Common Questions and Answers

Why did my business credit score drop when I do not see any significant changes in my business credit report?

Answer :
It is not uncommon for a business credit score to fluctuate slightly. Experian's proprietary model for business credit scores looks at over 140 modeling variables to derive the business credit ranking score, so there are other factors beyond what is displayed on the business credit report that can cause a score to slightly change or shift.

Factors include, but are not limited to:

  • The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies
  • The status, recent status, frequency and dollar amounts of any applicable liens, judgments, or bankruptcies
  • An increased trend in slow payment of obligations
  • An increase in the number of business credit inquiries or applications that are generated by the business or owner
  • The number of trade experiences, balances outstanding, payment habits, credit utilization, and trends over time
  • Years in business, line of business or Standard Industrial Classification (SIC), size of business and other demographic data

Related questions

How do I get a business credit score and report?

What type of information can be found in a business credit report?

Can business credit reports save my business money?

Why is it important to establish a business credit report separate from personal credit?

Do you have more questions regarding Experian business credit reports? Return to the home page of BusinessCreditFacts.com for more commonly asked business credit questions, additional resources, and special offers to help you manage and grow a business.

You may also view our full list of frequently asked questions by visiting this page.
Like to see a new topic covered? Send topic suggestions to: .

Find us on Linkedin    Find us on Facebook    Find us on Twitter    Find us on YouTube    Find us on Instagram