The Top 3 Credit Reporting Agencies
for Business Credit

Picture
The top three credit bureaus used in business credit are Dun &  Bradstreet, Business Experian, and Business  Equifax. Ninety-nine percent of creditors report to one of these
three credit bureaus. The top credit bureau is Dun & Bradstreet.   Dun & Bradstreet is the largest  business credit bureau in America. This also means they hold the most  clout with the creditors. Dun & Bradstreet (also called DNB, DUNS) set the  standard for business credit scoring. It is the one credit profile you, as a  business owner, must protect. Having a solid DUNS profile is critical to the  success of your business.

  The second largest  credit bureau is Business Experian. Experian has both a  personal credit division and a business credit division. Many banks use Business  Experian, in addition to checking your Dun & Bradstreet credit profile.  Essentially, the same scoring system is used by  both.

 The third largest credit bureau is Business Equifax. Like Experian, Equifax has both a  personal and business credit division. Since they are run independently from  each other, you do not have to worry about your personal credit profile being  cross-referenced with your business credit profile. 

These three credit bureaus  provide the benchmark of credit reporting to the creditors. Since the lesser  reporting agencies often buy their information from them, concern yourself with  these top three. They all can be a tremendous asset to your company.   Click one of the links below for detailed information about each of these Credit Reporting Agencies.

Dun & Bradstreet
Business Experian
Business Equifax
 

For Your Personal Credit, You are Entitled to a FREE Credit Report Every Year from:
AnnualCreditReport.com  

Picture
[Source:  FTC.gov] The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit  reporting companies — Equifax, Experian, and TransUnion — to provide you with a  free copy of your credit report, at your request, once every 12 months. The FCRA
promotes the accuracy and privacy of information in the files of the nation’s  credit reporting companies. The Federal Trade Commission (FTC), the nation’s  consumer protection agency, enforces the FCRA with respect to credit reporting  companies.   A credit report includes information on where you live, how you pay your  bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide  credit reporting companies sell the information in your report to creditors,  insurers, employers, and other businesses that use it to evaluate your  applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA, which established the  free annual credit report program.  For More Info visit the Federal Trade Commission website at http://www.consumer.ftc.gov/articles/0155-free-credit-reports