Understanding Business Credit

Why did my business credit score change?

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It is not uncommon for your business credit score to fluctuate slightly. Using our model for business credit scores, we examine more than 140 variables to determine your score. There are many factors — beyond what is displayed on the business credit report — that may cause your score to 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, recency, 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 the 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) code, size of business and other demographic data

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