Products and pricing
Experian's SmartBusinessReports offer small-business professionals like you an easy and economical way to obtain instant business credit reports online. You can monitor the health of your own business credit report and receive change alerts, or make insightful credit risk decisions about prospective business partners, suppliers and customers.
SmartBusinessReports.com provides access to business credit information on more than 27 million credit-active businesses in the United States and Canada securely within seconds. Single reports or multiple report plans can be purchased online by anyone at anytime. The available options provide varying levels of detail — from presenting the basic facts of a business to detailed business credit, payment and public record histories — in an easy-to-read format.
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View Sample
- Number of businesses:
1
Included Features+
- ✓ Business Credit Score
- ✓ Financial Stability Risk Rating NEW
- ✓ Fictitious Business Name
- ✓ Business Facts
- ✓ Industry Classification
- ✓ Corporate Registration
- ✓ Corporate Linkage
- ✓ Payment Trends
- ✓ Judgments
- ✓ Tax Liens
- ✓ Bankruptcies
- ✓ Collections Info
- ✓ UCC Summary
- ✓ Risk Rating/
Recommendation
- ✓ Credit Score Factors
- ✓ Credit Summary
- ✓ Banking, Insurance, Leasing
- ✓ Trade Payment Detail
- ✓ Inquiry Detail
- ✓ UCC Detail
- ✓ Corporate Financial Info
- ✓ Score Improvement Tips
- ✓ Unlimited Report Refreshes
- ✓ Alerts and Monitoring
- ✓ Dispute Resolution Status Alerts
- ✓ Business Identity Monitoring NEW
- X Credit Limit Recommendation
- O Business Valuation Report Add-on
$199
per month or $1,495/yr
-
View Samples
- Number of businesses:
30 per month
Included Features+
- ✓ Business Credit Score
- ✓ Financial Stability Risk Rating NEW
- ✓ Fictitious Business Name
- ✓ Business Facts
- ✓ Industry Classification
- ✓ Corporate Registration
- ✓ Corporate Linkage
- ✓ Payment Trends
- ✓ Judgments
- ✓ Tax Liens
- ✓ Bankruptcies
- ✓ Collections Info
- ✓ UCC Summary
- ✓ Risk Rating/
Recommendation
- ✓ Credit Score Factors
- ✓ Credit Summary
- ✓ Banking, Insurance, Leasing
- O Trade Payment Detail
- O Inquiry Detail
- O UCC Detail
- O Corporate Financial Info
- X Score Improvement Tips
- X Unlimited Report Refreshes
- X Alerts and Monitoring
- X Dispute Resolution Status Alerts
- X Business Identity Monitoring NEW
- ✓ Credit Limit Recommendation
- X Business Valuation Report Add-on
-
View Sample
- Number of businesses:
1
Included Features+
- ✓ Business Credit Score
- ✓ Financial Stability Risk Rating NEW
- ✓ Fictitious Business Name
- ✓ Business Facts
- ✓ Industry Classification
- ✓ Corporate Registration
- ✓ Corporate Linkage
- ✓ Payment Trends
- ✓ Judgments
- ✓ Tax Liens
- ✓ Bankruptcies
- ✓ Collections Info
- ✓ UCC Summary
- ✓ Risk Rating/
Recommendation
- ✓ Credit Score Factors
- ✓ Credit Summary
- ✓ Banking, Insurance, Leasing
- ✓ Trade Payment Detail
- ✓ Inquiry Detail
- ✓ UCC Detail
- ✓ Corporate Financial Info
- X Score Improvement Tips
- X Unlimited Report Refreshes
- X Alerts and Monitoring
- X Dispute Resolution Status Alerts
- X Business Identity Monitoring NEW
- X Credit Limit Recommendation
- O Business Valuation Report Add-on
-
View Sample
- Number of businesses:
1
Included Features+
- ✓ Business Credit Score
- ✓ Financial Stability Risk Rating NEW
- ✓ Fictitious Business Name
- ✓ Business Facts
- ✓ Industry Classification
- ✓ Corporate Registration
- ✓ Corporate Linkage
- ✓ Payment Trends
- ✓ Judgments
- ✓ Tax Liens
- ✓ Bankruptcies
- ✓ Collections Info
- ✓ UCC Summary
- ✓ Risk Rating/
Recommendation
- ✓ Credit Score Factors
- ✓ Credit Summary
- ✓ Banking, Insurance, Leasing
- X Trade Payment Detail
- X Inquiry Detail
- X UCC Detail
- X Corporate Financial Info
- X Score Improvement Tips
- X Unlimited Report Refreshes
- X Alerts and Monitoring
- X Dispute Resolution Status Alerts
- X Business Identity Monitoring NEW
- X Credit Limit Recommendation
- O Business Valuation Report Add-on
✓ Included X Not included O Optional
Note: Elements in actual reports and samples may not include all of the elements displayed above.
| Business Credit Advantage |
Experian will deliver its most comprehensive report under this plan.
IMPORTANT NOTE: To monitor multiple locations, you'll need to purchase multiple subscription plans. |
| BizVerify report |
BizVerify reports will be made available for non-scored businesses. These reports retail for $8. each.
View sample BizVerify Report.
|
Other products
$59.95
per report
Get a business credit report for companies located in these countries: Austria, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Norway, Portugal, Singapore, Spain, Switzerland, and the United Kingdom.
$99
per report
Find the financial value of your business. Answer a number of targeted financial questions about your business to generate four different value estimates and comparative analysis of income, cash flow, assets and other KPIs.
Learn more about our products
Business credit monitoring
Business Credit AdvantageSM gives you unlimited access to an individual company report. Includes our most complete report on this business. It also tracks changes to the subscribed company business credit file and displays three-month trend information in your Business Credit Dashboard on the homepage.
Business Credit Advantage continuously monitors the company report and alerts you via email on key changes posted to your monitored business credit report. It also notifies you if anyone makes an inquiry on the business credit report — whether it is a bank reviewing a credit line or a supplier checking a recent payment history. With Business Credit Advantage you will always be in the know about what is affecting your business or the business you are monitoring.
View sample Business Credit Advantage Report
For specific questions about our Business Credit Advantage plan, please review our Business Credit Advantage questions on our Help page.
Business identity monitoring
Business Credit Advantage also includes access to CyberAgent®, our priority monitoring technology, which proactively detects stolen business identifiable information and compromised confidential data online. CyberAgent is the only identity monitoring solution designed for proactive cyber detection on an international level — breaking language barriers and detecting identity theft across the globe At any point in time, our CyberAgent technology is monitoring thousands of websites and millions of data points, alerting you if we find your business information in a compromised position online. This information is being gathered in real-time, giving you the opportunity to react quickly and take the necessary steps to protect your business.
For specific questions about our business identity monitoring, please review our Business Identity monitoring questions on our Help page.
Enroll in business credit and identity monitoring
If you are a business credit professional, you'll likely need access to multiple business credit reports and scores. Experian's SmartBusinessReports.com is now offering you a product that will save you money over purchasing individual reports.
Our newest subscription access plan, Business CreditScore ProSM, provides access to up to 30 CreditScore reports a month for one low cost.
Once 30 reports have been pulled during your monthly usage period, the standard pricing per CreditScore report goes into effect.
This plan automatically renews each billing period unless you cancel it.
View sample Business CreditScore Pro report types.
Under this plan, you will have the ability to pull the Trade Payment detail, UCC filings, and Inquiry data (normally found in the ProfilePlus reports) for any of these CreditScore reports for an additional $15.00 per report. This feature will be available to you from the bottom of the standard Business CreditScore Pro Report for 7 days.
Experian also offers an Enhanced Business CreditScore Pro annual plan ($1,995) to show you the Trade Payment detail, UCC Filings, and Inquiry data automatically on all of your reports. Each of these plans will be available following a business search.
You can sign up for the Business CreditScore Pro subscription plan by starting a new search from one of our company search boxes and clicking the Purchase Plan button on the company confirmation / product selection page.
Purchase an annual subscription for the Business CreditScore Pro 30-report plan and save $893 compared to paying $199 month for 12 months.
For specific questions about this plan, please read our Business CreditScore Pro FAQ >>
Enroll in Business CreditScore Pro
This is Experian's premium business credit report and includes our most detailed listing of a company's registration information, trade and payment trends, days beyond terms, and full Uniform Commercial Code (UCC) filing information — including liens and judgments. This report is designed to help you fully understand your business's credit file or thoroughly analyze a key partner, supplier or customer. This report includes our proprietary Experian Business Credit Score to help you determine the creditworthiness of the company.
View sample ProfilePlus Report
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This is Experian's proprietary business credit report and score. This full-length report includes summary information on business registration, collections, payments and Uniform Commercial Code (UCC) filing items. This report also includes our proprietary Experian Business Credit Score to help you quickly determine the creditworthiness of the company you are researching.
View sample CreditScore Report
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This is Experian's snapshot view of a business credit file. This report is ideal for verifying that a new business is in our National Business Database. This brief summary report provides any available information on a business's registration information — even for businesses that have not yet established an Experian Business Credit Score. If you have recently opened a business, check this report to see if you are listed in our national database.
View sample BizVerify Report
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In today's global business environment, knowing the risk associated with international business partners is critical. Business verification and risk assessment ensures stronger relationships, reduces exposure to regulatory penalties, and helps protect your company from fraud. That's why Experian created its international business credit report. Experian's international business credit report enables you to identify risks and build trust more quickly.
Experian provides international business credit reports from: Austria, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Norway, Portugal, Singapore, Spain, Switzerland, and the United Kingdom.
View sample international report
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Knowing the financial value of a business helps owners: obtain adequate insurance coverage, raise capital, get a loan, sell a business, protect ones wealth and estate planning, satisfy curiosity, and more.
What was once a time-consuming, expensive ordeal traditionally conducted by financial appraisers is now a highly-accurate, cost effective and fast process for immediate insight.
Simply answer a number of targeted questions about your business and get this immediate insight today with a real-time PDF report you can save. A proprietary algorithm generates business valuation results representing four different value estimates and comparative analysis of income, cash flow, assets and other KPIs.
View sample Business Valuation Report
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Business CreditScore Pro℠ plan holders have access to this number of reports during each monthly billing cycle.
Business Credit Advantage℠ plan holders have access to their report and all of its updates for the length of the subscription.
The objective of the Experian Business Credit Score (aka: Experian Intelliscore Plus℠) is to predict seriously derogatory payment behavior.
| Score Range | Risk Level |
| 1-10 | High Risk |
| 11-25 | Medium to High Risk |
| 26-50 | Medium Risk |
| 51-75 | Low to Medium Risk |
| 76-100 | Low Risk |
The Experian Business Credit Score is calculated by a statistically derived algorithm, designed to determine risk based on multiple factors including:
- 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
The objective of the Financial Stability Risk Rating is to predict the likelihood of payment default and/or bankruptcy within the next 12 months.
Experian categorizes all businesses to fit within one of the five risk segments. This rating will be presented in all of our scored reports.
| Risk Rating | Risk Level | Bad Rate |
| 5 | High Risk | 35.27% |
| 4 | Medium to High Risk | 10.00% |
| 3 | Medium Risk | 2.95% |
| 2 | Low to Medium Risk | 1.11% |
| 1 | Low Risk | .55% |
Most companies and individuals select a fictional name for their businesses.
(For example, “John Smith Automotive” is not a fictitious business name as long as the owner is named John Smith, but “Main Street Automotive” is.)
Companies record Fictitious Business Name (FBN) — also referred to as Doing Business As (DBA), Trade Name or Assumed Name — filings with the appropriate county recorder, county clerk or county business licensing office.
Key facts are the basic information about a company: address, phone number, etc.
It may also include any of the following based upon availability: sales, number of employees, names and titles of key personnel, years in business, date of incorporation, Filing data provided by, primary business activity, and other demographic data.
In most cases, the Experian reports contain both the SIC Code and the NAICS Code for that business.
SIC Code: The Standard Industrial Classification is a United States government system for classifying industries by a four-digit code.
NAICS: The North American Industry Classification System is also a system for classifying industries but has as greater level of detail than what is achieved under the SIC classification system. The NAICS system uses 4-8 digits to represent the individual industries.
Corporate Registration includes information on the state of the company’s incorporation/registration, the date of the incorporation/registration, and the current status of the registration.
Use it to:
- Identify relationships within a corporate family
- Gain a better understanding of the business structure and overall corporate responsibility
- Assess risk with a complete perspective on the entire corporate organization
Family Linkage contains the Ultimate Parent, Parent/Headquarters, Subsidiaries, and Branch/Alternative locations for those locations that have these relationships.
Reports on Branch/Alternative Locations are not available because this information is typically merged into the parent report.
These are graphical elements showing the company’s payment history over time.
Number of judgments filed. This does not include judgments satisfied. Therefore, the judgment may be satisfied but you cannot tell or “match” the satisfied judgment.
The information generally includes: date, plaintiff, filing agency, legal type, legal action, document number, liability amount, and description.
Experian reports on judgments released within the past five years.
This section shows activity related to open tax liens levied against the company.
The information generally includes: date, filing agency, legal type, legal action, document number, liability amount, and description.
It is a process that allows a company or organization to get relief from their debts if they become unmanageable.
The information generally includes the date, legal type, legal action, and document number.
Experian reports on bankruptcies that occurred within the past nine years.
This portion of the report shows a summary of the actual collections reported.
Detailed data is summarized into the status of the collection activity, with the dollar amounts for items in dispute and items collected.
Companies that extend secured loans to other businesses file Uniform Commercial Code (UCC) documents with the appropriate secretary of state office to protect their interest in the asset.
UCC Detail
This is the detail of the actual UCC filing, the information generally includes the date, filing number, jurisdiction, secured party, and collateral activity.
UCC Summary
The number of UCC filings, but excludes the detailed information about each one.
The objective of the Experian Credit Ranking Score (AKA: Experian Business Credit Score/Experian Intelliscore Plus℠) is to predict seriously derogatory payment behavior.
Scores range from 1 to 100 where 1 represents a high risk and 100 represents a low risk.
| Score Range | Risk Level |
| 1-10 | High Risk |
| 11-25 | Medium to High Risk |
| 26-50 | Medium Risk |
| 51-75 | Low to Medium Risk |
| 76-100 | Low Risk |
It is not uncommon for business credit scores to fluctuate. Experian examines more than 140 variables to determine a business credit score.
Score Factors include:
- The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies
- An increased trend in slow payment of obligations
- An increase in the number of business credit inquiries
- 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) code, size of business and other demographic data, and more
This is a summary of the key factors relating to creditworthiness of a company.
This includes any information we have available about commercial financial relationships the company may have with a bank, insurance company, or lessor.
Generally, this information may include the name of the company’s primary bank, insurance companies that have issued policies to it, and the details of leases that have been reported.
A tradeline is a reported line of credit. A tradeline is also known as a trade payment provided by one of your accounts.
Tradeline payment experiences can be used to recognize early, on-time, and/or late payment patterns.
Tradeline payment experiences are listed by Supplier Category (e.g. “Credit Card”, “Airlines”, “Office Equipment”, etc.)
Generally, the more tradelines reporting, the more informative the payment analysis.
Inquiries are the number of companies making inquiries on the subject company in the last 9 months.
Companies that extend secured loans to other businesses file Uniform Commercial Code (UCC) documents with the appropriate secretary of state office to protect their interest in the asset.
UCC Detail
This is the detail of the actual UCC filing, the information generally includes the date, filing number, jurisdiction, secured party, and collateral activity.
UCC Summary
The number of UCC filings, but excludes the detailed information about each one.
Public company corporate financial information on some public businesses.
After analyzing your current business credit report and the Key Score Factors listed within it, we will create a list of suggested action items to help you improve your business credit score.
This information will appear in a separate block near the bottom of our Business Credit Advantage reports.
When you purchase a Business Credit Advantage℠ plan for a company, you will have unlimited access to that company’s report for the duration of the plan.
Since this information can change daily, we recommend frequent visits to the site.
To view the most recent report you would click on “View Latest Report” on your logged in ’Home’ page or under ’My companies’.
An automated email alert is sent if key changes to the business profile are detected.
Scored report alert types:
- Potentially negative information
- Score change
- Business address change
- Inquiry
- New credit tradeline opened
- Business public records (Bankruptcy, Lien, Judgment, Collection)
- Late payment
- UCC changes
When you submit a business dispute, a Commercial Relations Agent is assigned to conduct a thorough investigation of your credit file and in most cases make the necessary updates.
Notifications of this process are both emailed to you and available for you to see on your logged in home page within the section titled “Your business credit report disputes”.
CyberAgent®, our priority monitoring technology, proactively detects stolen business identifiable information and compromised confidential data online. CyberAgent is the only identity monitoring solution designed for proactive cyber detection on an international level — breaking language barriers and detecting identity theft across the globe.
At any point in time, our CyberAgent technology is monitoring thousands of websites and millions of data points, alerting you if we find your business information in a compromised position online. This information is being gathered in real-time, giving you the opportunity to react quickly and take the necessary steps to protect your business.
Experian currently can scan the dark web for finds of your email addresses, phone numbers, credit/debit cards, your small business website IP address, and your small business email domain credentials.
This recommendation compares this business against similar businesses in the Experian business credit database. It is based on payment performance, industry, age of business and the risk rating.
This recommendation, available on most scored businesses, is a guide. The final decision must be made based on your company’s business policies.
Experian is offering a Business Valuation report that can help you determine the value of your company. The typical cost of a business valuation through an appraiser is expensive (about $8,000) and requires several weeks to disclose and complete.
To get your customized report you’ll need to answer a number of questions about your business such as your: annual revenue, officer compensation, expenses, assets, liabilities, loans, rents, etc. over the past 1-3 years.
Once the interview process has completed we’ll provide you with a PDF report containing a financial summary and Key Performance Indicators (KPIs) to denote your business performance to the industry average.
These reports are used for: Insurance purposes, Selling the business, Getting a loan, Raising capital, Estate planning and more.
The Business Credit Advantage report contains the same amount of information as our most complete report for that business (be it a ProfilePlus℠, CreditScore℠, or BizVerify℠ report.) But unlike an individual report purchase, you will have unlimited access to it, and more for the length of your plan.
An automated email alert is sent if key changes to the business profile are detected.
Scored report alert types:
- Potentially negative information
- Score change
- Business address change
- Inquiry
- New credit tradeline opened
- Business public records (Bankruptcy, Lien, Judgment, Collection)
- Late payment
- UCC changes
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