Commercial Equifax, Corporate Experian, and Dun & Bradstreet are the three major business credit bureaus. They gather and report data independently of each other, and each offers a unique strategy for building business credit
Dun & Bradstreet is a dominant force when it comes to business to business credit and business to government credit. Which means that unless you are looking for a vendor line of credit, or bidding on a government contract, its practical uses are limited for the every-day small business owner.
There are about a dozen business credit bureaus, but the largest by far is Commercial Equifax. Just about every creditor who lends to businesses reports to them, and they have specialized departments for dealing with niche industries such as medical, real estate, and staffing agencies. Chances are if your business has applied for a loan or a line of credit, that your Commercial Equifax Report will play a key role in determining the amount that you are approved for, as well as your interest rate and terms.
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