Free Business Credit Report

Free business credit reports can be important for establishing and maintaining a positive credit history for your business which can have an enormous impact on your companies’ future growth and success. Not only will you be able to purchase the supplies and materials necessary to help you business grow on credit rather than using cash on hand, but you will also be able to qualify for lower interest rates on business loans, lines of credit, and credit cards.

In addition to lower interest rates and access to credit good business credit will also help your company qualify for lower insurance rates. Most importantly, your companies’ positive credit standing will show potential investors that your organization is secure, which could help your business qualify for additional financing and support.

The work doesn’t end once your company has established a positive credit history.  It is important to take an active roll in monitoring your companies’ credit report to avoid errors, discrepancies, and possible fraudulent activity.

The easiest way to find out your companies’ current credit standing and current activity is to obtain a copy of your business’ credit report.  While most companies want you to spend money to order a copy of your companies’ credit report there are ways to get this information for free.

Dun and Bradstreet provide some of the most comprehensive free business credit report information currently available that is all easily accessible online.  Many of these tools do require some sort of payment but there is currently a way to get access to a detailed copy of your companies credit report for free.

By signing up for a completely free 30 day trial of the D&B credit monitoring services for your company you will receive unlimited access to your business credit report for free. In addition to receiving a free credit report for your business you will be able to take advantage of D&B tools to help you understand all aspects of business credit.

Another way to get a free copy of your companies’ credit report is by requesting a copy of your business’ credit file after being denied credit.  This means that you will need to apply for a credit card that your business will not qualify for in order to get a denial letter from the credit issuer.

Once you have received a denial letter from the credit company send a copy of the letter along with a written request for a copy of your companies’ credit report to the credit reporting agency the credit issuer used to check your business’ credit rating.  Be sure the letter sent to the credit bureau is written on company letterhead and signed by the companies’ owner or CEO.

In most cases the credit bureau will send you a free business credit report within a month if not sooner.  When using this method it is important that you only make one request for credit that could lead to a denial since multiple credit denials in a short period of time could negatively impact your credit.

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