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Business Credit Agencies
There are two major business credit reporting agencies in the United States that lenders
and financial institutions rely on for information to grant credit. They are D&B and Experian.
Like consumer credit, TransUnion and Equifax also handle business credit.
D&B
Experian Business
Business Credit Scores
The business credit scores with D&B and Experian are what the lenders and financial
institutions look for to determine credit.
PAYDEX Score
Intelliscore Score
DUNS Rating
and financial institutions rely on for information to grant credit. They are D&B and Experian.
Like consumer credit, TransUnion and Equifax also handle business credit.
D&B
- Over 70 million businesses are registered with D&B
- The credit profile created by D&B uses information provided by the business owners
and vendors of the business - Grants a PAYDEX score to businesses based on payment experiences of the
business - Issues a DUNS Rating based on the financial statements of the business
- Has a High Risk status for company's that will destroy a company's ability to obtain
credit
Experian Business
- Over 14 million businesses are registered with Experian
- The credit profile created by Experian uses information provided by vendors only
- Grants an Intelliscore based on payment experiences
- Is one of the three largest personal credit bureaus
Business Credit Scores
The business credit scores with D&B and Experian are what the lenders and financial
institutions look for to determine credit.
PAYDEX Score
- Score ranges from 0 to 100
- A score of 75+ is good
- Based on payment experiences reported by vendors
- Need 5 trade references who report to D&B
Intelliscore Score
- ranges from 0 to 100
- A score of 75+ is good
- Based on payment experiences reported by vendors
- Need 2 trade references who report to Experian
DUNS Rating
- Various rating schedules
- Based on employee size and financial statements
- Also takes into account payment history
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Advantages of Business Credit
Credit Builder - $5000
- You will save time and money for
your business - Meet any current lending needs
- Prepare for any future lending
needs - Have cash in your business
when it's needed - Ability to extend your cash flow
- Lower your interest rates
- Build credibility for your business
Our Business Credit Builder will:
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- Separate you from your
business - Lower Tax Liabilities
- Your business can now
purchase property
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