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To contact all three major credit bureaus, you can visit their websites linked below or call the specified customer service numbers listed below: Equifax: 800-685-1111. Experian: 888-397-3742. TransUnion: 888-909-8872.
A business credit profile is a characterization of your businesss credit history that establishes its ability to borrow. Your business credit score is a reflection of your businesss creditworthiness and influences your access to credit products such as credit cards and loans.
The types of lines of credit you can choose are either unsecured or secured by business assets. Secured lines help you get approved with bad credit or for favorable terms, while unsecured lines pose less risk that youll lose valuable assets if you miss payments.
Like your personal credit score, the most important factor that makes up your business credit score is your payment history whether you make sufficient on-time payments on your debts. Business credit scores also consider the age of your company, and you may see a higher score if youve been around longer.
When youre trying to get a business loan, establish payment terms with a new vendor or get any type of business credit, your business credit report can be a major factor in your success. Dun Bradstreet, Experian and Equifax are the big three business credit bureaus that generate business credit reports.
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Generally speaking, business credit scores are determined using information from a business credit report, which can include such company details as the number of employees a business has, historical data of the business, past payment history, account information, amounts owed and more.
Business information Information about the business, such as its structure, legal entity name, business address, directors, shareholders, years in business, trading history, time in business and other information is included in your business credit report and is used to determine your score.
Youll typically have to go directly to the credit bureau to get your business credit report. The three main business credit bureaus are Experian, Equifax and Dun Bradstreet. They each have their own credit reports, and Experian and Dun Bradstreet offer credit monitoring services.
Examples of business credit include everything from bank loans to credit cards, with availability based on your credit history and score. Business credit is separate to personal credit, though some lenders will review your personal credit as part of a new business credit application.
Identifying information like your full name and address. Your credit accounts and your available credit. Your payment history. The parts of your employment or work history that you have self-reported on credit applications.

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