit reports. Other sites may charge you or be fraudulent sites set up to steal your personal information. By law, everyone is entitled to one free credit report every twelve months from each of the three credit reporting agencies.

Does my business have its own credit score? ›

While your personal credit score is tied to your Social Security number, your business credit score is tied to an Employer Identification Number — or EIN. This helps you keep your personal financial information private while you build and maintain your business credit score.

Is your business credit separate from your personal credit? ›

Business credit and personal credit are two different things. A good personal credit score may help someone qualify for greater financial responsibility in their personal life, such as a mortgage or an auto loan. Business credit scores and ratings may help do the same thing for a company.

Is my business credit score the same as my credit score? ›

Personal and business credit score numbers are independent of each other but are often used together to determine your ability to secure a business loan.

Does business credit show up on your personal credit? ›

Generally, with corporate credit cards, your personal credit score won't be affected. This is because most corporate cards are opened using your business's EIN number, not your personal SSN. Business owners and employees both shouldn't see any changes to their personal credit scores.

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