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Business Credit Reports??

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Business Credit Reports??

Hi all,

 

Does anyone know which reports business cards with Personal Guarantee report to? I checked Dun and Broadstreet and Experian Business but couldn't find my credit information on them. Any help is appreciated!

Message 1 of 4
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Established Contributor

Re: Business Credit Reports??


@Uh_oh_Wells wrote:

Hi all,

 

Does anyone know which reports business cards with Personal Guarantee report to? I checked Dun and Broadstreet and Experian Business but couldn't find my credit information on them. Any help is appreciated!


Screen Shot 2019-05-06 at 8.52.06 PM.png

Jax

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Message 2 of 4
Valued Contributor

Re: Business Credit Reports??


@jaxstraw wrote:

@Uh_oh_Wells wrote:

 


I am getting conflicting answers from Cap1 about who they do report to.  For 2 months nothing on my Exp. Biz. Cap1 Spark.  CSR from Cap1 said to call back in two weeks if it hadn't shown up on my report by that time to submit a dispute.  I waited a month.  CSR yesterday said they do not report to Exp Biz, I find this to be true.  I have requested Exp. Biz to add my Spark tl, never heard back, still nothing.  The only thing Exp. Biz shows is the hardpull from the Spark app. but that's it. Does anyone have a Cap1 reporting to Exp. Biz?  If so, how long ago was first report date? Thanks

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Message 3 of 4
Established Contributor

Re: Business Credit Reports??


@LauraC wrote:

@jaxstraw wrote:

@Uh_oh_Wells wrote:

 


I am getting conflicting answers from Cap1 about who they do report to.  For 2 months nothing on my Exp. Biz. Cap1 Spark.  CSR from Cap1 said to call back in two weeks if it hadn't shown up on my report by that time to submit a dispute.  I waited a month.  CSR yesterday said they do not report to Exp Biz, I find this to be true.  I have requested Exp. Biz to add my Spark tl, never heard back, still nothing.  The only thing Exp. Biz shows is the hardpull from the Spark app. but that's it. Does anyone have a Cap1 reporting to Exp. Biz?  If so, how long ago was first report date? Thanks


I don't know if they report directly to Experian. But they report to the SBFE. The SBFE is kind of like the Lexis/Nexis of business reporting. They just gather a lot of data and other agencies subscribe to their data. The data eventually makes it to the other agencies but it is very slow. Its not on a regular schedule as far as I can tell and it happens in bulk. They will one day pull a data dump from SBFE and all of a sudden your business reports will have months of new data. Not ideal, I know.

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