Dun & Bradstreet assigns businesses a D-U-N-S number and a “rating”. These are critical components of the process. Along with some conventional business lenders for underwriting, D&B is used by many vendors to determine if they will extend your business net terms, and landlords use them to approve office leases. 

Experian Business Information Services. So who checks your Experian business credit file? Many business credit card companies, vendors, non-traditional lenders, and banks…just to name a few. If you don’t have an Experian Business credit profile and report don’t worry, continuing through our Business Credit Builder process will take you through the necessary steps to get your profile established.   

Equifax Small Business is typically the most difficult to establish a file with. This is mainly because their requirements on the vendors and credit providers who would report your payment history are more demanding than Experian or D&B’s. Equifax manages the “Small Business Financial Exchange” and is important to cash lenders such as banks.