I have Capital On Tap and they report monthly to Experian. My Home Depot and ExxonMobile business cards through Citi also report monthly to Experian.
i was considering getting this new secured business card from Tillfull because it is supposed to report to Experian, D&B, and Equifax. They wanted a minimum of $500 to open it. Still sitting and thinking about it because it's annoying to have to lock away money just to accomplish this one goal.
TBH, it is hard to find vendors that report to all three, or even one bureau consistently. But I think whoever told you that Net30s are more likely to report to Equifax and D&B is correct. Those are my only accounts that ever reported to those bureaus. I know Quill reports to D&B. I think Grainger may report to Equifax, but I don't have a way of verifying that because I can't see my EQ business report.
@bizcredit11 wrote:
@AzCreditGuy wrote:I use Nav, Duns mostly for my credit reports and they are all different.
I have the following trades
1. Chev gas card
2. Wells Buss CC
3. Wells Buss LOC
4. SBA loan
Duns shows 3 tradelines with a score of A for paydex on Nav report
Experian shows 1 tradeline with a score of B on Nav report
Equifax is not attinable on Nav, I was told I would need a Net30 for reporting to happen.
Can someone tell me why all 4 of my tradelines would be reporting on these business credit reports?
I believe I had a net30 account from one of the newer types for $10k, but they closed my account for never using it.
I know Best Buy, Office Max, offer Net30s but to be honest with you, I would never use these services monthly and some cases not even yearly. Is there a net30 that is much more than office supplies or electronics? If so, any with no HP on personal?
@AzCreditGuy Well your Chev gas card is most likely D&B while your WF products report to SBFE which can then make it over to D&B as well. That would add up because you have a paydex with those 3 accounts. The SBA does not report as far as I am aware.
bizcredit11
@Anonymous
Ok I figured out Duns and Equifax. Experian I tried when I ordered a business report for $39.99 and they wanted to pay another $15 for tradeline info, so shady of them. I fogot that I had a Equifax report from 04/29/21 that was sent to me, I guess I was going to look at it some point.
My business credit:
1. Chev gas card
2. Wells Buss CC
3. Wells Buss LOC
4. SBA loan
1. Duns is reporting 1, 2 and 3.
2. Equifax is reporting 1 and 3 only
3. Experian is only reporting 1 tradeline and I am not sure what is it.
Duns has my Paydex at an A, was told from the Nav person that is high and they also have my SIC and NAIC code, correct.
The Experian report that I paid $39.99 didnt show me which tradeline they report. They have my business credit score at 47 a med risk and Financial Stability Risk Rating at 4. They have my employee size wrong and SIC and NAIC codes completely wrong.
Nav is showing me as a risk grade of B? I feel Experian has my business at a high risk. I contacted Experian on this report.
Equifax has SIC and NAIC codes completely wrong. Business delinquency score at 553 out of 600. Business failure score of 1445 out of 1600. The rest of the scores are the same and rate pretty high on Equifax, just like Duns.
Ok if Equifax is showing 2 tradelines, why cant I pull a report from Nav? See below, everytime I try to pull the report nothing comes up
@AzCreditGuy wrote:
@bizcredit11 wrote:
@AzCreditGuy wrote:I use Nav, Duns mostly for my credit reports and they are all different.
I have the following trades
1. Chev gas card
2. Wells Buss CC
3. Wells Buss LOC
4. SBA loan
Duns shows 3 tradelines with a score of A for paydex on Nav report
Experian shows 1 tradeline with a score of B on Nav report
Equifax is not attinable on Nav, I was told I would need a Net30 for reporting to happen.
Can someone tell me why all 4 of my tradelines would be reporting on these business credit reports?
I believe I had a net30 account from one of the newer types for $10k, but they closed my account for never using it.
I know Best Buy, Office Max, offer Net30s but to be honest with you, I would never use these services monthly and some cases not even yearly. Is there a net30 that is much more than office supplies or electronics? If so, any with no HP on personal?
@AzCreditGuy Well your Chev gas card is most likely D&B while your WF products report to SBFE which can then make it over to D&B as well. That would add up because you have a paydex with those 3 accounts. The SBA does not report as far as I am aware.
bizcredit11
@Anonymous
Ok I figured out Duns and Equifax. Experian I tried when I ordered a business report for $39.99 and they wanted to pay another $15 for tradeline info, so shady of them. I fogot that I had a Equifax report from 04/29/21 that was sent to me, I guess I was going to look at it some point.
My business credit:
1. Chev gas card
2. Wells Buss CC
3. Wells Buss LOC
4. SBA loan
1. Duns is reporting 1, 2 and 3.
2. Equifax is reporting 1 and 3 only
3. Experian is only reporting 1 tradeline and I am not sure what is it.
Duns has my Paydex at an A, was told from the Nav person that is high and they also have my SIC and NAIC code, correct.
The Experian report that I paid $39.99 didnt show me which tradeline they report. They have my business credit score at 47 a med risk and Financial Stability Risk Rating at 4. They have my employee size wrong and SIC and NAIC codes completely wrong.
Nav is showing me as a risk grade of B? I feel Experian has my business at a high risk. I contacted Experian on this report.
Equifax has SIC and NAIC codes completely wrong. Business delinquency score at 553 out of 600. Business failure score of 1445 out of 1600. The rest of the scores are the same and rate pretty high on Equifax, just like Duns.
Ok if Equifax is showing 2 tradelines, why cant I pull a report from Nav? See below, everytime I try to pull the report nothing comes up
Believe it or not Nav only shows non-financial tradelines on your Equifax biz report. So, only net 30's and other basic tradelines. The financial tradelines are kept by Equifax and not shared in the Nav paid reports. I was told by a Nav rep that Equifax wouldn't share financial tradelines at this time.
The only biz credit report I pay for is the Experian annual subscription. It lists Experian reporting as well as SBFE reporting. You are at high risk according to Experian because you only have 1 tradeline reporting. It's a pretty simple situation to improve...just get more Experian tradelines.
bizcredit11
@bizcredit11 wrote:
@AzCreditGuy wrote:
@bizcredit11 wrote:
@AzCreditGuy wrote:I use Nav, Duns mostly for my credit reports and they are all different.
I have the following trades
1. Chev gas card
2. Wells Buss CC
3. Wells Buss LOC
4. SBA loan
Duns shows 3 tradelines with a score of A for paydex on Nav report
Experian shows 1 tradeline with a score of B on Nav report
Equifax is not attinable on Nav, I was told I would need a Net30 for reporting to happen.
Can someone tell me why all 4 of my tradelines would be reporting on these business credit reports?
I believe I had a net30 account from one of the newer types for $10k, but they closed my account for never using it.
I know Best Buy, Office Max, offer Net30s but to be honest with you, I would never use these services monthly and some cases not even yearly. Is there a net30 that is much more than office supplies or electronics? If so, any with no HP on personal?
@AzCreditGuy Well your Chev gas card is most likely D&B while your WF products report to SBFE which can then make it over to D&B as well. That would add up because you have a paydex with those 3 accounts. The SBA does not report as far as I am aware.
bizcredit11
@Anonymous
Ok I figured out Duns and Equifax. Experian I tried when I ordered a business report for $39.99 and they wanted to pay another $15 for tradeline info, so shady of them. I fogot that I had a Equifax report from 04/29/21 that was sent to me, I guess I was going to look at it some point.
My business credit:
1. Chev gas card
2. Wells Buss CC
3. Wells Buss LOC
4. SBA loan
1. Duns is reporting 1, 2 and 3.
2. Equifax is reporting 1 and 3 only
3. Experian is only reporting 1 tradeline and I am not sure what is it.
Duns has my Paydex at an A, was told from the Nav person that is high and they also have my SIC and NAIC code, correct.
The Experian report that I paid $39.99 didnt show me which tradeline they report. They have my business credit score at 47 a med risk and Financial Stability Risk Rating at 4. They have my employee size wrong and SIC and NAIC codes completely wrong.
Nav is showing me as a risk grade of B? I feel Experian has my business at a high risk. I contacted Experian on this report.
Equifax has SIC and NAIC codes completely wrong. Business delinquency score at 553 out of 600. Business failure score of 1445 out of 1600. The rest of the scores are the same and rate pretty high on Equifax, just like Duns.
Ok if Equifax is showing 2 tradelines, why cant I pull a report from Nav? See below, everytime I try to pull the report nothing comes up
Believe it or not Nav only shows non-financial tradelines on your Equifax biz report. So, only net 30's and other basic tradelines. The financial tradelines are kept by Equifax and not shared in the Nav paid reports. I was told by a Nav rep that Equifax wouldn't share financial tradelines at this time.
The only biz credit report I pay for is the Experian annual subscription. It lists Experian reporting as well as SBFE reporting. You are at high risk according to Experian because you only have 1 tradeline reporting. It's a pretty simple situation to improve...just get more Experian tradelines.
bizcredit11
I wont add a net 30 as I wont use it, so what other basic tradelines does Experian need? I mean the fact that a Business CC and LOC are not basic enough for Experian, boogles my mind.
