Credit Advice » Debt » Credit Cards » Business Credit Cards on Your Personal Credit Report

Business Credit Cards on Your Personal Credit Report

Dear Experian,

I am the sole proprietor of an LLC. Will credit cards in my name and the name of the business show up on my personal credit report?

– AHK

Dear AHK,

The answer depends on how you are associated with the business accounts. If you acted as a cosigner or guarantor for the business credit cards, and the accounts are in your name as well as the name of the business, they will likely appear on your personal credit report as well as your business credit report. If you are not a personal guarantor of the accounts, they may not appear on your personal report.

Anytime you agree to be personally responsible for payments on the company’s accounts, the accounts may appear on your personal credit report, too.

If you do not know whether the creditors are reporting the accounts on your personal credit report, you can request a free report once every 12 months. Learn how you can request an annual credit report. You can also get your Experian credit report for free at any time with no credit card required.

Thanks for asking.
The “Ask Experian” team

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free
Have a Question for Experian?

Your privacy and the information collected here.

Find Credit Cards and Loans Matched to You

Experian uses its vast data resources to match you with offers that are the perfect fit for you and the life you want.

Sign Up for Free to See OffersBrowse all credit cards.

What Should You Know About the Dark Web?

Learn more about what the dark web is, and why it should matter to you as a part of your identity protection strategy.