To check your business credit report at Experian, you buy it on Experian's small business site, and the cost listed on November 2, 2026 was $59.95 for a one-time CreditScore Report or $69.95 for a ProfilePlus Report. Equifax lists a one-time business report at $49.99 through an approved reseller, and Dun & Bradstreet has a free tier that shows "risk range indicators" for four of its scores. Our view is that most owners should check each file once before a planned application and skip year-round monitoring unless they have a specific reason for it.
How do you check your Experian business credit report, and what does it cost?
Experian sells reports on your own company or any other business from its business credit reports page, and it listed these products when we read it on November 2, 2026:
| Experian product | Listed price | What the page says it includes |
|---|---|---|
| CreditScore Report | $59.95, one-time charge | Credit summary report, business public records, credit scores, payment summary trends |
| ProfilePlus Report | $69.95, one-time charge | Business credit score, detailed trade line data, inquiries and UCC details, described as the "Most comprehensive report" |
| Business Credit Advantage | $199.00 a year, annual subscription | Daily monitoring of your report, unlimited report and score access, alerts on inquiries, notification on key changes, 3-month score trends |
For a check before you apply, we'd pick the ProfilePlus Report, since its trade line and UCC detail is what you need to spot an account or filing that isn't yours.
Experian's business credit FAQ says "Checking your business credit report does not affect your business credit score," and that pulls of your own report are soft inquiries that "are not revealed to potential lenders or creditors." The same FAQ warns that "anyone, including your competitors and other creditors, can purchase your report without your permission," and says Experian business credit scores "range from a low of 1 to a high of 100."
Where to get your Equifax business credit report and what it costs
Equifax's small business credit report page listed its Business Credit Industry Report Plus 2.0 as a "One-time download for $49.99" on November 2, 2026, with "Subscriptions starting at $39.99 / month." The page sends report buyers to an approved Equifax reseller and names another approved reseller for monthly monitoring.
The free links on that page cover consumer credit reports only. Since the purchase runs through a reseller, read that company's renewal and cancellation terms before you subscribe.
How to see your D&B business credit file for free
Dun & Bradstreet has two free tools. The D&B Credit Insights free tier shows "risk range indicators" for the PAYDEX Score, Delinquency Score, Failure Score and Supplier Evaluation Risk Rating, plus a payment history summary and inquiry alerts. The page names paid tiers (Credit Insights Basic, Plus and Premium) but showed no prices when we read it on November 2, 2026, and it says the product "will automatically renew each term at the List Price in effect at the time of renewal."
The second is D-U-N-S Profile Manager, which D&B says is free if you represent a "U.S.-based, non-public commercial organization" and are its owner, director or officer. It's where you request updates to company details, upload financial statements and dispute payment experiences, and the same page says you can get a D-U-N-S Number for free. In our view, risk ranges are enough to confirm a file exists and to spot a weak area.
What lenders and suppliers see in each bureau's report
Each bureau builds its own file from what creditors and public records send it, so an account a supplier reports to only one bureau may not show at the others. In each bureau's own terms:
| Bureau | What its pages say the report shows | Who its pages say looks |
|---|---|---|
| Experian | Credit summary, public records, scores from 1 to 100, payment trends; trade lines, inquiries and UCC details in ProfilePlus | Suppliers setting "the amount of credit suppliers will extend you," and the rates you pay |
| Equifax | "a detailed summary of your credit score, borrowing history, public records, and financial performance" | "Lenders, insurers, service providers, and even potential customers" |
| Dun & Bradstreet | Viability Rating, Failure Score, Delinquency Predictor Score, PAYDEX, and legal events such as "Bankruptcies, lawsuits, liens, judgments, and other public filings" (D&B report page) | Lenders, suppliers and potential business partners |
How much weight a lender puts on any business report varies. Many small business lenders also review the owner's personal credit, bank statements and revenue, and we found no published business score cutoff that applies across lenders. Our guide to personal vs. business credit for loans covers how the two files work together, and how to build business credit covers getting accounts reported.
Why business credit reports don't come with a free yearly copy
The free report right comes from the Fair Credit Reporting Act. The FTC's free credit reports page, updated June 2026, describes it for consumer reports from Equifax, Experian and TransUnion and names AnnualCreditReport.com as the only website authorized to fill orders for the free annual reports. That page doesn't mention business reports.
In its July 2011 staff report on the FCRA, FTC staff wrote that "Reports about corporations, associations, and other collective entities are not reports about a consumer, and thus are not consumer reports subject to the FCRA." The same report says a report on your personal credit that goes to a business lender is a consumer report "regardless of the purpose for which the information may in fact be used." We found no federal rule that gives a business a free yearly copy of its own business file, and each bureau prices access its own way.
Paid monitoring or a check before you apply: what a year costs
Assumptions: prices as listed on the bureaus' pages on November 2, 2026, before any tax or promotion; you use D&B's free tier in every plan at $0; the Equifax subscription stays at its "starting at" price of $39.99 for all 12 months; you plan one financing application in the year.
| Plan | What you buy | 12-month cost |
|---|---|---|
| A. One check before applying | Experian ProfilePlus $69.95 + Equifax one-time $49.99 | $119.94 |
| B. Check, dispute, then check again | Plan A twice | $239.88 |
| C. Monitor Experian, check Equifax once | Business Credit Advantage $199.00 + Equifax $49.99 | $248.99 |
| D. Monitor Experian and Equifax | $199.00 + ($39.99 × 12 = $479.88) | $678.88 |
On Experian alone, $199.00 divided by $69.95 is about 2.84, so two ProfilePlus Reports ($139.90) cost less than a year of Business Credit Advantage while three ($209.85) cost more. With the $59.95 CreditScore Report, the subscription costs less only from the fourth pull ($239.80).
For one planned application, Plan A or B covers the need at a fraction of Plan D. Time the check a couple of months ahead, because Experian's FAQ says "Generally an investigation is completed within 30 days, however, complex cases may take longer," and you want that room before a lender pulls the file for a business line of credit or a term loan.
Monitoring earns its fee in narrower cases:
- You buy on supplier terms and want to know when your file changes. Experian's subscription lists alerts on inquiries and notification on key changes.
- You're mid-dispute and want to see whether a correction lands.
- You apply or get reviewed often, by several lenders or new suppliers a year.
On the other side, each subscription watches one bureau, renewals run on the provider's terms, and an alert fixes nothing. Accurate items stay for the periods each bureau sets. Experian's FAQ lists trade data for 36 months after the last report date, collections for 6 years and 9 months, bankruptcies for 10 years after filing, judgments and tax liens for 7 years after filing, and UCC filings for 5 years after the last filing date.
How to correct an error at each bureau
Start by reading every report against your own records:
- Identity. Legal name, address and D-U-N-S Number should match what you give lenders.
- Trade lines. Look for accounts you don't recognize and payment history that doesn't match your paid invoices.
- UCC filings. Compare them with your secured loans and leases, and ask the lender on any paid-off loan about ending its filing.
- Public records and inquiries. Keep the release for any lien or judgment you've resolved, and note inquiries you didn't authorize.
At Experian, the FAQ sends disputes to its Commercial Relations group at BusinessDisputes@experian.com, and owners and officers can use the "Submit data dispute" function at the bottom of their online report. At D&B, you dispute payment experiences in D-U-N-S Profile Manager, and D&B says it "cannot guarantee that requested updates will be accepted or added to the company's business credit file." The Equifax product page we read gave no dispute steps beyond calling a review "the best way to catch and dispute inaccurate information," so ask the reseller or Equifax how to file.
Disputes are for information that's wrong, since accurate late payments and public records stay on the bureau's schedule. For how lenders read the owner's side, see credit scores for a business loan.
Once the files are clean, one application through EQ Funding reaches lenders who compete for the deal. Each lender sets its own criteria and decides after reviewing it.