How to Check Your Business Credit (All 3 Bureaus)
You cannot fix what you cannot see. Here is how to check your business credit across all three bureaus and what to do with what you find.
Company Base OS Research
Updated July 16, 2026 · 6 min read
Key takeaways
- 1.Your business has three separate files, at Dun & Bradstreet, Experian Business, and Equifax Business.
- 2.Checking your own business credit does not hurt your score.
- 3.Errors and mismatches on your file cause silent denials, so check before you apply.
Most owners never check their business credit until after a denial. That is backwards. Because a lender may pull any of your three business files, and because errors and mismatched details cause silent denials, checking your file first is one of the highest-leverage things you can do. Here is how, bureau by bureau, and it pairs with the bureaus comparison.
The three files to check
- Dun & Bradstreet. Home of your PAYDEX score. You generally need a D-U-N-S number to have a file here.
- Experian Business. Builds automatically from reportable activity and produces its Intelliscore Plus.
- Equifax Business. Keeps a separate file and risk scores from reported activity.
What to look for
- Correct business name, address, and phone, matching your state filing and bank exactly.
- Your reporting tradelines, and whether accounts you expected to report are actually showing.
- Any negative marks, late payments, or derogatory records.
- Errors, which do happen and can quietly block approvals until fixed.
Fix mismatches first
A mismatch between your file and your application is read as risk. Correcting your listed name, address, and phone is often the single fastest fix on the [fundability checklist](/blog/business-fundability-checklist).
Business Fundability Score Calculator
How set up is your business foundation?
How many accounts are reporting to the business bureaus?
Where is your payment history / PAYDEX?
How many funding applications in the last 90 days?
Answer all four to see your estimated score.
Find out where you actually stand in 60 seconds
Take the free Business Fundability quiz. Answer seven questions and get your score out of 100, your single biggest blocker, and the exact first move to fix it.
Get my free Fundability ScoreFrequently asked questions
Does checking my business credit hurt my score?
No. Checking your own business credit is not a hard inquiry and does not hurt your score. Hard inquiries come from applications, not from you reviewing your own file.
How often should I check my business credit?
Check before any application and periodically as you build, so you catch errors and confirm that accounts you expected to report are actually reporting.
Company Base OS
Stop reading about it. Get your exact next move.
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Company Base OS Research
Company Base OS is an educational platform that helps business owners build business credit and get funded, in the right order. Our team tracks lender and bureau criteria so you always know your exact next move.
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