Best Business Credit Score Companies for Assessing Your Creditworthiness

Most of the time, you have to go directly to each business credit bureau to get its business credit report and scores. But there are also a couple of one-stop-shop services that give you access to multi-bureau reports and scores.

Here are the best business credit score companies.

Best Business Credit Score Companies Compared

Company	Types of Report	Best For	Pricing Structure
FairFigure	Business credit reports and scores from D&B, Equifax, and Creditsafe. Plus in-house Foundation Report & Score.	Businesses that want comprehensive business credit monitoring, access to a credit correct tool, and two possible tradelines	Free and paid plans
Nav	Business credit reports and scores from D&B, Experian, and Equifax	Businesses that prioritize financial data from multiple sources	Free and paid plans
Dun & Bradstreet	Report + Viability Rating, Failure Score, Delinquency Predictor Score, PAYDEX, Legal Events	A detailed, one-bureau report & scores	Paid only reports
Experian	Report + Intelliscore Plus and Financial Stability Risk Score	A detailed, one-bureau report & scores	Paid only reports
Equifax	Report + Risk Score and Payment Index	A detailed, one-bureau report & scores	Paid only reports
Creditsafe	Risk Score	A detailed, one-bureau report & score	Paid subscription
FICO	SBSS Score - no credit report	Businesses seeking SBA loans	Must be obtained from a lender or third-party

1. FairFigure

FairFigure is one of the newer companies on this list and doesn’t have the same brand recognition as some of the more well-established giants like Dun & Bradstreet, Experian, and Equifax.

But many business owners love FairFigure because of its simplicity, advanced features, and affordability.

FairFigure Basic, the free account, gives you access to your Creditsafe business credit report and score. It also gives access to FairFigure proprietary, inhouse report, called the Foundation Report, and our own score, the Foundation Score.

FairFigure Premium, the paid account, allows you to check your business credit reports and scores with D&B, Equifax, and Creditsafe.

That way, you gain a clear vantage point of your business’s financial health and can quickly spot any inaccuracies or discrepancies that could result in a lower score.

At $35/month, this is the least expensive multi-bureau business credit score/report service on the market!

FairFigure Premium has other advanced features:

• The Unify tool helps you identify and report mistakes on your business credit reports, such as incorrect payments or debt that you’re not truly responsible for.
• The AI Podcast operates like your personalized credit radio. It’s an audio update, with human-sounding voices, that summarizes your month-to-month changes on your business credit reports and scores.
• The Darknet Scanner scans the dark web to alert you if your business identity or sensitive data appear in breach databases.

Additionally, the money you spend on FairFigure Premium business credit monitoring payments gets reported as a trade credit account, which also helps increase your business credit scores.

All FairFigure customers - both Basic and Premium - have access to the FairFigure Lift and Capital Card financing products. These revenue-based financing products are true “EIN-only” financing. They don’t check personal credit to qualify. If you qualify, your payments get reported to the business credit bureaus - another opportunity to build your business credit even more!

Get started with FairFigure Premium here.

2. Nav

Nav is the other multi-bureau business credit reporting company/software.

Nav allows you to check your business credit scores and reports across three major business credit bureaus: Experian, Equifax, and Dun & Bradstreet.

You have the option to check your business credit score with each business credit bureau individually. Or, like FairFigure, you can look at your scores with all three business credit bureaus at one time.

If you’re looking for big-picture data to see where your business stands from a single source, Nav is one of the best companies for doing so. And they report monthly subscription payments to the business credit bureaus as a vendor tradeline.

Plus, Nav can offer suggestions on how to improve your business credit scores so you can tangibly apply the insights generated to accelerate business growth.

Nav also has a business credit builder card that reports payments to the business credit bureaus as well. This card doesn’t provide financing like a credit card does, but it does help build business credit.

At the time of this writing, their pricing starts at $39.99 for access only to the business credit scores, reports, monitoring, etc. For access to the Nav Prime Card as well, you’ll need the $49.99/month plan. See full Nav Prime pricing details are here.

For a quick comparison, here are the differences between Nav and FairFigure:

Feature	FairFigure	Nav
Credit Reports & Scores	Reports and scores from D&B, Equifax, and Creditsafe	Reports and scores from D&B, Equifax, and Experian
Tradeline Reporting	Paid plan reports subscription payments as a tradeline	Paid plan reports subscription payments as a tradeline
Free Plan Benefits	Free plan gives full Creditsafe report & scores	Free plan gives multi-bureau credit score grades and credit report summaries, not full credit scores and reports
Credit Card Offering	FairFigure Capital Card builds business credit and provides financing	Nav Prime Card builds business credit, but does not provide financing
Paid Plan Pricing	FairFigure Premium/paid plan is $35/month and provides full report, score, and access to FairFigure Card	Nav Prime/paid plan starts at $39.99/mo. The $49.99/mo plan provides full report, score, and access to the Nav Prime Card

3. Dun & Bradstreet

Of all the companies on this list, Dun & Bradstreet is perhaps the most widely recognized. And for good reason.

They’re one of the most respected business credit bureaus in the world, and were formed all the way back in 1841.

And when it comes to business credit reporting, D&B is incredibly robust.

“Dun & Bradstreet’s comprehensive business credit reports contain more than just operational information and trade payment history.

They consist of multiple types of credit scores, ratings, and data — ranging from predictive (future) to performance-based (historical) — that can help showcase a company’s reliability and financial stability.”

More specifically, D&B offers the following reports:

• Viability Rating
• Failure Score
• Delinquency Predictor Score
• PAYDEX
• Legal Events

The D&B PAYDEX Score is what many business owners will be interested in, as it is one of the most famous business credit scores. This is what many suppliers consider when deciding whether to offer extended credit terms, such as a net 30 credit account.

Both FairFigure and Nav give access to the PAYDEX Score, but not Dun & Bradstreet’s other scores.

Note that D&B reporting is more costly than many other companies on this list. But if you want to access all of their reports and scores, this is where you get it.

4. Experian

Like Equifax, Experian Business is a company that offers both personal credit scores and business credit scores.

While Experian is often most associated with consumer credit, it’s still highly respected for its business credit reports, and many suppliers and lenders look closely at this business information when determining financial eligibility.

Therefore, this is one of the more popular companies for small business owners who want to get a grip on their business credit score and figure out ways to improve it.

Experian offers a few different scores.

One of the most notable is the Intelliscore Plus Experian business credit report, which uses advanced statistical models to determine the likelihood that a business owner would make a delinquent payment.

Another is the Financial Stability Risk rating, which crunches a high volume of financial data to determine how likely a business would be to fail within the next 12 months.

These business credit reports are helpful because of the vast amount of data they tap into, and Experian offers a user-friendly interface that makes assessing scores easy to understand.

Just note that, like D&B, an Experian business credit check costs more than other alternatives like FairFigure and Nav.

5. Equifax

Similar to D&B and Experian, Equifax is another industry giant with massive name recognition. This is another company that offers personal credit services, yet it also offers in-depth business credit report insights.

A big part of the reason why Equifax can deliver such detailed reporting is the sheer volume of information it has available, including “company profiles, liabilities, public records, and credit risks.”

By synthesizing this data, Equifax can accurately predict payment behavior, credit risk level, chances of bankruptcy, and overall financial stability.

As you might imagine, these are critical factors that lenders and suppliers want to look at when deciding whether or not to offer small business owners a credit line and what the credit limit should be.

From your perspective, accessing this financial data can be incredibly helpful for understanding how creditors view your company’s risk level and what steps you could potentially take to achieve a higher score.

If you want access to the maximum amount of business credit reports and scores from this bureau, you’ll need to go directly to Equifax’s site for that.

6. Creditsafe

Creditsafe is a company that works similarly to “the big three” business credit bureaus of D&B, Experian, and Equifax in that it offers business credit reports and credit scores. However, there are a couple of differentiating factors to be aware of.

One is that Creditsafe is multinational, with headquarters in Dublin, Ireland, which means it places an emphasis on international business credit reporting.

As of late 2025, Creditsafe had a database that spanned over 430 million businesses in 200 countries, making it an excellent option if your company is located outside of the US. They also have a strong US presence.

The other thing to know is that Creditsafe uses a subscription-based model. Rather than having to pay per report, you can gain continuous access with Creditsafe, which is perfect if you need to check your business credit report frequently.

While Creditsafe doesn’t have quite the reputation as larger companies, they’re still well-respected and currently have over 120,000 customers around the world. If your priority is finding cost-effective reporting, Creditsafe can work well.

FairFigure’s Basic (ie, free) subscription comes with free access to your Creditsafe Risk Score and credit report.

7. FICO

When most people hear the word “FICO,” they instantly think of a FICO consumer credit score. While it’s true that this is what they’re primarily known for, they also cater to the business side of things with their FICO Small Business Scoring Service —otherwise known as the FICO SBSS.

Geared toward medium and small business owners, FICO grabs a mix of personal and business data to generate a score ranging from 0 to 300. With this financial information, lenders can assess the creditworthiness of your business and determine the risk level.

Note that the FICO SBSS is widely used for SBA loans. So if this is one of the main types of funding you’re seeking, knowing what potential lenders are seeing can be very beneficial for increasing your chances of approval.

And similar to Creditsafe, FICO offers international reporting, making it another good choice if your business is located outside the US.

Also, note that unlike many of the other companies mentioned on this list, the FICO SBSS isn’t a score that you can access directly. Instead, it’s mainly for lenders who are deciding whether to lend to SMEs or not.

However, you may be able to find it by requesting it from a lender or by using a third-party service like Nav. In fact, Nav’s top-tier subscription, clocking in at $75/month, is one of the only places small business owners can get this score.

Seeing What Lenders See

Knowing your business credit scores before seeking financing is always a smart move. It helps track your business’s financial trajectory, makes sure you’re ready for funding, and can often put you in a position to find the best financing.

And with platforms like FairFigure, you can leverage features to improve your business credit scores to unlock more opportunities.

All of these companies are strong options. It’s just a matter of deciding which company best fits your specific needs.