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

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

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Average U.S. business score is 62

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