How to Check Your Business Credit Score

Knowing your business credit score is important so you can leverage your business credit to build your business. Finding your business credit score at all four credit reporting bureaus is easy. In this guide, we detail how to check each.


What Is a Business Credit Score?

A business credit score is a snapshot of your business credit report. Lenders use these scores to quickly determine if a business qualifies for a line of credit or not. 

Scores are determined differently by different business credit bureaus. There are four main business credit bureaus to be concerned with; namely: 

  • Fair Isaac Corporation (FICO) Small Business Scoring Service (SBSS) Score (scores creditworthiness from 0-300).
  • Dun & Bradstreet PAYDEX Score (scores creditworthiness from 0-100).
  • Experian Intelliscore Plus Credit Score (scores creditworthiness from 1-100).
  • Equifax Payment Index Score (scores creditworthiness from 1-100), Business Credit Risk Score (scores risk from 101-992; the higher the score, the lower the risk), and Business Failure Score (scores risk from 1,000-1,610; the higher the score, the better likelihood your business will still be around in 12 months).

In this guide, you’ll learn how to access your credit scores from each of the four business credit bureaus.

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IMPORTANT: Although accessing and updating your business credit information is generally a free service, accessing your credit scores will require you to purchase a formal credit report from each of the business credit reporting bureaus.

How to Check Your DUN & Bradstreet PAYDEX Score

Dun & Bradstreet is arguably one of the top business credit reporting agencies. The name of their business credit score is called a PAYDEX score. This score is a number issued between 0-100 (100 being the best). 

To find your PAYDEX score follow these steps:

  1. Login to your Dun & Bradstreet account (www.dnb.com > Login > View, manage, and update my information).
  2. Make sure you have a minimum of three trade lines established.
  3. Call Dun & Bradstreet at (248) 641-3800.
  4. Explain that you want to check your business credit score. They will tell you to purchase D&B PAYDEX® ScoreCreditBuilder™, an $899 annual service from them that will allow you to check your score.
  5. Purchase D&B PAYDEX® ScoreCreditBuilder™.
  6. Check your score.

How to Check Your Experian Intelliscore Plus Credit Score

Experian Business is arguably the second most utilized business credit reporting agency. The name of their business credit score is called Experian Intelliscore Plus Credit Score. This score is a number issued between 1-100 (100 being the best). 

To find your Experian Intelliscore Plus Credit Score follow these steps:

  1. Visit: https://sbcr.experian.com/.
  2. Type in your business information.
  3. Click “Get Your Report Now.”
  4. Purchase CreditScoreSM Report for $39.99.
  5. Check your Experian Intelliscore Plus Credit Score listed on your business credit report.

How to Check Your Equifax Payment Index Score, Business Credit Risk Score, and Business Failure Score

Equifax is a top business credit reporting agency that uses three different scores for calculating creditworthiness for lenders; namely:

  • Equifax Payment Index Score (scores creditworthiness from 1-100; the higher, the better)
  • Equifax Business Credit Risk Score (scores risk from 101-992; the higher the score, the lower the risk)
  • Equifax Business Failure Score (scores risk from 1,000-1,610; the higher the score, the better likelihood your business will still be around in 12 months)

Each of these scores can be found on your Equifax Small Business credit report.

To find your three Equifax Small Business credit scores, follow these steps:

  1. Order a copy of your Equifax Small Business credit report for $99.95, purchased at https://www.equifax.com/business/business-credit-reports-small-business.
  2. Find all three scores on your business credit report.
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UPDATE: Equifax’s website is being updated. You won’t be able to purchase a copy of your business credit report at this time. The website should be back up soon.

How to Check Your FICO SBSS Score

You cannot check your personal FICO SBSS Score. FICO creates an SBSS credit score each time a lender runs your credit report. The score is determined based on other major credit reporting bureaus’ reports (e.g., Dun & Bradstreet, Experian Business, and Equifax Small Business) and is based on your personal credit report and other proprietary criteria.

The FICO SBSS business credit score ranges from 0-300. Scores over 180 are ideal for getting approved for lines of credit or loans. 

The best way to ensure your business FICO SBSS Score is high is to keep both your business and personal credit reports in good standing and make sure your business’s health is good. Here are some ways to maintain your score:

  • Pay all your bills on time (personal and business).
  • Keep good cash flow (operating capital and reserves).
  • Generate profits consistently.
  • Keep your debt to income ratio low (i.e., keep debts no higher than 30%).
  • Own lots of business assets. These can always be liquidated or used as collateral.
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Recommended: Obsidian Bear Funding offers a strategic plan to make building business credit easy and simple.

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