Tag: Bureaus

All You Need to Know About The 3 Credit Bureaus

What are the 3 Credit Bureaus for Business All About? Are they really different? The 3 credit bureaus all have reports – are any of them more valuable than the others? The 3 Credit Bureaus for Business There are three credit reporting agencies for business in the US: Dun & Bradstreet Experian Equifax Commercial These … Continue reading All You Need to Know About The 3 Credit Bureaus

All You Need to Know About The 3 Credit Bureaus

What are the 3 Credit Bureaus for Business All About?

Are they really different? The 3 credit bureaus all have reports – are any of them more valuable than the others?

The 3 Credit Bureaus for Business

There are three credit reporting agencies for business in the US:

  • Dun & Bradstreet
  • Experian
  • Equifax Commercial

These are the biggest and best-known bureaus reporting on your EIN credit. But they are not the only business credit bureaus.

The 3 Credit Bureaus and Their Data

The major credit bureaus get data from many different places. These may include:

  • Utility companies
  • Landlords
  • Companies that help set up new businesses
  • Insurance and benefit providers,
  • The internet, etc.

Dun & Bradstreet

They are the oldest and largest of the 3 credit bureaus. You need a D-U-N-S number to start building business credit. No D-U-N-S number? Then get one; they’re free. This number gets a business into their system. Check with D&B to see if they have a record set up for you now.

Get Set Up with D&B

If your search with D&B doesn’t show you have a D-U-N-S number, you’ll need one. This is a nine-digit number issued by Dun & Bradstreet. It’s assigned to each business location in the D&B database. Each business has a unique, separate, and distinct operation for the purpose. Every business must first have a D-U-N-S number before D&B will assign a PAYDEX business credit score.

Get a D-U-N-S number on the D&B site. During the D-U-N-S set up process you’ll be asked for a lot of information. If you select that you’re a government contractor, you’ll get a D-U-N-S in about 1-2 weeks. But if you don’t pay D&B anything and aren’t a contractor, it can take up to 30 days to get a D-U-N-S.

Your Initial D&B Record

But what if you find a record? If you pull up a record for your business with D&B, then consider pulling your actual business credit report. To do so, you’ll need to enroll for credit monitoring. In doing so, you’ll see if you have any credit reporting. You’ll also see if you have scores. If you have negative items on your report, then dispute those through Duns Manager.

Build Business Credit with D&B

One way to start building your business credit is by using D&B’s Credit Builder program. With this option, you are only setting up credit with D&B, and not Experian and Equifax. This runs $149 monthly (as of July 2021).

Dun & Bradstreet Scores

The main score is PAYDEX. But a business will not get a PAYDEX score, unless it has at least 3 trade lines reporting, and a D-U-N-S number. A business must have BOTH to get a D&B score or report.

Get our business credit building checklist and build business credit the fast and easy way.

D&B Reports

In general when D&B does not have all the information that they need, they will say so in their reports. But missing information does not necessarily mean a company is a poor credit risk. Instead, the risk is unknown. They favor objective and statistically derived data, rather than subjective and intuitive judgments. D&B’s database contains millions of companies around the world.

PAYDEX Score

This is Dun & Bradstreet’s dollar-weighted numerical rating of how a company has paid the bills over the past year. D&B bases this score on trade experiences reported by various vendors. The Score ranges from 1 to 100; higher scores mean a better payment performance. PAYDEX scores reflect how well a company pays its bills.

PAYDEX Yearly Trend

Reports also contain a PAYDEX Yearly Trend graph. It includes detailed payment history.  with payment habits and a payment summary. This helps show whether a business pays its bigger bills first or last.

D&B Rating

This rating helps companies quickly assess a business’s size and composite credit appraisal. D&B bases this rating on information in a company’s interim or fiscal balance sheet plus an overall evaluation of the firm’s creditworthiness.

The scale goes from 5A to HH. Rating Classifications show company size based on worth or equity. D&B assigns such a rating only if a company has supplied a current financial statement.

The rating contains a Financial Strength Indicator. It is calculated using the Net Worth or Issued Capital of a company. Preference is to use Net Worth. D&B will show if a business is new or if they never got this information.

This section also adds a Composition Credit Appraisal. This number runs 1 through 4, and it reflects D&B’s overall rating of a business’s creditworthiness. Lower numbers are better. A D&B rating might look like 3A4.

Financial Stress Class

Numbers range from 1 to 5. 1 is businesses least likely to fail. 5 is firms most likely to fail. The Financial Stress Class measures likelihood of failure.

Credit Score Class

The Credit Score Class measures how often a company is delinquent in paying its bills. Numbers range from 1 to 5. 1 is businesses least likely to be late. 5 is firms most likely to be late making payments. More granular scores run from 101 to 670. 670 is the highest risk.

Monitoring Your Business Credit with Dun & Bradstreet

D&B offers Credit Evaluator Plus™. According to them, it’s “A credit report for simple credit decisions.” It can help you quickly determine a company’s risk of late payment. And it can help you identify how much credit to extend based on a company’s D&B PAYDEX® Score, D&B Maximum Credit Recommendation, and past payment behavior. As of the third quarter of 2021, it costs $61.99 to get a report for one company.

D&B also offers:

  • Business Information Report™ Snapshot ($139.99 per report)
  • Business Information Report™ On Demand ($189.99 per report)
  • Credit Reporter ($799 for 5 reports)

All three offer what Credit Evaluator Plus™ does, with some extras. All prices are current as of the third quarter of 2021.

Monitoring Your Own Business at Dun & Bradstreet

Dun & Bradstreet also sells CreditSignal®. You can view four Dun & Bradstreet business credit scores and ratings for 14 days. Get unlimited access to inquiry, legal event, and trade payment summary data.

Receive email notifications when a change occurs in your business credit report. Free alerts to changes to these D&B® scores and ratings, including your D&B PAYDEX score. CreditSignal is free.

Experian

Experian focuses on providing data and analytics to help businesses better assess risk. They use both consumer and business credit information to gauge risk. They have found that blended data and reports work a lot better for them.

For troubled businesses, blended scores dropped an average of 30% over the four quarters leading up to a bad event. But the owner’s consumer scores showed no statistically significant decline during the same period.

Per Experian: “By combining personal and commercial credit information in one report, Experian provides a complete picture of the creditworthiness of small businesses.”

Get Set Up with Experian

Many credit issuers use Experian to see if you should get approval for a credit card, and how much you should get. Get started with Experian by using their BizVerify system. See if Experian has information about your company already. Verify the information they have.

If your initial search shows your business information, pull your Experian credit report. Do so even if you have no trade lines. This is because Experian will give you a low, failing credit score. And this is if they have even basic information about your business.

Experian says:

  • “Experian® requires minimum information to generate a score. If a business doesn’t meet these requirements, a score is not generated. Minimum information is at least one tradeline and/or one demographic element.
  • [these are] Demographics such as years on file, Standard Industrial Classification codes and business size.”

Working with Experian

It only takes one account reporting to change credit status from high risk to low risk. Even one reported trade line can change a score from 27-29 to 85-100. That is, once that account is on an Experian report. Get approval for an account from a vendor which reports. Buy something and pay the bill. It takes about 30-90 days after that for that account to report.

Per Experian, each business credit score report includes:

  • Business credit scores and credit summary
  • Summaries of collections and payments
  • Uniform Commercial Code filing information
  • Bankruptcy filings
  • Judgment filings
  • Tax lien filings

Experian Business Credit Score

Business Credit Scores range from 1 to 100. Higher scores show lower risk. This score predicts the likelihood of serious credit delinquencies in the next 12 months. It uses tradeline and collections information, public filings as well as other variables to predict future risk.

Experian Financial Stability Risk Rating

Scores range from 1 to 5. Lower ratings show lower risk. A Financial Stability Risk Rating of 1 shows a 0.55% potential risk of severe financial distress in the next 12 months. Experian categorizes all businesses to fit within one of the five risk segments.

This rating predicts the likelihood of payment default and/or bankruptcy within the next 12 months. It uses tradeline and collections data, public filings, and other variables to predict future risk.

Credit Summary

This section contains several counts of various data points

  • Current Days Beyond Terms (DBT)
  • Current total account balance
  • Highest credit amount extended
  • Number of payment tradelines
  • The number of business inquiries
  • Number of UCC Filings
  • A percentage of businesses scoring worse than the company outlined in the report
  • Number of bankruptcies and liens

Payment Trend Summary

This section has two graphs. They show the company in question versus its industry on:

  • Monthly payment trends
  • Quarterly payment trends

These are the percentages of on-time payments by month and quarter, respectively.

Score Improvement Tips

Experian offers suggestions on how to improve your reports, such as:

  • Getting net-30 terms, if possible, from existing and future tradeline suppliers
  • Paying accounts on time or working with the tradeline supplier to work out a payment plan so a business is not reported delinquent
  • Lowering credit use
  • Making sure all the information in the report is correct

Get our business credit building checklist and build business credit the fast and easy way.

Monitoring Your Business Credit with Experian

Available options provide varying levels of detail. One such report is the Experian CreditScore SM Report. Get an Experian Business Credit Score (Intelliscore). You also get the Experian Financial Stability Risk Rating. Get information on derogatories like judgments, tax liens, and bankruptcies. Learn about any fictitious business name information in the file. As of the third quarter of 2021, this report costs $39.95.

Experian ProfilePlus SM Report

In addition to the Experian CreditScore Report, get:

  • Trade payment detail
  • Inquiry detail
  • UCC detail
  • Corporate financial information

As of the third quarter of 2021, this report costs $49.95.

Experian Business Credit Advantage SM Subscription Plan

You get (among other information):

  • Trade payment detail
  • Inquiry detail
  • UCC detail
  • Corporate financial information

As of the third quarter of 2021, this annual subscription costs $189.

Experian Business CreditScore Pro SM Subscription Plans

This is Experian’s most comprehensive plan. Along with everything above, you also get credit limit recommendations. Get reports on 30 businesses per month. As of the third quarter of 2021, this subscription costs $1,495 per year.

Experian BizVerify Report

This is Experian’s snapshot view of a business credit file. Use this report to verify that a new business is in their National Business Database. This brief summary report provides any available information on a business’s registration information. This is even for businesses that don’t yet have an Experian business credit score.

It isn’t much of a monitoring product; it’s more to make sure a business is in Experian’s records. As of the third quarter of 2021, this report costs less than $20.

Equifax

Most credit issuers and trade vendors report to D&B and Experian, not Equifax. So when you find trades that report to Equifax, apply, get approval, use your credit, and pay your bills on time. That way, you’ll build your reports and scores.

Many lenders pull your Equifax credit report for lending decisions. Your Equifax profile and score can also be a part of your FICO SBSS score. SBA lenders use this score for SBA loans. Build credit with Equifax when you can because it’s vital to getting the loans you need to grow your business.

Get Set Up with Equifax

If your search shows that Equifax has a record of your business, pull your Equifax reports and scores. See if you have trades reporting. Equifax can have an established report and score for you even if you have no trade lines reporting.

This is especially true if you have some type of public record out there, like a bankruptcy, lien, or lawsuit. In this case, access your Equifax company report and score even with 0 trades reporting.

Equifax Data

The company gets data from a data sharing agreement with the Small Business Exchange. They also use net 30 type industry trade credit information. They also get data from various suppliers of products and services to businesses on an invoice basis. Equifax combines financial data with industry trade credit data.

They add utility and telephone data and public record information. These are bankruptcies, judgments, and tax liens. Reports contain many calculated scores.

Get our business credit building checklist and build business credit the fast and easy way.

Equifax Reports

Equifax Business Credit Reports include:

  • Credit Summary – synopsis of credit accounts with banks, suppliers, and service providers
  • Public Records – Secretary of State business registration, judgments, liens, or bankruptcies
  • Risk Scores – Equifax Business Credit Risk Score™ and Equifax Business Failure Score™
  • Payment Index – a 12-month payment comparison to the industry norm
  • Additional Company Information – alternate business names, owner names, and guarantor names

It also includes business and credit grantor comments.

Credit Risk Score

This score runs from 101 to 992, and higher numbers are better. This section also shows key factors. These are positives and negatives about your business. Such as how old your oldest account is, and whether you have any charge-offs, and the size of your business.

Payment Index

A Payment Index score runs from 0 to 100, and higher numbers are better. It also shows Industry Median. Reports contain a table explaining the numbers:

  • 90+: Paid as Agreed
  • 80-89: 1-30 days overdue
  • 60-79: 31-60 days overdue
  • 40-59: 61-90 days overdue
  • 20-39: 91-120 days overdue
  • 1-19: 120+ days overdue

Monitoring and Disputing Issues with Your Equifax Report

Equifax will not change your scores without proof. They are starting to accept more and more online disputes. Include proofs of payment with it. These are documents like receipts and cancelled checks. Correct Equifax issues on their website. Be specific about the concerns with your report. As of the third quarter of 2021, you can order a single business credit report for $99.95. Or order a business credit report multi-pack (5 for the price of 4) for $399.95.

Monitor Business Credit at the 3 Credit Bureaus for Less

All these reports are expensive! But did you know that you can get business credit monitoring for all 3 credit bureaus, and all in one place – for less? Credit Suite offers monitoring through its Business Finance Suite (through Nav). See what credit issuers and lenders see. So you can improve your scores and get the business credit and funding you need.

Improving Your Reports

Whatever improves one report, is bound to improve your reports at the other two of the big 3 credit bureaus. Paying off accounts always pays dividends. So does avoiding bankruptcies, and correcting errors as you spot them.

The 3 Credit Bureaus: Takeaways

D&B is the largest of the 3 credit bureaus for business. Experian uses blended personal and business data. Lenders tend to use Equifax. Actions you take to improve one report tend to improve the other two. Let us help.

The post All You Need to Know About The 3 Credit Bureaus appeared first on Credit Suite.

What Makes the 3 Different Credit Bureaus Unique

There are Three Different Credit Bureaus – But What are the Real Differences Among Them?

What distinguishes the three different credit bureaus? And can you use that information to your advantage?

Business Credit Reporting Agencies

There are three different credit bureaus for business: Dun & Bradstreet, Experian, and Equifax. FICO SBSS and CreditSafe are also players.

In the business world Equifax and Experian are up there, but it’s Dun & Bradstreet which is the major player. In the consumer world the three main reporting agencies (TransUnion, Equifax, and Experian) have a similar number of consumer records. This has to do in large part with them splitting up the smaller reporting agencies between them over many decades.

But in the business world, D&B has more than 10 times the records of the next closest reporting agency. In the business credit world there really is one major player, with two other much smaller ones. See dnb.com/about-us/company.html. It makes sense to start with D&B when comparing the business CRAs, because you’ll have to start the business credit building process with them anyway.

Dun & Bradstreet

D&B is the oldest and largest credit reporting agency. Go to D&B’s website and look for your business, at dnb.com/duns-number. Can’t find it? Then get a free D-U-N-S number. You will always need a D-U-N-S number to start building business credit. Go here to get a D-U-N-S number: dnb.com/duns-number/get-a-duns.html.

D&B Scores

A D-U-N-S number is how D&B gets your company into their system. And a D-U-N-S number plus 3 payment experiences leads to a PAYDEX score. A payment experience is a record of a purchase from a business which reports to a credit reporting agency. In this case, D&B. Once you are in D&B’s system, search Equifax and Experian’s sites for your business. You can do so at creditsuite.com/reports.

D&B Reports

D&B offers database-generated reports. In general when D&B does not have all of the data they need, they will indicate as much in their reports. But missing data does not necessarily mean a company is a poor credit risk. Instead, the risk is unknown. To ensure as accurate a report as possible, give D&B your company’s current financial statements.

Dun & Bradstreet Scores

PAYDEX is probably the best-known D&B score. Some others are:

  • D&B Rating
  • Delinquency Predictor
  • Financial Stress Score
  • Supplier Evaluation Risk Rating

To look at a sample Business Information Report, go to products.dandb.com/download/2019_BIR-Snapshot-Report.pdf

PAYDEX Score

PAYDEX is Dun & Bradstreet’s dollar-weighted numerical rating of how a company has paid its bills over the past year. D&B bases this score on trade experiences which various vendors report. The score ranges from 1 to 100. Higher scores mean a better payment performance. PAYDEX scores reflect how well a company pays its bills.

What Influences Your PAYDEX Score?

Larger bills get more weight in the calculation. D&B gathers payment experiences from suppliers and vendors a firm does business with. Each experience reflects a different supplier and reflects how bills are met within relation to the terms granted. Up to 875 payment experiences are used to generate the PAYDEX Score. And up to 80 representative payment experiences are reported in your credit report.

PAYDEX Numbers

D&B has created risk categories to make it easier to translate a PAYDEX score into understandable risk groups:

  • PAYDEX 80-100: Low risk of late payment
  • PAYDEX 50-79: Moderate risk of late payment.
  • and PAYDEX 0-49: High risk of late payment

D&B takes a proactive approach to notify you when a change in your PAYDEX score is bringing you closer to a different risk category

Improving Your PAYDEX Score

Addressing any problems head-on is a useful strategy. Hence if your business is regularly late with payments, then you should address issues of organization and perhaps time management. Since the score is dollar-weighted, you quite literally get more bang for your buck by paying your bigger bills first. And because it reflects trends, you can help out your business by starting a practice of paying on time and sticking with it.

D&B Business Information Reports

For a snapshot of your business’s financial health, the best report to get is probably a Business Information Report. Currently, it costs $139.99. You can get a Business Information Report on your own business or on a company you’re considering doing business with.

Along with a PAYDEX score, a D&B Business Information Report contains:

  • Trade payments (summary and by industry)
  • Trade line specifics with dollar amounts and terms
  • Legal events
  • Company events (mainly concerning ownership and management)
  • A company family tree showing ownership specifics

Risk Assessment Summary

A Business Information Report also contains a Risk Assessment Summary. It shows:

  • Maximum credit recommendation
  • PAYDEX
  • Delinquency Predictor percentile
  • Financial Stress percentile
  • Supplier Evaluation risk

Correcting Your D&B Credit Scores and Reports

Get your report from D&B at www.dnb.com/about-us/our-data.html. Update the relevant information if there are mistakes or the information is incomplete. At D&B, you can do this at: dnb.com/duns-number/view-update-company-credit-file.html.

Keep your business protected with our professional business credit monitoring.

Experian Business Credit

Experian is a whole other ballgame. While business credit is credit which in a business’s name, and it depends on how well a company can pay its bills, Experian uses both consumer and business credit information to gauge risk.

“By combining personal and commercial credit information in one report, Experian provides a complete picture of the creditworthiness of small businesses”

You Will Need to Get Set Up with Experian

Get a BIN (Business Identification Number) from Experian. Experian’s BizSource assigns a BIN.

Experian’s Blended Score

This is summary information on a business and its owner. For troubled businesses, blended scores dropped an average of 30% over the four quarters leading up to a “bad” event. 53% of the time, the first signs of credit problems were on the business credit reports. And 46% of the time, the first signs of credit problems were on the owner’s personal report. Blended scores have been found to outperform consumer or business alone by 10 – 20%.

Experian CreditScore SM Report

With this report, you get an Experian Business Credit Score (Intelliscore). It includes the Experian Financial Stability Risk Rating. It also has information on derogatories like judgments, tax liens, and bankruptcies. You can learn about any fictitious business name information in the file. As of the fourth quarter of 2020, this report costs $39.95.

Experian BizVerify Report

This is a more basic report but it has less in it. As of the fourth quarter of 2020, this report costs less than $20. It is Experian’s snapshot view of a business credit file. Use this report to verify if a new business is in their National Business Database.

This brief summary report provides any available information on a business’s registration information. This is even for businesses that have not yet established an Experian business credit score. This isn’t much of a monitoring product; it’s more to make sure a business is in Experian’s records.

Improving Your Company’s Experian Report

Make sure vendors are reporting your payments, and not just with Experian. Pay bills early or on time, in full. For Experian, historical behavior (payment history) = 5-10% of total score. Try to maintain your personal credit utilization at about 20 – 30% of your limits or less. Don’t close positive accounts even if you no longer use them. And try to avoid derogatories like liens.

Keep your business protected with our professional business credit monitoring.

Equifax

This company gets its data from:

  • A data sharing agreement with the Small Business Exchange
  • Net 30 type industry trade credit information from a wide variety of suppliers
  • These suppliers provide products and services to businesses on an invoice basis

Equifax scores answer one basic question. How likely is a business to go severely delinquent in its payments? The score is an indication of whether a company is likely to make late payments.

Scores

Equifax has a few main scores:

  • Small Business Credit Risk Score for Financial Services
  • Small Business Credit Risk Score for Suppliers
  • The Small Business Failure Risk Score
  • Payment Trend
  • Payment Index

Check out a sample Equifax business credit report at https://assets.equifax.com/assets/usis/small_business_sample_credit_report.pdf.

Equifax Business Risk Monitor for Small Business

You can get risk score alerts. You can learn about potential risk based on a significant negative change to any of four predictive risk scores. They are the Business Credit Risk Score, Payment Index, Business Failure Score, and Business Delinquency Score.

Currently, this online product is not available as Equifax upgrades its Member Center. See equifax.com/business/business-risk-monitor.

FICO SBSS (in brief)

A FICO SBSS score is different from other business credit agency scores. With other credit reports from business credit reporting agencies, you can get a copy of your credit report and know where you stand. But this is not so with the FICO SBSS.  Also, it can differ from lender to lender. The SBA requires a FICO SBSS score of at least 150 to lend to a business.

CreditSafe (in brief)

Credit reporting agency CreditSafe has the biggest wholly owned database in the industry. They gather data from local, trusted partners and combine it with a scoring algorithm. CreditSafe administers a global network of leading commercial credit reference agencies. They have live data streams for over 70 countries but are less well known than the others. See: creditsafe.com/us/en/more/about/our-data.html.

Keep your business protected with our professional business credit monitoring.

How Long Data Stays on Your Reports at the Different Credit Bureaus

Per Experian Business, bankruptcies stay for 7 to 10 years. Chapter 13 bankruptcy rolls off your credit report 7 years from the filing date, while Chapter 7 bankruptcy stays for 10 years from the filing date. Trade data stays on for 36 months. Judgments, collections, and also tax liens stay on for 6 years and 9 months. UCC filings stay on for 5 years. See experian.com/small-business/how-long-credit-report. There are similar time frames for the different credit bureaus.

Disputing Issues with Your Credit Scores and Reports at the Different Credit Bureaus

None of the different business bureaus will change your scores without proof. They are also starting to accept more and more online disputes. Also include proofs of payment with it. These are documents like receipts and cancelled checks.

Fixing credit report errors also means you specifically spell out any charges you challenge. Make your dispute as crystal clear as possible. If you need to snail mail anything in, then use certified mail so that you will have proof that you sent in your dispute.

Correct Experian issues at: experian.com/small-business/business-credit-information. Also, you can correct Equifax issues at: equifax.com/small-business-faqs/#Dispute-FAQs.

With all the different credit bureaus, be specific about the concerns with your report. D&B wants you to go through their Customer Service. You can also go through D&B Customer Service to add payment experiences. D&B’s Customer Service contact number can be found at dandb.com/glossary/paydex.

Monitoring D&B Credit Scores and Reports

Business credit reports are not always perfectly correct. All of the major CRAs are committed to accuracy. But you won’t know there are errors unless you monitor your business credit reports.

For D&B only, you can monitor your reports via CreditMonitor. It currently costs $39/month. See dnb.com/products/small-business/credit-monitor.html.

Monitoring Experian Credit Scores and Reports

The costs of monitoring can add up fast. At Experian, your best (least expensive) bet would be a Business Credit Advantage. Subscription Plan. Also, it currently costs $189 per year. See sbcr.experian.com/pdp.aspx?pg=Sample&link.

Monitoring Equifax Credit Scores and Reports

At Equifax, you would use Equifax Complete. It currently costs $19.95 per month, after an offer of 30 days for $4.95. See equifax.com/equifax-complete/Equifax.

Monitoring Your Business Credit Scores and Reports

Add these all together for a year and it’s $468 for D&B, $189 for Experian, and $224.40 for Equifax (with the special). For a grand total of $881.40!

Monitoring Your D&B, Experian, and Equifax Credit Scores and Reports

You can monitor your business credit at D&B, Equifax, and Experian through Credit Suite, for considerable savings over what it would cost you at those different credit bureaus. Also, it’s all in one place! Credit Suite offers monitoring through the Business Finance Suite (through Nav). See what credit issuers and lenders see so you can directly improve your scores and get the business credit and funding you need. See suitelogin.com and creditsuite.com/monitoring.

The Three Different Credit Bureaus: Takeaways

The different credit bureaus are similar but not identical. D&B is the largest and a D-U-N-S number is an absolute necessity for business credit building. Experian gets some of its scoring from your personal credit habits. Equifax gets much of its data from the Small Business Financial Exchange. CreditSafe and the FICO SBSS are also players in this space.

Monitoring all this is expensive. But you can save 90% by monitoring your D&B, Experian, and Equifax scores through Credit Suite.

The post What Makes the 3 Different Credit Bureaus Unique appeared first on Credit Suite.