Different bureaus, different scores
Personal credit is tracked by Equifax, Experian and TransUnion, with scores like FICO ranging from 300 to 850. Business credit lives at different bureaus — Dun & Bradstreet, Experian Business and Equifax Business — with different score ranges. Dun & Bradstreet's PAYDEX, for example, runs from 1 to 100 and is based almost entirely on how early you pay.
Business credit doesn't build itself
Personal credit starts building as soon as you open an account. Business credit only builds when your vendors and lenders report your payments — and many don't report by default. That's why choosing accounts that report to the business bureaus matters so much in the early stages.
Anyone can check your business credit
Unlike personal credit, business credit reports are public for a fee — lenders, suppliers and even competitors can pull them. A strong business profile works for you around the clock; a thin or messy one is visible too.
Our 7-step business credit building guide walks through the full setup, from entity to established profile.