Business Credit · Credit Bureaus

Business Credit Reporting Agencies: D&B, Experian, and Equifax

Understand how Dun & Bradstreet, Experian Business, and Equifax Business track your business credit and what lenders see when they pull your reports.

Know what lenders see — and how to improve it

Business Credit Builder Program

Build a fundable business profile with Net 30-60 accounts, reporting tradelines, and unlock high-limit credit cards through Nav.

Net 30-60 vendor accounts that report to D&B
5-8+ reporting tradelines in 30-60 days
Business credit cards via Nav — no personal guarantee
$10K-$100K+ potential credit capacity

$1

7-Day Trial · Then $999 One-Time

Start for $1 →

The Big Three Business Credit Bureaus

Business credit works differently than personal credit. Instead of Equifax, Experian, and TransUnion, you're dealing with:

  • Dun & Bradstreet (D&B): The oldest and most widely used. Uses Paydex score (0-100) and DUNS number.
  • Experian Business: Separate from personal Experian. Uses Intelliscore Plus (0-100) and Business Credit Risk Score.
  • Equifax Business: Tracks business payment history and risk. Uses Business Credit Risk Score (101-992).

How Business Credit Scores Work

Each bureau has its own scoring system:

D&B Paydex Score (0-100): Based purely on payment history. 80+ is considered excellent. 90-100 means you pay early. Most lenders want to see 75+.

Experian Intelliscore Plus (0-100): Predicts likelihood of delinquency over 12 months. 76-100 is low risk. Uses payment history, credit utilization, public records, and firmographic data.

Equifax Business Credit Risk Score (101-992): Higher is better. Evaluates payment history, credit utilization, company age, and industry risk.

What Lenders See When They Pull Your Business Credit

When you apply for credit, lenders pull one or more business credit reports. They see:

  • Credit scores from each bureau
  • Payment history with vendors and creditors
  • Number of active tradelines and credit utilization
  • Public records (liens, judgments, bankruptcies)
  • Company details (address, phone, DUNS, industry)

Building Scores Across All Three Bureaus

Most vendors and creditors don't report to all three bureaus. You need to strategically select tradelines that report where you need them.

  • D&B: Most Net 30 vendors report here first
  • Experian: Store cards and fleet accounts often report here
  • Equifax: Credit cards and larger accounts tend to report here
  • Goal: 5-8+ tradelines reporting to each bureau

Monitoring Your Business Credit

Unlike personal credit (which you can monitor for free), business credit reports typically require paid subscriptions.

  • D&B CreditSignal: Monitor your Paydex score and D&B report
  • Nav: Pulls from all three bureaus, shows scores and recommendations
  • Experian Business: Direct monitoring from Experian
  • FundNow helps you track reporting and optimize for approvals

What Our Clients Say

4.9 / 5

Based on 127 verified reviews

T
Tom S.
IT Consulting Firm
Boston, MA

"Understanding how D&B, Experian, and Equifax work changed everything. Now I know exactly what lenders see when they pull my business credit."

Amount: Multiple bureau scores
R
Rachel D.
Salon Owner
Portland, OR

"I didn't even know business credit bureaus existed. FundNow walked me through all three and helped me build strong scores across the board."

Amount: All 3 bureaus reporting

Ready to Build Real Business Credit?

One application. One blueprint. One team that understands what it takes to keep a business alive.

Need funding tools? Explore our calculators

Explore More Solutions

Ready for funding? Check out these options.

Business Term Loans

Traditional term financing for business growth

Learn More

DSCR Loans

Debt service coverage ratio loans for rental properties

Learn More

MCA Cost Calculator

Calculate true MCA costs

Learn More

Tax Services Hub

Comprehensive tax filing and business tax services

Learn More

Helpful Tools for You

Credit Score Simulator

Ready to Apply for Funding?

With your business credit built, you're in a stronger position for better rates.

Compliance & Disclosure

FundNow Relief Solutions™ is a division of FundNow Capital, an Equal Housing & Business Lender. FundNow Relief Solutions™ is not a law firm, credit repair organization, or debt settlement agency. Results vary based on individual circumstances, lender cooperation, and state regulations. We do not guarantee specific outcomes, debt reductions, or credit score improvements. By engaging our services, you authorize us to review your contracts, communicate with your lenders, and negotiate on your behalf where permitted. State-specific regulations may apply. Nothing on this page constitutes legal, financial, or tax advice. Consult a licensed professional for your specific situation. All client testimonials are based on actual experiences but individual results may differ.