Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
Business Credit Card Reporting

Was looking around for the answer to this question:  What credit bureaus do business VISA/MC/AMEX report to for the business?  I know it is probably different from credit card to credit card but I am interested in hearing ones that you know.  Mostly I am interested in the big banks like Chase, Capital One, Citibank, etc.  I assume I will need to PG them, but want to know if I am building business credit.

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Frequent Contributor
SamsungHDTV
Posts: 453
Registered: ‎10-25-2011
Re: Business Credit Card Reporting

Crashem wrote:

Was looking around for the answer to this question:  What credit bureaus do business VISA/MC/AMEX report to for the business?  I know it is probably different from credit card to credit card but I am interested in hearing ones that you know.  Mostly I am interested in the big banks like Chase, Capital One, Citibank, etc.  I assume I will need to PG them, but want to know if I am building business credit.


Chase will report for the business and not under your personal credit report. Not sure about the others.

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Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
Re: Business Credit Card Reporting

Do you know which business credit agencies they report to?

 

D&B, Experian, Equifax?

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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
Re: Business Credit Card Reporting

Lets bump this. I would like to know also.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Contributor
CreditEd
Posts: 140
Registered: ‎07-01-2012
Re: Business Credit Card Reporting

Brian_Trying_700 wrote:

Lets bump this. I would like to know also.


Looking for something concrete on this as well.

 

 

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | AMEX Delta Sky Platinum ($10,000 | AMEX H. Honors ($2,000) | Citi Hilton Honors Reserve ($14,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000) | FNBO Platinum MC (awaiting the limit) | HSBC Platinum ($2,000) | US Bank Cash+ Visa Signature ($5,000)
Frequent Contributor
kimmiller112
Posts: 463
Registered: ‎04-09-2012
Re: Business Credit Card Reporting

My Capital One business card reports to D&B, Equifax and Experian.  Can't help with other cards.

10/13/13: TU 695, EQ 683, EX 716, USAA FAKO 728 for all 3 - Goal: 760
Closed on house 10/18/13
Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - B of A 123 $7500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $4000 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $1000-$7600
Contributor
CreditEd
Posts: 140
Registered: ‎07-01-2012
Re: Business Credit Card Reporting

For EQ and EXP the better questions is do your corporate cards report to the bureaus by your soc # or you business EIN?

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | AMEX Delta Sky Platinum ($10,000 | AMEX H. Honors ($2,000) | Citi Hilton Honors Reserve ($14,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000) | FNBO Platinum MC (awaiting the limit) | HSBC Platinum ($2,000) | US Bank Cash+ Visa Signature ($5,000)
New Member
benzaring
Posts: 7
Registered: ‎01-16-2009
Re: Business Credit Card Reporting

My Chase Ink card reports on my personal reports.... 

Mega Contributor
Creditaddict
Posts: 16,847
Registered: ‎10-23-2007
Re: Business Credit Card Reporting

benzaring wrote:

My Chase Ink card reports on my personal reports.... 


Really? They never reported before from what I understood, that's sad!

 

Capital One reports to personal Credit Aso

 

American Express does not report to personal unless you go VERY delinquent....

 

Discover reports to personal too.

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
New Visitor
alces
Posts: 1
Registered: ‎03-10-2013
Re: Business Credit Card Reporting

Old thread, I know, but I am in the middle of researching this and found this site from a couple of years back with a brief summary:

 

http://www.cardhub.com/edu/small-business-credit-card-study-april-2011/

 

My commercial cards from Menards (Capital one, I believe) and Home Depot (Citi) both do not report. But it seems they go on the Equifax report in the business name.