The Best Business Credit Report Service

Historically, small business owners had to go to each credit bureau to get its business credit report, which is a time consuming and expensive process. Nowadays, multiple services exist to help you get multi-bureau reports all in one place for a low cost.

We reviewed the best business credit report service solutions and compared them below.

Business Credit Report Services Compared

Service	Credit Reports/Scores Offered	Additional Services?
FairFigure	Dun & Bradstreet, Equifax, and Creditsafe	Financing Solutions (FairFigure Capital Card and FairFigure Lift)
BusinessCreditReports.com	Experian, Equifax, Dun & Bradstreet, and Proprietary Reports	Lifetime Monitoring, Online Credit Application, SBA Loan Reporting, and More
Nav	Dun & Bradstreet, Equifax, and Experian	Nav Prime Card, Nav Business Checking Account, Accounting Tools, Business Credit Coaching, and FICO SBSS Score
Dun & Bradstreet	Dun & Bradstreet	Dark Web Monitoring, Business Score Comparison, and Ability to Upload Additional Financial Data
Experian	Experian	N/A
Equifax	Equifax	N/A
Creditsafe	Creditsafe	Customizable Monitoring, Competitor Alerts, Portfolio Creation, and More
LexisNexis	Alternative Data Along With Data From the SBFE	Small Business Monitoring and Small Business Attributes

1. FairFigure

FairFigure’s business credit monitoring services are perfect for small business owners.

With FairFigure’s Premium (paid) plan, you will be able to track scores and reports across three main business credit bureaus: Dun & Bradstreet, Equifax, and CreditSafe. These include the PAYDEX Score, Equifax Score, and Risk Score.

FairFigure Premium is the least expensive business credit report service on the market at only $35 per month.

FairFigure distinguishes itself from the competition by offering its own score and report. This FairFigure Foundation Report and Score uses data from your other scores to help you gain insights into how fundable your small business is.

FairFigure also offers a free business credit check. FairFigure Basic (ie, free) subscribers get full access to their Creditsafe business credit report and score.

This subscription payment is reported as a tradeline to the business credit bureaus as well.

Do you need support beyond your business credit report? If so, FairFigure doesn’t stop at business credit monitoring. Their business financing solutions make it easy to support your small business’s growth with increased cash flow.

FairFigure Lift and FairFigure Capital Card can help you access funding with ease. There’s no personal credit check (“EIN only”), personal guarantee, or lengthy paperwork. These provide you with another tradeline for rapid credit building.

The best part? There’s no extra cost for these financing products. Either free or paid subscription customers can apply for these funding solutions.

2. BusinessCreditReports.com

Let’s imagine that you already have one or two business credit report services. However, you might need one report that you can’t access with the services you currently have. In this scenario, you might turn to BusinessCreditReports.com.

As the above suggests, BusinessCreditReports.com is the perfect resource for one-time credit reports. Unlike other services, they’re uniquely licensed to blend data from Equifax, Experian, Ansonia, and D&B into one comprehensive report.

You can also turn to them when you want a one-time check-in on your FICO LiquidCredit SBSS Score. BusinessCreditReports.com does offer some additional services, but the highlight of this service is the sheer number of business credit reports you can access on a transactional basis.

Ask yourself: do you need a comprehensive report? You can get the Advantage Pro report for $56. Do you want a supplier report? You can get a Supplier Risk Report for $37.95. Put simply, they have information for everyone and for every purpose.

You can see what reports are made available to you and how much you can expect to pay by visiting the Pricing page on their website. Make sure you’re on the U.S. Reports tab. They also offer Canadian business credit reports and international reports.

3. Nav

There are a few staples in the business credit industry, Nav being one of them.

Nav is a business credit monitoring and business credit building service that offers tiered benefits. They do offer free services. However, like most free business credit reports or business credit scores, going the free route is going to impact the level of support you receive.

Regarding the paid options, you have three choices:

• Track ($39.99/month or $31.99/month quarterly): Track scores and reports across D&B, Experian, TransUnion, and Equifax. Build your credit with your membership payments. Track also helps you track your personal credit score at the same time.
• Build ($49.99/month or $39.99/month quarterly): Build offers everything in Track. Plus, you get the Nav Prime Card (business charge card) that acts as a second tradeline, a Nav Business Checking account, and useful accounting tools.
• Expand ($74.99/month or $59.99/month quarterly): Everything in Build, as well as a dedicated business credit coach and your FICO SBSS score. The latter information can be helpful when assessing your fundability with lenders.

If you just want scores and reports, go with Track. If you know that the Nav Prime Card is a good fit for you and you could use the additional tradeline, go with Build.

4. Dun & Bradstreet

Most major business credit bureaus have their own business credit report services. In the case of Dun & Bradstreet, you can use D&B Credit Insights.

As with the rest of the credit report services listed below, Dun & Bradstreet will only give you insights into its own scores and reports. You will need to turn to the services above if you want several scores and reports.

With that in mind, Dun & Bradstreet also offers three tiers for its services. These services can be purchased on a monthly basis or annually.

The first tier is Free. As with most free services, you won’t get much. The D&B Free tier offers risk range indicators for four scores. It also offers basic overviews for payment history, credit inquiries, legal events, and other essential business-related information and data.

The tiers you’re most likely to use are Basic or Plus if you’re interested in credit and financial health.

Basic costs $49/month or $499/year. It comes with:

• 24/7 access to six scores and ratings in your business credit profile: the PAYDEX Score, the Delinquency Score, the Failure Score, the Supplier Evaluation Risk (SER®) score, the Maximum Credit Recommendation, and the D&B Rating.
• Detailed reports surrounding credit inquiries, legal events, payment history, and other business information.
• Flashpoint dark web monitoring for up to three business email addresses.

The final plan is Plus, which costs $149/month or $1,499/year. It offers Flashpoint dark web monitoring for up to five addresses, score comparison tools, and the ability to upload data, which may offer an improvement to your business credit score.

5. Experian

Are you curious about your Experian credit report? You can use Experian Business Credit Advantage to keep tabs on your report with no extra work on your end.

Business Credit Advantage is a self-monitoring tool that will send instant email alerts if anything changes in your report that could be of concern to you. Experian checks daily, ensuring that you get fresh alerts so you can act fast on new business or financial information.

You’ll be equipped with what you need to fight mistakes or fraud.

They send instant email alerts when there are any changes to your credit report, such as:

• Business address changes
• Collection filings
• Credit inquiries on the business profile
• Business Credit score changes
• Newly opened credit tradelines
• Public record filings, including bankruptcy, liens, and judgments
• Uniform Commercial Code filings

The Experian Business Credit Advantage service is only offered as an annual subscription. It costs $199/year.

6. Equifax

Many business credit report services are great for monitoring your own credit. But you don’t have to stop there. From lenders to vendors to competitors, you can use the Equifax Business Risk Monitor for Small Business (and several options below) to monitor yourself and others.

The Equifax Business Risk Monitor for Small Business sends you periodic alerts whenever developments occur that could indicate a greater risk of business failure or delinquency. This includes standard information like new liens or collection inquiries.

This product also alerts you to any changes to four Equifax scores: the Business Credit Risk Score, the Payment Index, the Business Failure Score, and the Business Delinquency Score.

Equifax doesn’t list the price of this credit report service on its website. You’ll have to reach out and express your interest to learn more.

7. Creditsafe

Creditsafe is a name you’ve already seen once in this guide. There are some that will report to Creditsafe or monitor Creditsafe scores and reports. But if you want a comprehensive report, you can use Creditsafe’s own Company Monitoring service.

Creditsafe’s business credit report service is great if you want a tool that will allow you to track multiple companies at a time. They offer real-time alerts that will help you stay on top of personally curated portfolios of companies.

More than that, it’s a granular business credit report service. From changes in basic business information to the meeting of creditors, you will get alerts on almost every change.

You will also need to reach out to them directly to get more information about pricing.

8. LexisNexis

LexisNexis Risk Solutions offers its own proprietary risk report. The LexisNexis Small Business Credit Report uses its own data, combined with data from the SBFE, to give businesses a better view of the creditworthiness of a business.

Now, it’s important to note that LexisNexis’s Small Business Credit Report is designed for businesses planning on lending to small businesses.

Credit reports for small businesses can often be thin or non-existent. It’s hard to make confident moves with a limited credit history. LexisNexis’s solutions make it so that you can be more confident in lending to others.

If you are a lender, this alternative data can be invaluable to your business operations. You can evaluate credit risk more easily before you supply businesses with money.

If you’re not, you still might get something out of this information.

If you want something more suited to your needs, consider their Small Business Monitoring solutions as well. You will need to contact them directly for more pricing information.

There are numerous business credit report solutions out there when you need help monitoring your business credit score or other businesses’ credit scores. Consider the eight options above to help you get started!