Common Questions and Answers

Questions about business credit?

Answer :
For our complete list of Frequently Asked Questions about business credit visit this page.

Top 5 questions regarding your business credit

  • How does business credit differ from personal credit? Many small business owners don't realize that business credit scores are distinctly separate from personal credit scores. Your business credit score has no impact on your personal credit score, and vice versa. Business credit reflects your company's image to potential lenders and business partners. Yet, unlike personal credit -- which can be viewed only with the permission of the report holder -- business credit scores are made available to the public. Anyone can view your business credit score for any reason.
  • Should I separate my business and personal finances? Perhaps the most important benefit of separating your business credit from your personal credit is that having a separate line of business credit means that your personal credit is protected if your business ever gets in trouble.
  • What should I see on my business credit report? Established businesses will often have more information than newer companies. For most businesses you'll see your company credit score, actual trade payment experiences, Public record information including Liens, Judgments, Bankruptcies, and Collections information as well as Inquiry information, and Comparative data placing a company's payment performance in context with its industry.
  • Can I "freeze" my business credit report? No. But if you believe or have proof that your business has become victim to business fraud and/or identity theft, you can place a fraud alert on your business credit report. Read how.
  • How is my business credit score determined? Experian's Credit Ranking Score is determined through a statistically derived algorithm that determines risk based on multiple factors including continued here >>.

5 Reasons to Monitor Your Business

Business owner

  • 24/7 monitoring of your company's Experian credit score
  • Automatic email alerts of any unusual activity in your company's credit report that might indicate fraud
  • Unlimited access to your company's most up-to-date credit report and score
  • Dark Web Surveillance
  • Business Fraud Resolution Support

Related questions

How do I get a business credit score and report?

Does my business have a credit report?

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

Want to learn more about business credit? Watch this podcast.

Do you have more questions regarding Experian business credit reports? Return to the home page of 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.
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