Checking Business Credit

drewricomakeubu · ‎11-29-2023

Are there any free ways to check your business credit? I'm seeing Experian Business is $189 Annually and $99 per report. Don't really want to spend too much money right now since work is slow this time of year and I'm about to take an international trip. Just wondering if there's any way to check for free.

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
Chase Ink Preferred $16,000
Capital One Savor $7,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC

SouthJamaica · ‎11-29-2023

@drewricomakeubu wrote:
Are there any free ways to check your business credit? I'm seeing Experian Business is $189 Annually and $99 per report. Don't really want to spend too much money right now since work is slow this time of year and I'm about to take an international trip. Just wondering if there's any way to check for free.

I've never seen one.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

cashorcharge · ‎11-29-2023

@SouthJamaica wrote:
@drewricomakeubu wrote:
Are there any free ways to check your business credit? I'm seeing Experian Business is $189 Annually and $99 per report. Don't really want to spend too much money right now since work is slow this time of year and I'm about to take an international trip. Just wondering if there's any way to check for free.
I've never seen one.

Agreed...not that I am aware of

104848 · ‎11-30-2023

@drewricomakeubu wrote:
Are there any free ways to check your business credit? I'm seeing Experian Business is $189 Annually and $99 per report. Don't really want to spend too much money right now since work is slow this time of year and I'm about to take an international trip. Just wondering if there's any way to check for free.

yes, i have gotten reports for free with an adverse action letter after applying for credit (kinda like personal credit)

send an email to rfr@experian.com

include your business info such as legal business name, physical address, phone, who is requesting

just say you are requesting a credit report because your biz was denied credit from XYZ credit card co. and attach a copy of the adverse action letter to the email that references something like this:

Our credit decision was based, in whole or in part, on information about your company obtained in a report from the following credit reporting agency:

Experian Commercial Relations - RFR
P.O. Box 5001
Costa Mesa, CA 92628-5001
1-888-211-0728