Experian Business Credit Score

Business Credit Scores differ from Personal Credit Scores

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. A business credit report shows the same types of information as a personal credit report, but it is specific to a business's debt repayment and public records, such as bankruptcies or tax liens.

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.

Furthermore, business credit is expressed with a different numerical range than personal credit. Business credit scores provide a quick view of a company's risk potential based on a scale of 1 to 100 -- the higher the score, the lower the risk. The objective of the Experian Business Credit Score (Intelliscore PlusSM) is to predict seriously derogatory payment behavior.

Business Credit Score RangeRisk ClassRisk Description
51-752Low to Medium
11-254Medium to High

Learn How Experian Business Credit Scores Are Calculated

We collect three types of information regarding your business:

  • Credit obligation information from your suppliers and lenders
  • Legal filings from local, county and state courts
  • Company background information from independent sources, including state filing offices, public records, credit card companies, collection agencies, corporate financial information and marketing databases
This information is combined with data from other sources, including actual trade payment experiences submitted by payees, public record information, collections information, company background and comparative data that places a company's payment performance in context within its industry.

Your Experian business credit score is then calculated by a statistically derived algorithm, designed to determine risk based on multiple factors:

  • Credit: Number of trade experiences, balances outstanding, payment habits, credit utilization and trends over time
  • Public Records: Recency, frequency and dollar amounts associated with liens, judgments or bankruptcies
  • Demographic Information: Years on file, Standard Industrial Classification (SIC) code and business size

Business Credit Score - Interactive Score Planner

Guesswork is no way to understand your business credit score.

Educate yourself on the impact certain business credit behaviors have on your score with our new learning tool called Business Score Planner.

Use the Business Credit Score Planner tool to:
• Learn how changes in your credit information influence your potential score
• Test out theories by seeing how your potential score might change
• View possible scenarios to find out how they can positively or negatively sway your score

The tool provides projected scores based on common scenarios that may impact your business credit score the most. Learn what these are and use the easy-to-navigate interactive levers for score change estimates.

Best of all, this tool sits side-by-side with your actual credit score on your Business Credit AdvantageSM report. Log-in or sign-up for Business Credit Advantage today and give it a try.