How to Buy a Self-Serve Business Credit Report

Ann Marie Smith

Nov 13, 2020

When you are extending credit or depending on a supplier to deliver goods you need for your business, you are counting on them doing what they say they will. However, if you have granted credit based on repayment terms and the company does not pay on time, it can hurt your cash flow. If the supplier is in financial trouble, they may not be able to buy the raw materials to create your products promptly.

Anytime you take on a new customer, supplier or vendor, you might be putting your business at risk if you do not know their financial situation. Fortunately, there is an easy way to check.

Buy Business Credit Reports

With accredit, you can buy business credit reports with just a few clicks. You do not even need to search for each of the different credit reporting agencies and dig through pages of content to find the information you need. You can easily search different types of business credit reports from Equifax, Experian, and Dun & Bradstreet, find the one that fits your needs and instantly download it without having to sign up for a subscription.

Here are some of the reports that are available and what they will tell you.

Experian Business Credit Reports

Experian Score Summary provides a top-level report with business identity and business description details. It also includes a Risk Dashboard and Payment and Legal Filings Summaries.

Risk Dashboard

  • Repayment Risk
  • Financial Stability Risk Score
  • Credit Limit Recommendation
  • Days beyond payment
  • Terms
  • Derogatory legal filings and fraud alerts

Payment and Legal Filings Summary

  • Days Beyond Terms
  • Creditor Balances
  • Bankruptcy
  • Liens
  • Judgments & UCC filings

To buy an Experian Business Credit report, view a sample or order now.

Dun and Bradstreet Business Credit Reports

Dun & Bradstreet gives you an in-depth look at a company’s profile, business affiliations, and predictive information about the business.

D&B Paydex Score

The Dun & Bradstreet Paydex Score analyzes payment performance and whether a business pays its bills on time. It rates overall performance on a scale from one to 100 with 100 representing perfect payment history. Scores above 80 are considered low risk. The D&B Paydex Score places more weight on large debts.

Many businesses submit information about their payment experiences with companies. These trade references (or tradelines) act as key signals about creditworthiness and whether a business pays its bills on time.

To buy a Dun and Bradstreet Business Credit report, view a sample or order now.

Equifax Business Credit Reports

Equifax provides a top-level report that tracks business identity and description, including stock exchange information and Forbes 1000 rating. It also includes a Risk Dashboard and Payment & Legal Filings Summary.

Risk Dashboard

  • Credit Score
  • Repayment Risk
  • Stability Risk Score
  • Credit Limit Recommendation
  • Days beyond payment
    Terms
  • Derogatory legal filings and fraud alerts

Payment & Legal Filings Summary

  • Days Beyond Terms
  • Creditor Balances
  • Bankruptcy
  • Liens
  • Judgments & UCC filings

Equifax business credit reports also include summary-level tradeline details for both financial transactions and non-financial tradelines and detailed owner/guarantor information.

To buy an Equifax Business Credit report, view a sample or order now.

Complete Detail Business Credit Reports

Complete Detail reports go beyond Score Summary Reports by providing deeper insight into the factors that make up the score. These include:

  • The Experian Premier Profile
  • Dun & Bradstreet BIR Report
  • Dun & Bradstreet Public Records Report

You can see details about what these reports include, view samples, and buy business credit reports online.

Business Credit Reports for Your Own Business

It is also a good idea to buy a business credit report for your own business so you know what other businesses learn about your company when they pull a report.

If you are applying for a business loan, your business credit scores can impact the amount of money you may be able to borrow and the terms you will be offered. The same can applies to vendors and suppliers that you work with when you are buying on credit. The higher your credit score, the better your chances are of being able to negotiate better terms and conditions.

It can also help you find gaps or blemishes on your business credit report so you can address or correct them before you apply for financing and have a ready explanation.

Buy Business Credit Reports and Download Instantly

Buying a business credit report is easy with accredit. You can search for and buy business credit reports by selecting the reports you need and downloading them. Pull credit reports on-demand when you need them. There is no need to sign up for long-term subscription services.