Business credit reports must be purchased from the credit bureaus, and unlike consumer credit reports, they are public, available to anyone who pays the fee.

How do I add something to my credit report?

You can’t directly add things to your credit report, even if they are bills you pay each month. Instead, you must depend on your creditors and lenders to send updates to the credit bureaus based on your account history. There are three major credit bureaus in the U.S.: Equifax, Experian, and TransUnion.

How do I get my business reported to the credit bureau?

To get started reporting, you can contact your Dun & Bradstreet Relationship Manager, visit D&B’s website or call D&B at 844-201-9144. Generally, you can report to Dun & Bradstreet if you become part of its Trade Exchange Program.

Can a small business report information to a credit bureau?

It is possible to report information to a credit bureau, but generally it is not practical unless you’re running a larger small business, because of the requirements to become a “data furnisher” to the major credit bureaus. It can take a lot of time, and you will need to meet a minimum number of transactions.

How do you report a delinquent account to a credit bureau?

To report a customer or business that’s not paying, you first need to be a member of the proper credit agency. For a small fee you can report delinquent accounts and gain access to credit reports. Equifax, Experian, and TransUnion handle reports for individuals,…

Can you get a free credit report from a small agency?

The law that grants a free credit report each year applies to these small credit agencies too. The only difference is that you have to contact the agency directly to request a free copy of your credit information. Become familiar with these small credit agencies so you know when your data might be used in a credit decision 2 

Why is it important to have a business credit report?

with a credit reporting service, in the name of the business, is very important. Business credit reports compare the stability of a business to similar businesses participating in the credit reporting service. Businesses involved in extending credit use these reports to determine terms of financing.