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- What information is contained in an Experian business credit report?
- Business credit reports contain information on a particular business' payment history, existing credit obligations, previous or existing legal filings, and background history. Often used as an indicator of a company's "financial health," a business credit report is most commonly used to help a lender decide if a company can take on additional financial obligations and if it will most likely pay those obligations on time.
Smartbusinessreports.com offers up to 4 different business reports per company ranging in depth of information.
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- Where does the information in an Experian business credit report come from?
- Experian collects credit obligation information from thousands of businesses nationwide. These businesses are typically the suppliers or lenders with which a company has existing financial relationships. The information comes directly from the accounting systems of the suppliers. Experian also collects legal filings from the various local, county and state courts across the United States. Company background information is collected from a variety of independent firms.
Experian does not collect information directly from a company about its business.
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- What does it cost to search the database?
- Searching the database is free. You only pay when you decide to purchase a report.
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- How do I save my business reports?
- Experian stores your reports for 7 days. Just log in to smartbusinessreports.com with your username and password and your reports will be accessible from the homepage.
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- I need a hard copy of my report. What do I do?
- When you purchase and review a report, you will see the "printable version" option on the report page. Click this button to print your report.
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- Can I check my own company's Experian business credit report?
- Absolutely. This is always a good idea and it is a good first step toward securing a good credit standing. Many lending institutions pay very close attention to payment behavior trends of a business when determining the interest rate and borrowing power for business loans.
A full Experian ProfilePlus credit report provides comprehensive information on your company’s credit history.
Order a ProfilePlus credit report today.
We also offer the Experian Business Credit Advantage subscription which includes unlimited access to the most comprehensive report on your company. You can either subscribe monthly or on an annual basis. With this subscription, you will receive automatic email alerts anytime anyone inquires about your business or posts a derogatory filling to your file. Order your Business Credit Advantage subscription today.
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- My business has been denied credit recently, what should I do?
- If your business has been denied credit in the past 60 days based upon Experian Commercial Credit data, you should obtain a copy of your Experian Business Profile Report for review. Please click the link below for further information on how to obtain a copy of your Experian Business Profile Report - www.experian.com/business/denial_request.html
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- How can I find out about other Experian Business Information Services?
- To learn more about our many business credit and business marketing services, please contact us directly at 800 520 1221 or send an email to credit@experian.com. We have a wide variety of additional credit, marketing, monitoring and scoring products, (not available via credit card), that you can access via our subscriber site www.experian.com/bizapps.
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