13 Amazing Free Chrome Extensions For SEO

Every SEO tool is different.

Some have better keyword data, others have better link data,
others give better technical suggestions… in other words, there is no
perfect tool.

And I really mean that, even though I created Ubersuggest for you.

Plus paying for a handful of SEO tools can be expensive and
isn’t realistic.

But don’t worry, because today, I’m about to make your life a bit easier. Here are 13 free chrome extensions that will help you with your SEO.

What’s beautiful is that when you combine them all, you’ll have everything you need.

So here goes.

Extension #1: Keyword Surfer

It doesn’t matter if you use Ubersuggest, Ahrefs, or SEMrush…
there is one thing that all of those tools have in common.

You as a user have to keep going back to them to get the
keyword data you need.

Wouldn’t it be easier if you can get keyword insights and some backlink insights right in your Google browser?

With Keyword Surfer, you can get insights through Google’s interface. So, when you do a search for anything, you see the global search volume as well as the volume within your region.

On top of that, you’ll see a list of suggestions and search volume in the sidebar.

And if you scroll down a bit more you’ll see how many backlinks
each result has, which gives you a rough idea of how many links you need to
rank in the top 10.

Extension #2: Moz

Domain authority is a metric made up by Moz. Generally speaking, the higher your domain authority, the higher your rankings are.

Moz created a Chrome extension called Mozbar
that tells you the domain authority and page authority for any page on the web.

This extension is handy when you are browsing the web and
researching any potential competitors as it will quickly show you how you stack
up to them and as you are going through their site you can easily spot their
most authoritative pages that you need to analyze.

Extension #3: Similar Web

On the web, popularity is everything. We all want more
traffic.

Although more traffic doesn’t always mean more revenue, in
most cases it does.

Out of all the tools out there, I’ve found that Similar Web
gives the most accurate traffic estimations compared to anyone else.

Now with the Similar Web extension, you can get traffic data without going back to their site.

The first thing you can see with this extension is traffic
data for the last 6 months. It even breaks down the bounce rate, average pages
per visit, and visit duration.

And as you scroll down you’ll be able to see what countries the
visitors are coming from.

Last, but not least, it shows you the traffic makeup for each site as well. Is the traffic coming from search engines, social media, referral sources, or even direct traffic to the site?

Extension #4: Redirect Path

Redirect Path isn’t as well-known of an extension, but when you are doing technical SEO it is a must.

As time goes on, your URLs are going to change. Whether that is from a new structure or if you are deleting old content and consolidating your pages, this extension will tell you when something goes wrong.

Through Redirect Path, you can quickly see if a redirect is broken or working correctly.

Extension #5: Buzzsumo

Whether you love or hate Facebook, it’s still a popular site
that can drive a lot of traffic.

As you are surfing the web, you’ll naturally end up reading some articles. Some of them will be on your competitor’s site and you may be wondering if the article did well or not.

Using the Buzzsumo extension, you can see how many social shares a given article has as well as their backlinks.

You can even see all the most popular articles from that website based on social sharing and backlink count.

This will give you a good idea about the type of content you need to start producing.

Extension #6: Meta SEO Inspector

Errors can really kill your traffic.

The smallest things like your meta tags can have a big impact on your rankings, so you’ll want to make sure they are fully optimized.

Using Meta SEO Inspector, you can quickly see if your meta tags are set up correctly.

As you can see from the screenshot above, it reports errors.

With that example, I quickly learned that one of my pages doesn’t have an open graph meta tag. That means that when people share that page on the social web, it may not show up correctly, meaning I won’t get as much social media traffic.

Extension #7: Check My Links

Similar to the Redirect Path extension as you are spending more time doing technical SEO and analyzing your competition, the more link data you have the better.

And external links aren’t the only ones that can help boost
your rankings.

Knowing data on internal links is important as well.

Check
My Links
will give you all of the internal links numbers you need when
browsing any page on your site (or your competition’s).

And not only will you see an overview, but you can also get
details on the whole page as this extension highlights each link.

Extension #8: Pagespeed Insights

Load time doesn’t just impact conversions, it also impacts your rankings.

With nearly 60% of the searches being done from mobile devices, your load time is now more important than ever.

Through the Pagespeed Insights extension, you can quickly see what you need to do to improve your load time on any page on your site.

And if you see a score you don’t like, just click “need more” and it will take you to a detailed report that will give you feedback like this:

When you find a lot of errors, you’ll want to fix them as
over time it will boost your rankings.

Extension #9: SEO Minion

SEO is all about the long game.

If you just spend 10 minutes a day making improvements, it can have a huge impact on your traffic a year down the road.

An easy way to get work done each day is through SEO
Minion
.

One task that I have my team constantly look at through SEO Minion is broken links.

You’ll want to fix any on your website. In addition, you can use it to find broken links on other websites and then hit them up to replace the broken link to one from your site.

Another way to grow your SEO traffic is by translating your content into other languages.

This extension also breaks down hreflang data, which is needed when you are targeting other regions and languages.

You’ll be given data on your on-page SEO.

Extension #10: SEOquake

SEOquake is the easiest way to get a detailed overview of your site.

The extension provides a detailed overview of things like your Alexa rank, indexing information for Google and Bing as well as your SEMrush rank.

From there, you can dive into specific reports such as a density or diagnosis report.

The density report breaks down the keyword density on any
given page.

You don’t need to obsess about keyword density, but in general, if you don’t mention a keyword that you want to rank for then chances are you won’t rank for it.

The diagnosis report breaks down on-page SEO elements on any given page.

And the most used feature of SEOquake is when you perform a
Google search. You’re given information on every site that ranks.

Extension #11: Ninja Outreach

No matter how much on-page SEO you do, you won’t rank well if you don’t build any links.

I know you hate this part of SEO, but manual outreach is one of the best ways to build links even though it is tedious.

One way to make it easier is through Ninja
Outreach
. This extension shows you all of the email addresses associated
with a given domain.

Once you find a relevant site that you want to approach for
a backlink opportunity, you can get their contact information through a click
of a button and start crafting your custom email.

Extension #12: Keywords Everywhere

This is probably the most popular extension out there for
SEOs.

Keywords Everywhere is great for anyone who is doing keyword research.

Just go to Google and type in any keyword that you are interested in going after. Keywords Everywhere will show you a laundry list of other related terms that you can go after as well.

You can quickly export the list and then compile a master
list of keywords that are worth targeting.

What’s convenient about Keywords Everywhere is the data is
provided right within Google versus having to go to a specific tool.

Extension #13: Fatrank

Although it is a bad habit, as SEOs, we all obsess about rankings.

If you want an easy and free way to track your rankings, just set up a project on Ubersuggest.

Another easy solution to see how you are ranking is by using
Fatrank.

All you have to do is head to your site, click on the Fatrank extension, and type in a keyword to see if you rank for it.

If you rank in the top 100, it will tell you the exact
position.

If you don’t, it will let you know that you don’t rank in
the top 100.

I use this as a spot check to make sure I am doing decently
well after a major Google
algorithm
update.

Conclusion

There are a lot of options when it comes to SEO. You just
have to find the ones that work well for you.

An easy place to start is with the extensions I mentioned
above.

You don’t have to use all of them as it may be a bit
overkill… but you can use any one of them or a combination to make sure your
site is optimized.

What do you have to lose? Test them out as they are free.

What other Chrome extensions do you use on a regular basis?

The post 13 Amazing Free Chrome Extensions For SEO appeared first on Neil Patel.

20 free background images to build your LinkedIn profile

Here are 20 free and inspirational background images to build your LinkedIn profile. A personal brand starts with using the right visual content. When it comes to building your personal brand, visual content is the …

The post 20 free background images to build your LinkedIn profile appeared first on Paper.li blog.

How to Get Your Business Google Knowledge Graph for Free?

As a business, you know you need to be on Google Knowledge Graph, at least that’s what we often hear. However, do you really need to get a knowledge graph on Google and if yes, how do you get it? Here’s everything you need to know about Google Knowledge Graph for businesses. What is Google …

Tips On Free Stock Market Tickers

Tips On Free Stock Market Tickers

Several individuals trading on the supply market select to maintain track of their financial investments by making use of cost-free supply market tickers. Practically every one of the broker agent homes via which you offer and also get supply will certainly supply you totally free supply market tickers for tracking the supply market.

Supply market tickers are composed of a consistent checklist of the acquiring as well as marketing done on the supply market. The term is obtained from the days back when supply market purchases where tracked through the telegraph and also outcomes were videotaped on a ticker tape.

Amongst the several complimentary supply market tickers is one from NASDAQ. As a capitalist surfs the internet, his or her supply details is noticeable at a glimpse.

Financial investment journals, internet search engine, papers, company professionals, and also even more deal stock exchange tickers. Practically any type of service issue with a outer or straight passion on the market, uses complimentary stock exchange tickers.

You can obtain totally free supply market tickers at trendy tick, share ware link, supply market ticker downloads, business.com, naconsulting.com, brothersoft.com, totally free supply market tickers, aol.com, leading share ware, obtain complimentary supply market tickers, custom-made market watch, share ware link, complimentary downloads facility, data guys, wise supplies, wareseeker, supply graphes, ez supply exchange, quote web links, etrade.com, supply market investors conversation, pcquote.com, softplaz.com, tension complimentary trading, and also numerous various other areas.

One of the ideal cost-free supply market tickers is readily available with Market Browser. It’s one of the finest tickers due to the fact that it supplies various other logical devices. Amongst complimentary supply market tickers, this application ideal fits the extra sophisticated capitalist, believing in terms past simply present market costs.

I’ve discussed that many of the search engines use cost-free supply market tickers. To obtain the Yahoo complimentary supply market tickers and also various other applications, go into a search under Yahoo money badges, and also allow the web link take you there.

When making use of cost-free supply market tickers is info overload, one point to be careful of. It is feasible to end up being compulsive as well as to start over-trading as an outcome of details overload.

Numerous individuals trading on the supply market pick to maintain track of their financial investments by utilizing complimentary supply market tickers. Nearly every one of the brokerage firm residences with which you market and also purchase supply will certainly use you cost-free supply market tickers for tracking the supply market. Supply market tickers are composed of a consistent listing of the acquiring as well as marketing done on the supply market. One of the finest complimentary supply market tickers is readily available with Market Browser. Amongst totally free supply market tickers, this application finest fits the a lot more sophisticated capitalist, assuming in terms past simply existing market costs.

The post Tips On Free Stock Market Tickers appeared first on ROI Credit Builders.

Tips On Free Stock Market Tickers

Tips On Free Stock Market Tickers

Several individuals trading on the supply market select to maintain track of their financial investments by making use of cost-free supply market tickers. Practically every one of the broker agent homes via which you offer and also get supply will certainly supply you totally free supply market tickers for tracking the supply market.

Supply market tickers are composed of a consistent checklist of the acquiring as well as marketing done on the supply market. The term is obtained from the days back when supply market purchases where tracked through the telegraph and also outcomes were videotaped on a ticker tape.

Amongst the several complimentary supply market tickers is one from NASDAQ. As a capitalist surfs the internet, his or her supply details is noticeable at a glimpse.

Financial investment journals, internet search engine, papers, company professionals, and also even more deal stock exchange tickers. Practically any type of service issue with a outer or straight passion on the market, uses complimentary stock exchange tickers.

You can obtain totally free supply market tickers at trendy tick, share ware link, supply market ticker downloads, business.com, naconsulting.com, brothersoft.com, totally free supply market tickers, aol.com, leading share ware, obtain complimentary supply market tickers, custom-made market watch, share ware link, complimentary downloads facility, data guys, wise supplies, wareseeker, supply graphes, ez supply exchange, quote web links, etrade.com, supply market investors conversation, pcquote.com, softplaz.com, tension complimentary trading, and also numerous various other areas.

One of the ideal cost-free supply market tickers is readily available with Market Browser. It’s one of the finest tickers due to the fact that it supplies various other logical devices. Amongst complimentary supply market tickers, this application ideal fits the extra sophisticated capitalist, believing in terms past simply present market costs.

I’ve discussed that many of the search engines use cost-free supply market tickers. To obtain the Yahoo complimentary supply market tickers and also various other applications, go into a search under Yahoo money badges, and also allow the web link take you there.

When making use of cost-free supply market tickers is info overload, one point to be careful of. It is feasible to end up being compulsive as well as to start over-trading as an outcome of details overload.

Numerous individuals trading on the supply market pick to maintain track of their financial investments by utilizing complimentary supply market tickers. Nearly every one of the brokerage firm residences with which you market and also purchase supply will certainly use you cost-free supply market tickers for tracking the supply market. Supply market tickers are composed of a consistent listing of the acquiring as well as marketing done on the supply market. One of the finest complimentary supply market tickers is readily available with Market Browser. Amongst totally free supply market tickers, this application finest fits the a lot more sophisticated capitalist, assuming in terms past simply existing market costs.

The post Tips On Free Stock Market Tickers appeared first on ROI Credit Builders.

Affluent Affiliate University totally free

Affluent Affiliate University absolutely free

It’ s almost as though the proprietors of Wealthy Affiliate have no hint just how much their subscription website deserves.

They proceed including a growing number of devices, training, as well as sources, yet they sanctuary’ t raised their cost in years.

Well-off Affiliate University not just gives leading – notch associate training, it additionally supplies actually countless bucks well worth of advertising and marketing devices – significant devices, as well. Not the economical scrap you see anywhere else.

Affluent Affiliate is an Internet Marketing University where you will certainly find out by communicating with online devices, overviews, training courses as well as with real individuals. There are couple of programs offered that have what WealthyAffiliate. com has.

The website is run by 2 very effective web Marketers, Kyle & Carson. They are frequently training as well as mentoring the participants of Wealthy Affiliate in the direction of success – making money online.

That Can Benefit From Wealthy Affiliate

Whether you are a Novice with little to no experience with Internet Marketing, or are a sophisticated marketing expert with years of experience, Wealthy Affiliate has sources for all degrees.

They likewise have an extremely energetic online forum worth countless bucks to any person eager to review the ideas and also strategies that have actually been uploaded.

That Does NOT belong at Wealthy Affiliate

If you’ re the sort of other that assumes that there’ s some secret system around where you can simply press a switch as well as tons of money will certainly begin befalling of the skies, wear’ t also think about signing up with Wealthy Affiliate.

If you think that, you shouldn’ t be at this website at all. Go sign up with some” Easy Guaranteed Money – manufacturer” that will ultimately obtain closed down by the Federal Trade Commission (did you understand that the FTC in some cases pursues individuals that advertise such programs, also if they put on’ t have them? )

How much time does it require to find out the approaches that Wealthy Affiliate shows?

My finest idea is that it takes around 40 days for many individuals to obtain comfy with their approaches. You will certainly have accessibility to a whole lot of assistance along the means from the proprietors as well as various other participants of the website.

Just How Much Does Wealthy Affiliate Cost?

Of all, I recognize some of you have actually paid as a lot as $3, 000 or even more for Internet Marketing training programs just to understand that you were absolutely torn off. I spoke to a few of you regarding what your trains were informing you as well as I was stunned at just how little they truly understood … and also I’ m speaking about extremely fundamental things.

In instance you wear’ t understand what that implies, it implies that they are exceptionally effective online. Google just gives specialized account supervisors to the actual professionals that recognize exactly how to make cash online making use of Google.

At the time of this writing, Wealthy Affiliate is valued at $29. Ultimately, you will certainly invest much more on marketing, however the funds for that will certainly come from a percent of any kind of earnings you make.

To obtain the 1st month of Wealthy Affiliate for totally free, you should authorize up via my web link at the source box area as well as remain a participant for at the very least 3 months. The Wealthy Affiliate University is one of the most underestimated programs currently. Don’ t Miss out on this 100 % refund while it Lasts!

Affluent Affiliate is an Internet Marketing University where you will certainly discover by engaging with online devices, overviews, programs and also with real individuals. In situation you put on’ t recognize what that suggests, it indicates that they are unbelievably effective online. At the time of this writing, Wealthy Affiliate is valued at $29. To obtain the 1st month of Wealthy Affiliate for cost-free, you should authorize up with my web link at the source box area and also remain a participant for at the very least 3 months. The Wealthy Affiliate University is one of the most underestimated programs currently.

The post Affluent Affiliate University totally free appeared first on ROI Credit Builders.

Affluent Affiliate University totally free

Affluent Affiliate University absolutely free

It’ s almost as though the proprietors of Wealthy Affiliate have no hint just how much their subscription website deserves.

They proceed including a growing number of devices, training, as well as sources, yet they sanctuary’ t raised their cost in years.

Well-off Affiliate University not just gives leading – notch associate training, it additionally supplies actually countless bucks well worth of advertising and marketing devices – significant devices, as well. Not the economical scrap you see anywhere else.

Affluent Affiliate is an Internet Marketing University where you will certainly find out by communicating with online devices, overviews, training courses as well as with real individuals. There are couple of programs offered that have what WealthyAffiliate. com has.

The website is run by 2 very effective web Marketers, Kyle & Carson. They are frequently training as well as mentoring the participants of Wealthy Affiliate in the direction of success – making money online.

That Can Benefit From Wealthy Affiliate

Whether you are a Novice with little to no experience with Internet Marketing, or are a sophisticated marketing expert with years of experience, Wealthy Affiliate has sources for all degrees.

They likewise have an extremely energetic online forum worth countless bucks to any person eager to review the ideas and also strategies that have actually been uploaded.

That Does NOT belong at Wealthy Affiliate

If you’ re the sort of other that assumes that there’ s some secret system around where you can simply press a switch as well as tons of money will certainly begin befalling of the skies, wear’ t also think about signing up with Wealthy Affiliate.

If you think that, you shouldn’ t be at this website at all. Go sign up with some” Easy Guaranteed Money – manufacturer” that will ultimately obtain closed down by the Federal Trade Commission (did you understand that the FTC in some cases pursues individuals that advertise such programs, also if they put on’ t have them? )

How much time does it require to find out the approaches that Wealthy Affiliate shows?

My finest idea is that it takes around 40 days for many individuals to obtain comfy with their approaches. You will certainly have accessibility to a whole lot of assistance along the means from the proprietors as well as various other participants of the website.

Just How Much Does Wealthy Affiliate Cost?

Of all, I recognize some of you have actually paid as a lot as $3, 000 or even more for Internet Marketing training programs just to understand that you were absolutely torn off. I spoke to a few of you regarding what your trains were informing you as well as I was stunned at just how little they truly understood … and also I’ m speaking about extremely fundamental things.

In instance you wear’ t understand what that implies, it implies that they are exceptionally effective online. Google just gives specialized account supervisors to the actual professionals that recognize exactly how to make cash online making use of Google.

At the time of this writing, Wealthy Affiliate is valued at $29. Ultimately, you will certainly invest much more on marketing, however the funds for that will certainly come from a percent of any kind of earnings you make.

To obtain the 1st month of Wealthy Affiliate for totally free, you should authorize up via my web link at the source box area as well as remain a participant for at the very least 3 months. The Wealthy Affiliate University is one of the most underestimated programs currently. Don’ t Miss out on this 100 % refund while it Lasts!

Affluent Affiliate is an Internet Marketing University where you will certainly discover by engaging with online devices, overviews, programs and also with real individuals. In situation you put on’ t recognize what that suggests, it indicates that they are unbelievably effective online. At the time of this writing, Wealthy Affiliate is valued at $29. To obtain the 1st month of Wealthy Affiliate for cost-free, you should authorize up with my web link at the source box area and also remain a participant for at the very least 3 months. The Wealthy Affiliate University is one of the most underestimated programs currently.

The post Affluent Affiliate University totally free appeared first on ROI Credit Builders.

The Ultimate List of Free SEO Tools

Who says you have to spend money to get more traffic?

For today’s blog post, I thought it would be fun to break down all of the free SEO tools. Sure you may know of some, like Ubersuggest, but there are many more options than just my own tool.

Now before I dive into the tools, I’ve broken them down into
the following categories:

  • Keyword Research
  • Content Marketing
  • Rank Tracking
  • Link Building
  • Technical SEO

So, are you ready to dive in? Let’s get started!

Keyword Research

All of the tools in this category will help you find more
keywords. Many of them have different ways of coming up with keyword
suggestions, so you may want to check them all out.

Ubersuggest

Ubersuggest
has many different keyword research options. First of all, it shows you how
many searches a keyword has had over the last 12 months so you can see if there
is any seasonality.

In addition to that, it pulls keywords from a few different sources such as Google Suggest and its own database, it shows you all of the keywords your competition ranks for, and it provides keyword suggestions based on questions, comparisons, and prepositions.

My favorite feature of Ubersuggest’s keyword research capabilities is that it not only can you see how competitive a term is, but it also tells you how many links the average ranking website contains.

That way you know how many links you need to build to rank
well.

What’s also unique about Ubersuggest is that it provides
local keyword suggestions. This is great if you are trying to do local SEO.

Answer The Public

Answer The Public
leverages Google Suggest to find all of the questions people may have related
to any industry or keyword.

Just type in a keyword and it will give you a laundry list
of questions people are searching for related to that keyword.

Similar to Ubersuggest it also shows you comparison and
preposition related keywords.

What I like about the tool is compared to any competing tool, it represents the data in nice visuals.

KeywordTool.io

SEO doesn’t just exist on Google. You can also rank higher on Amazon, YouTube, Bing, and tons of other sites.

KeywordTool.io uses
the same concept of Google Suggest, but for a handful of sites like Amazon,
Play Store, and YouTube.

If you are performing SEO on sites other than Google, you
should check out KeywordTool.io.

FAQfox

FAQfox is a neat little tool that finds you questions people want to be answered based on any specific site you want information from.

For example, you can type in the word “cat” and quora.com as the URL and it will show you category based questions people are asking on Quora.

You can do this for Reddit or any other site you want
keyword ideas from.

Google Keyword Planner

Of course, the search giant, Google, has its own keyword
research tool.

Google
Keyword Planner
gives you suggestions as well as CPC data and click
estimates.

You’ll also notice that a lot of other keyword tools have CPC data, but chances are they are pulling it from Google Keyword Planner.

When you are using Keyword Planner, look for terms with a high CPC as they tend to convert well when you rank for them organically.

Google Trends

Out of all the tools on the list, I probably use Google Trends 3 to 4 times a week. That’s
how much I love it.

What I love about Trends is that it shows you what is hot right now. In addition to that, it tells you if an industry is getting less search volume or more over time.

You can also filter your data based on a specific country or
you can look at the data from a global perspective.

Soovle

Soovle takes the concept of Google Suggest (autocomplete) but for a lot of the popular sites around the web.

Soovle pulls all of the popular keywords on Google, YouTube, Amazon, Wikipedia, Bing, Yahoo, and Answers.com.

AdWords and SEO Permutation Generator

The AdWords and SEO
Permutation Generator
is a super simple tool that helps you get creative
with your keyword research.

You enter in a handful of terms you want to target and it will combine them to make different variations for you.

Not all of the keywords will be popular when it comes to search volume, but it will give you a sense of how you can go after long-tail variations within your site.

Keyworddit

Reddit has a ton of categories (subreddits) and Keyworddit helps you find all of the keywords within that subreddit.

What’s neat is it even breaks down the volume for each of
those keywords. That way you can quickly see if any are worth going after.

Generally speaking, you’ll want to use tools like this as it
will give you a new perspective on keyword research.

Pulling results from Google is something that all SEOs already do. Because of that, you need to use other sources if you want to get a leg up on your competition.

Bulk Keyword Generator

The Bulk
Keyword Generator
by Higher Visibility does keyword research a bit
differently than most of the keyword tools out there.

First, you pick a business category. Then you select the type of business you have and enter in any locations you are targeting.

You’ll then be given a list of keywords that you can
potentially target.

What I like about this tool is that it makes things super
simple, especially if you are new to SEO.

WordTracker Scout

WordTracker
Scout
is a browser extension that gives you a list of keyword ideas from
any web page.

Just browse any site or check out your competition, click a button and boom, you are given ideas on keywords that other people are using.

It breaks the keywords down by relevance and volume.

SearchVolume.io

When you are doing keyword research, how do you know a keyword is getting enough searches?

SearchVolume.io lets you bulk upload up to 800 keywords and it tells you how popular each keyword is.

The tool also works for a handful of other regions, such as Brazil, France, and Italy.

Google Location Changer

Serps has a neat tool that works well if you are doing
international SEO.

Their Google Location Changer
allows you to search Google in any country or city. Just type in a keyword and
you’ll see who ranks.

Using this tool in combination with WordTracker Scout can
give you unique keyword suggestions.

Content Marketing

Content is the one thing we all have to create if we want more search traffic.

Here are free content marketing tools that can help you get
the most out of your search traffic.

Animalz Revive

Have you noticed that your rankings decrease over time?

It’s not just because of Google algorithm updates. In most
cases, your old content won’t perform as well because it’s old.

Animalz Revive shows you which content pieces are dying over time.

That way you know what to focus on. Just look at the ones that have declined the most and then spruce them up so you can get more rankings.

What’s cool about this tool is it will save you a lot of
time. For example, my team updates 90 pieces of content a month. The last thing
you want to do is waste a ton of time on content that never had much traffic.

Google Search Console

Most people use Google Search Console to see which keywords are driving them traffic.

My favorite way of using Search Console is to see which one of my blog posts are getting a lot of search impressions but have less than a 4% click-through rate.

I then go in and modify each of those pages to include the right keywords in my meta tags. Then I look to see which keywords I am ranking for but not really targeting yet, and then either create new content around those terms or modify existing content to also target them.

Content Ideas

Ubersuggest
has a feature similar to Buzzsumo but it is 100% free. It’s called Content
Ideas.

All you have to do is enter in a keyword or phrase and it
will show you all of the popular blog posts that contain that term.

The blog posts are then sorted by social shares, backlinks,
and search traffic.

This helps you create content around topics people want to
read, which means more traffic.

Hreflang Tag Generator

One of my biggest traffic gains has come from translating my
content.

A lot of people ask me if they would be penalized from duplicating
and translation their content.

The answer is no.

All you need to do is use the Hreflang
Tag Generator
.

This tool creates tags for you to place in your HTML code so
Google knows you are targeting specific languages and countries with certain content
pages.

Portent Title Generator

For every 10 people that see your headline, only 2 on average will continue to read your content.

In other words, content marketing is all about the headline.

If you are struggling to create headlines, check out the Portent Title Generator.

Just insert a keyword or phrase and it will generate dozens
of suggestions for you.

Title Capitalization Tool

Not sure which words in your title should be capitalized?

This Title
Capitalization
tool will take care of that for you.

It may not sound important to you, but if your titles look off, people may not click through from SERP results to read your content, which can decrease your rankings over time.

Grammarly

Every SEO should be using Grammarly.

Which do you think Google prefers? Ranking a blog post that reads well or one that contains a lot of spelling and grammar errors?

Grammarly helps you avoid spelling mistakes. This is really important if you want to rank on Google.

Google SERP Tool

Have you noticed that some listings on Google get cut off because the title is too long?

A big misconception is Google uses character counts for meta tags. In reality, they count pixels.

Google
SERP Tool
will tell you how many pixels your meta tags contain and if they
will get cut off by Google.

It also shows you a preview of what your web pages will look
like on Google.

Rank Tracking

Google Analytics is a great tool to show you your overall
traffic, but it doesn’t tell you where you rank.

If you want to track your rankings, you’ll need to use some
tools.

Google Search Console

I know I mentioned this tool above, but Google Search Console is the most unique rank tracking tool out there.

Because this tool is from Google, they can tell you your
average ranking for any one of your pages per country.

And because the data comes from them, they average it out to give you accurate information.

You can also go back 16 months and see how your rankings
have changed over time.

Ubersuggest

Again, I know I also mentioned Ubersuggest above, but it now has a free rank tracking feature.

It provides the same features as those paid rank trackers. You can track your rankings daily for any keyword or groups of keywords for any country, city, or county.

It also saves your data for you so you can go back as far as
you want to see if your rankings have been increasing or decreasing.

Search Latte

If you want to track your rankings manually, you can do so with
Search Latte.

Just put in a keyword and select the language and country so you can see all of the sites that rank in the top 100.

You can then manually find your site and keep track to see
if you are improving or declining.

You may want to use Search Latte in combination with Excel as you can create a daily log of your rankings.

Link Building

You used to have to pay for tools if you wanted link data,
but that’s not the case anymore. Here are the free link tools you can use.

MozBar

This is probably my favorite link tool that I use.

Even though Google doesn’t use domain authority, in general, the higher the authority of a site that is linking to you, the better off you are.

MozBar
shows you the domain authority and page authority of every page on the web.

If you are going to build links, focus on the sites with the highest authority.

SEOgadget for Excel

If you are like me, you probably love using Excel when you
are building links.

SEOgadget
for Excel
makes it really easy to pull in data from Majestic and Moz.

If you haven’t tried this yet, you should consider it. It
will make it easier for you to find new insights and run your own calculations.

Backlinks

Backlinks is
a free tool that shows you all of your backlinks. There are no limits in row
count or anything like that… you can just see everyone who links to you.

You can see if any of your links are dofollow or nofollow as
well as the anchor text.

You can filter the results to find backlink opportunities when researching competitors and you have the option to look up link data on a domain, subdomain, or a specific URL.

It will also show when a link was first found and last
crawled and the authority of each link.

Bulk Metrics Checker

Tired of looking up the domain and page authority manually
on each of your pages or sites?

Bulk
Metrics Checker
solves that for you.

Just upload a list of URLs and within seconds you’ll have a
list of your page authority per URL. You can also do the same for domains and
upload dozens of domains at once.

Technical SEO

SEO has changed. You no longer can do just a few things and expect your site to rank well. You have to do everything if you expect to beat your competition.

And when I mean everything, that includes technical SEO.

SEO Analyzer

If you haven’t already, try running your URL through my SEO Analyzer.

It will tell you what’s wrong with each of your web pages.

From duplicate meta tags and redirect errors to sitemaps and much more… it pretty much looks at every major factor when it comes to SEO.

It will even tell you your overall site speed and what you need to fix in which order to get the maximum results.

And if you register for a free account, it automatically checks for errors each week on your behalf.

Google Analytics Referrer Spam Killer

When you are doing SEO, there is a good chance that your Google Analytics gets messed up by referral spam.

Google
Analytics Referrer Spam Killer
solves that problem by connecting with your
Google Analytics account and blocking off the most common referral spam.

Once you connect it, you’ll find that your data is much more
accurate so you can make better SEO decisions.

Pagespeed Insights

Speed is everything. The faster your site loads the better
you will rank, especially when it comes to Google’s mobile index.

Pagespeed Insights
tells you what you need to fix for your site to load fast on any device.

It doesn’t matter if you are optimizing for tablet devices, desktop, or mobile… it will tell you what to fix.

Pingdom

Fixing your code is one thing, but you’ll also want to make
sure your site loads fast overall.

Your overall load time is affected by things like your
server and CDN.

Pingdom tells you
your actual load time.

With Pingdom, you can pick which location to test your load speed from and it tells you what code on your site is causing the biggest slowdown.

Website Penalty Checker

With over 3,200 algorithm updates each year to Google, how do you know if you have been affected by an update?

Is it related to a core update, your content, or link
building?

Website Penalty
Checker
tells you that.

In a nice graph, it shows your traffic over time and tells you if a Google update has caused your traffic to go up or down.

Structured Data Markup Helper

A simple way to increase your search traffic is to use
schema markup.

But there is one big issue, schema markup is a bit complicated to implement. Because of that, Google created a Structured Data Markup Helper to guide you.

All you have to do is select what kind of markup you want to use, type in your URL, and go through the walkthrough wizard.

And at the end, you’ll be given code that you just paste within HTML.

Woorank

Looking for a simple SEO analysis? Woorank shows you a simple report of what’s
wrong with your web page.

All you have to do is type in your domain and within a minute you’ll see a thorough report of what you need to fix.

What I love about Woorank is that it is a great tool for beginners because of their easy-to-use interface.

SEOptimer

Just like Woorank, SEOptimer is a simple tool that gives you a technical overview of your on-page SEO as well as your content.

It breaks down things like page speed as well in addition to showing you how your website loads for both desktop and mobile devices.

You can even see social sharing data.

Varvy

Varvy provides a detailed
technical checklist of all things related to your SEO.

From your Robots.txt file and your sitemap to security settings and even your links, it covers all the bases.

If you don’t have a technical background, Varvy might be a bit complex unless you take the time to read each of their articles that outline what each tip/recommendation means.

301 Redirect Code Generator

When you are doing SEO long enough, eventually you find
yourself changing your older URLs.

But if you don’t add a 301 redirect, you’ll lose your rankings.

301
Redirect Code Generator
creates the code you’ll need to tell search engines
your URLs have changed.

Panguin Tool

This tool is similar to the Website Penalty Checker but it is more accurate because it connects directly with your Analytics account.

If you think you have been hit with a Google penalty, use
the Panguin Tool.

Now if you want to see if your competition has also been
hit, this tool won’t work, but the Website Penalty Checker will.

None-the-less, they are both great tools.

Google Search Console

I have to include this tool again. Why? Because if there is something wrong with your site, such as it getting hacked, it will notify you.

It even tells you the pages that were indexed and which ones aren’t.

One thing that you have to do within your Search Console is to submit an XML sitemap.

XML Sitemaps

XML Sitemaps generates a sitemap for you that you can submit to Google Search Console.

You’ll need to do this so you can get more of your content indexed.

Submitting a sitemap doesn’t guarantee that Google will index your content, but it does help… mainly for sites with low domain authority.

Conclusion

Tools don’t have to cost money. I got into SEO because it
was the free traffic source I could leverage to compete with the big companies.

If you want to grow your search rankings, you can leverage
one of the free SEO tools above.

Sure, there are amazing paid tools as well, but why not start with the free stuff?

What other free SEO tools do you use?

The post The Ultimate List of Free SEO Tools appeared first on Neil Patel.

5 Amazing Ways You Can Get a Free Credit Score for Business

Get a Free Credit Score for Business – We Show You 5 Easy Ways to Do It

You can get a free credit score for business. There are 5 that entrepreneurs should understand.

Keeping your credit scores high is essential, so be sure you don’t miss any of these. You need to be proactive to get and improve any free credit score for business.

1. Free Credit Score for Business: Dun & Bradstreet’s PAYDEX

A PAYDEX Score from Dun & Bradstreet ranges from 0 to 100. This score has a basis in payment data which is on report to the bureau. Or it is on report to data-gathering companies partnering with the CRA. https://creditreports.dnb.com/m/business-glossary/paydex-score.html

D & B uses this data, along with a credit score and Financial Stress Score, so as to advise how much credit a loan provider should extend to your business.

Obtaining a Free Credit Score for Business from D&B’s PAYDEX

To get a PAYDEX score, you need to apply for a D-U-N-S number by using Dun & Bradstreet’s website. The number is at no cost. Plus the CRA will require to have reports of your payments with four or more merchants.

Your firm’s PAYDEX score reveals if your payments are usually made promptly or ahead of schedule. As you may expect, a higher number is better.

PAYDEX Score Information

The scores break down as follows:

  • 80 – 100: A low risk of late payments
  • 50 – 79: A medium risk of late payments
  • 0 – 49: A high risk of late payments

D&B Business Credit Scores

Your company’s credit rating ranges from 1 to 5. 1 is the best score. This matches your business with other companies with comparable payment histories. The score shows just how often those firms tend to pay without delay.

This information can actually help loan providers to identify your company’s standing. Yet it does not really show every one of the payment records from your business.

Financial Stress Score

The Financial Stress Score also runs from 1 to 5. It matches your business with other companies sharing comparable financial and company characteristics.

These resemblances are in areas such as size or amount of time in business. This score shows just how regularly those businesses have a tendency to pay on time. As before, 1 is the very best score. This score is a more comprehensive examination of the business landscape, versus an analysis of your company’s real payment history.

An amazing PAYDEX score for your company is 80 – 100.

Find out why so many companies are using our proven methods to improve their business credit scores.

2. Free Credit Score for Business: Experian Credit Scores

Experian’s scoring system is called Intelliscore Plus. http://www.experian.com/business-information/credit-risk-management.html

What is the Intelliscore Plus Free Credit Score for Business?

The Intelliscore Plus credit score is a statistically based credit-risk assessment. The essential purpose of Intelliscore Plus is to aid companies, investors, and possible future loan providers make wise judgments regarding who they should or should not do business with.

Like an automobile dealer makes use of a customer’s FICO score to swiftly identify just how much of a credit risk a potential customer may be, the Intelliscore Plus credit score can offer insight on just how much of a credit risk a business or business owner might be.

Intelliscore Plus Credit Score Range

The Intelliscore scores vary from 1 to 100. So the higher your score, the lower your risk class. The chart below details each Intelliscore Plus credit score range as well as its associated meaning.

Score Range/Risk Class

  • 76 – 100 Low
  • 51 – 752 Low – Medium
  • 26 – 503 Medium
  • 11 – 254 High – Medium
  • 1 – 105 High

Computing an Intelliscore Plus Credit Score

In the credit world, Intelliscore Plus is regarded one of the most dependable tools in effectively forecasting risk. Among the ways Intelliscore Plus maintains this claim to fame is by acknowledging the significant variables that show if a business is likely to pay their debts.

Though there more than 800 business and owner variables constituting an Intelliscore Plus credit score, the variables can be broken down into these essential elements:

Payment History

The bureaus call this recency however in the real world, it’s nothing more than your current payment status. This includes the number of times your accounts become delinquent, the number of accounts that are currently delinquent, and your overall trade balance.

Frequency

Similar to payment history, frequency make up the quantity of times your accounts have been sent to collections, the quantity of liens as well as judgments you may have, and any bankruptcies connecting with your business or personal accounts.

Frequency can also include information connecting to your payment patterns. Were you regularly slow or tardy with payment? Did you begin paying expenses late, yet over time, stopped doing so? These variables will certainly all be taken into consideration.

Monetary

This particular facet focuses on exactly how you use credit. As an example, just how much of your offered credit is presently in use? Do you have a high proportion of delinquent equilibrium in comparison with your credit line?

If you’re about to begin a company or are rather new to this game, the checklist above may appear a bit overwhelming. If you haven’t begun or don’t have a lengthy history of company-based purchases, exactly how will Intelliscore Plus rate you?

Intelliscore Plus handles these situations by using a “blended model” to develop your score. This implies that they take your consumer credit score right into consideration when determining your company’s credit score.

Find out why so many companies are using our proven methods to improve their business credit scores.

3. Free Credit Score for Business: Equifax Business Credit Scores

The Equifax Credit Risk Score originates from a model which they use to place specific risks. Equifax uses these details in its calculations, consisting of the depth of the credit details Experian can obtain the length of your company’s credit history, as well as your firm’s payment delinquency history. http://www.equifax.com/business/equifax-risk-score

http://www.equifax.com/assets/USCIS/efx-00178_efx_risk_score.pdf

http://www.equifax.com/assets/USCIS/efx-00164-9-13_efx_bni.pdf

Equifax then sectors some five separate scorecards together, by using statistical analysis. In order to enhance their precision, Equifax suggests combining their Credit Risk Score with their exclusive Equifax Bankruptcy Navigator Index.

The Bankruptcy Navigator Index helps forecast the likelihood of your business declaring bankruptcy in the next 24 months. Equifax bases its predictive model on over 270 million different accounts.

Equifax shows three separate company determinations on its business credit reports. These are the Equifax Payment Index, your business’s Credit Risk Score, and its Business Failure Score.

Equifax Payment Index

Comparable to the PAYDEX rating, Equifax’s Payment Index, which has its measurement on a scale of 100, shows how many of your firm’s payments were made punctually. These include both data from credit providers and suppliers.

However it’s not indicated to forecast future habits. That is what the other two scores are for.

Equifax Credit Risk Score

Equifax’s Credit Risk Score analyzes just how likely it is your business will become severely overdue on payments. Scores vary from 101 to 992, and they examine:

  • Available credit limit on revolving credit accounts, e. g. credit cards
  • Your business’s size
  • Proof of any kind of non-financial transactions (e. g. vendor invoices) which are delinquent or were on charge off for two or more payment cycles
  • Length of time since the opening of the earliest financial account

 

Find out why so many companies are using our proven methods to improve their business credit scores.

Equifax Business Failure Score

Finally, Equifax’s Business Failure Score looks at the risk of your company closing. It ranges from 1,000 to 1,600, assessing these aspects:

  • Total balance to total current credit limit average utilization in the previous three months
  • How much time since the opening of the oldest financial account
  • Your business’s worst payment status on all trades in the previous 24 months
  • Documentation of any non-financial transactions (e. g. supplier invoices) which are past due or have gotten on fee off for two or more billing cycles.

Equifax Scoring Analysis

For the credit risk as well as business failure scores, a rating of 0 means bankruptcy.

An amazing Equifax score for your firm is as follows:

  • Payment Index 0 – 10
  • Credit Score 892 – 992
  • Business Failure Score 1400 – 1600

4. Free Credit Score for Business: FICO Business Credit Scores

FICO uses its SBSS (Small Business Scoring Service) Score to integrate consumer bureau, economic, application, and business bureau data. FICO then validates their SBSS models for transactions such as Line of Credit transactions, Term Loans, and Commercial Card obligations which go up to $1 million. Their idea is to examine how your company pays back all kinds of loans. http://www.fico.com/en/node/8140?file=6045

Business credit providers make use of the FICO SBSS score as a tool to determine whether they should authorize a loan to your business at all.

The SBA uses this score too, to authorize or approve company loans. It has a basis in your company and consumer credit history as well as not simply your business’s financial health.

The score factors in the evaluation of the risks inherent in your company’s credit applications. With SBSS, lenders make their determinations in a matter of hours, instead of days. Lenders are more confident in their lending judgments, and your company gets quicker decisions on your loan applications.

The SBA’s Participation

The FICO Small Business Score or SBSS score is the main figure that the SBA thinks about while figuring out to approve a loan, especially when it involves the SBA’s 7(a) loans.

Free Biz Credit Score Credit Suite

Computing a FICO SBSS Score

The FICO SBSS Score shows the likelihood or probability of you, the candidate, covering your month-to-month bills in a timely manner. The score runs from 0 to 300. A higher score means lower risks and commonly generates more favorable credit terms. The score originates from your company as well as personal history of credit use together with your company’s financial data. Variables also include your company’s age, and its years or complete time in business.

Since 2014, all SBA 7(a) loans must go through a business credit score pre-screen, as well as for SBA loans, you could perhaps not get an approval if you had a score less than 140. However the cutoff was typically set to 160, and frequently, a score below 160 meant a rejection. A lot of lending institutions will only accept scores over 160 or 180, to lend as much as $1 million. But a rating lower than 160 or 180 can still qualify you for a smaller loan.

The formula for the FICO SBSS Score is as follows:

  • The last year of PAYDEX scores from Dun & Bradstreet
  • Amounts and types of any judgements against your firm
  • The amounts and kinds of any liens against your company’s real or personal property.
  • Your firm’s available resources
  • Your company’s profit
  • Plus other, less distinct monetary information

If you have no document of company credit and had a modest or short time in your business, then the possible greatest FICO SBSS score you can possibly anticipate is 140.

Usage and Sorts of SBSS Model Lenders

A FICO SBSS rating includes the choice to opt for certain models which are market-specific for enhanced and better decision making. As an example, one model is an agricultural leasing and lending model. Another model was made especially for Canada. Additionally, the insights of the SBSS score provide support for the SBRI (Small Business Risk Insight, from Dun & Bradstreet) and the SBFE (Small Business Financial Exchange) information repositories.

Validating the SBSS models is necessary for credit lines, commercial cards, as well as term loans of as much as one million dollars. If you are asking for one million dollars or less from bank financing, then there are chances that your SBSS score will be under review.

The Kind of Information in the Score

The SBSS provides the credit issuers of businesses different information blends to make sure that they can analyze your company’s credit risks. For instance, a specific issuer of credit can choose only to assess a concept proprietor’s application data, or the credit issuer can choose to consist of one or multiple business bureaus’ information.

Or the credit issuer can only decide to prioritize one element over another. This intelligent rating originates from various business bureaus on an automated basis, in any type of order or whatever priority the issuer of the credit chooses. As a result, if the loan provider chooses the score of Dun & Bradstreet’s PAYDEX as its default, the SBSS will pull that set of data.

SBSS Credit Offer Index: Just How It Works and Why It Is Important

The Credit Index is an aspect of the FICO SBSS Credit Score for your small business, made to aid credit issuers understand your capacity. It works as the standards against all businesses with comparable profiles.

The SBSS Credit Offer Index includes economic application details, business bureau documents, and credit bureau information for consumer. It provides a percentile ranking of the present against other smaller companies with identical or similar features and total requested money from all those businesses.

The Updated SBSS

Reporting agencies like Experian power the newer FICO SBSS Score model. The SBFE data might be used to prepare for charge-offs, bankruptcy, or three plus cycles overdue or misbehavior over a duration of two years.

5. Free Credit Score for Business: SBA Credit Scoring

The SBA’s tool has a basis in FICO. Their idea is to speed up their credit decisions for loan approvals. The tool uses several information sources and over one hundred combinations of company and consumer analytical models. They use a designated cutoff. https://www.sba.gov/offices/district/mo/st-louis/resources/small-business-loan-credit-scoring

Their general stats on their over $60 billion profile show that companies with ratings at, or above the assigned cut-off will have excellent payment history. So in a way, this isn’t a free credit score for business – it’s more of a score derived from other scores.

Just How Do You Enhance Your Business Credit Scores?

The big question has arrived, and while there is no golden solution, these concepts can definitely assist you increase your rating.

Make Your Payments on Schedule

Your payment patterns and history are a driving force in your overall credit score. Over time, paying your bills promptly will help establish your company as one that pays their financial obligations. This will inevitably help push your rating up as well as show other firms you are a low risk.

Keep Your Debt-to-Income Ratio in Check

The more debt you have on your plate, the more invoices you have, and the less disposable income you have. If your total debt approaches or exceeds your income level, then you’re more than likely to be seen as high-risk.

Keep your financial obligations in check and consistently pay them off to keep a healthy balance between what you make and what you owe.

Use Your Credit

Keeping your financial obligations low remains sound advice. Still, opening and sensibly benefiting from business credit accounts can help you broaden your available credit and improve your credit score.

Maintain a Healthy Personal Credit Profile

By now, you know that your own personal credit is fair game when it involves your Intelliscore Plus rating. Running a company is difficult work, however don’t let your personal finances suffer. Make certain that you remain on top of your individual monthly bills, stay clear of unnecessary credit inquiries, and refrain from compromising your personal credit for business needs.

Check Your Credit Reports

Regardless of what your credit score is, it is critical that you continue to be attentive and evaluate your personal and business credit reports. This can help you locate possible problems and stay educated by yourself credit profile.

Free Credit Score for Business: Takeaways

When you recognize where to check your free credit score for business, you have a much better chance of getting on top of it, and staying there.

 

 

The post 5 Amazing Ways You Can Get a Free Credit Score for Business appeared first on Credit Suite.

How to Get and Read Your FREE Business Credit Reports and Understand Your Score

And How to Understand Your Score

Most people know they have a personal credit score.  Many business owners do not know, however, that they may have a business credit score.  This is a score very similar to your personal FICO, but it is related to your business financial transactions only. It is not connected to your personal finances at all.  In fact, free business credit reports are not even connected to your social security number.

The problem is, unlike your personal credit reports, it can be difficult to determine what business credit reports have one them.  It is easy to get a copy of your FICO report for free.  It is not so easy to do the same with business credit reports.

Where Do Your Free Business Credit Reports Come From?

Just as there are credit reporting agencies for your personal credit score, there are also business credit reporting agencies.  The largest one, and the one lenders use most often, is Dun & Bradstreet.  However, there are actually several others.  The other two most common are Experian and Equifax.

They do not just give out credit reports for free however.  In fact, the prices for reports directly from the top 3 most commonly used credit reporting agencies are pretty steep.  For example:

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  • Dun & Bradstreet reports range in price from $61 to $229 per report.
  • Experian reports are $49.95 per report.
  • Equifax is $99.95 per report.

The prices range so broadly due to the varying complexity and detail of the information provided in each report.  For example, Dun & Bradstreet has multiple types of scores and a report for each one.

How to See Your Credit Report for Free

The only real way to get a free copy of your credit report is if you are denied a loan based on your business credit.  There are ways to see what is on it, one time, for free however.

Nav

Nav is a service that will let you see a summary of your credit reports from all three of the major credit reporting agencies.  However, these are only summaries, not full reports.  Generally, that means you can see your score, and maybe the accounts you have listed.  While this will help you see where you stand, it will not suffice for the purpose of correcting mistakes or even to show you what you need to do to improve your score. You do have the option to pay for more information though.

Credit.net

Credit.net does not offer ongoing free business credit reports, you can access a free trial.  There is no credit card required, and after you pull the report, you have 30 days to check it out. This means at least once you can get a totally free look at your report, because there is no fear of missing a cancelation deadline and having to pay anyway.

Scorely

This is a lesser known credit reporting agency that will let you see your credit report for free before you pay for an ongoing subscription.  Unlike Nav or Credit.net, they are actually calculate their own score similar to the big 3 (Experian, Equifax, and Dun & Bradstreet.)  They strive to be totally transparent and to make their reports easy to understand.

CreditSafe

You do have to pay for an ongoing subscription to CreditSafe, but they will give you a free credit report to get you started.  It will only include Dun & Bradstreet, but it is a good taste of what you can see with a full subscription.  It is also another option for a free copy of your business credit report. If you do subscribe, they have a number of reports that are unique to them.  This means you are getting something that you may not get with the other monitoring services or even the standard reports from the Dun & Bradstreet, Experian, or Equifax.

Business Loan Denial

As mentioned before, you can get a free copy of your business credit reports if a lender denies you for a business loan. This is the less fun way to see your business credit reports for free. After denial, you will receive a letter in the mail from the agency that provided the lender with your report.  You will have the opportunity to request a free copy of the report that the lender saw, so that you can see why the result was denial. You have 90 days to submit your request.

How To Read Your Free Business Credit Reports

Each reporting agency offers different types of reports and information, but they all contain the same general data.

Dun & Bradstreet

Dun & Bradstreet offers several different types of business credit reports.  In fact, there are six different reporting options in all.  They all offer different information related to credit worthiness, and it takes all of them to get the whole picture.  The price range listed above is dependent on which reports you want to order.

The report most use is the PAYDEX.   This is likely because it is the easiest to understand, due to it being the most like the consumer FICO score.  It measures how quickly a customer makes payments and ranges from 1 to 100.  Scores of 70 or higher is acceptable.   For example, a score of 100 shows payments are made in advance, and a score of 1 indicates that they are 120 days late, or more.

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The other Dun & Bradstreet Credit Reports include:

  • Dun and Bradstreet Delinquency Predictor Score

The delinquency predictor score measures how likely it is that the company will not pay, will be late paying, or will fall into bankruptcy.  The scale is 1 to 5, and a 2 is good.

  • Financial Stress Score

The financial stress score is measures pressure on the balance sheet.  It shows how likely the company is to shut down within a year.  These scores range from 5 to 1, with a score of 2 being “good.”

  • Supplier Evaluation Risk Rating

This rating ranks the odds of a company surviving 12 months.  The minimum score is a 9 and the maximum is 1.  A “good” score is 5.

  • Credit Limit Recommendation

The credit limit recommendation reflects a business’s borrowing capacity.  It is a recommendation for how much debt a company can handle. Typically, creditors use this to determine how much credit to extend.

  • D&B Credit Rating

This one ranks overall business risk on a scale of one to four.  A score of 2 is good.  The rating is given in conjunction with letters, the combination of which indicate a company’s net worth.

Even if there isn’t enough information on a business to assign a regular rating, Dun and Bradstreet will assign what they call a Credit Appraisal Score.  This is based on number of employees. Another option is an alternative rating based on what data is actually available.

Experian

Experian’s uses what it calls Intelliscore as its credit ranking.  There are more than 800 different factors that they use to predict a company’s credit risk. With Intelliscore, a score of 76 or higher indicates a low risk of default or late payment. If a score falls between 51 to 75, it indicates a low to medium risk.  Scores from 26 to 50 are medium risk, and from 25 down to 1 is medium high to high risk.

Here is where Experian gets tricky. Intelliscore is a blended score of both the business and business owner’s personal information.  That means it offers insights into a business’s public record findings, collections, and payment trends, as well as overall business background. Experian is also unique in that it does not ask businesses to self-report.  Instead, they collect all the information themselves. You will have to give permission for a lender to view this report, due to it containing personal information.

Equifax

Equifax collects information similar to Dun and Bradstreet, including: information from public records, financial data from the business, and payment history from creditors.  Credit utilization is also a factor, which accounts for how much credit you are using versus the amount of credit you have available to use.

The information is used to calculate various scores, including the business credit risk score and the business failure score. The first measures how likely it is that a business will become 90 days or more delinquent on bills over the next year.  The score ranges from 101 to 992.  The second ranges from 1,000 to 1610 and predicts how likely it is that the business will file for bankruptcy over the next 12-month period.  A lower score indicates higher risk.

They also calculate what they call the business payment index.  This is the Equifax version of Dun & Bradstreet’s PAYDEX.  It even runs on the same scale of 0 to 100.  This is an indicator payment history over the past year.  It is different from the PAYDEX, however, in that you must to reach a score of 90 or higher for it to be a “good” score.

In addition, Equifax offers business identity reports to confirm a company actually exists. It verifies details such as the company’s tax ID, number of employees, and yearly sales.

Equifax does not allow business owners to request reports on their own company.  They decide themselves when to start a credit file on a specific company.

A Note on CreditSafe

business credit reports Credit Suite2

CreditSafe offers reporting options based on your Dun & Bradstreet score.  They offer 3 packages, Standard, Plus, and Premier.  The problem is, they do not list their prices on their website.  You have to request a quote to determine what your pricing would be, as they also allow you to purchase individual products as well.

Since their reporting is based on information from Dun & Bradstreet, they are not technically a credit reporting agency themselves.  However, since they do have their own reports, they are a little different from a straightforward credit monitoring company as well. They are quickly growing in popularity. No doubt that is partly due to the subscription service it offers, which allows easy insight into your own company’s credit report. The free trial allows for test driving, which sweetens the deal even more.

Their main score, the CreditSafe rating, works on a scale of 1-100.  It predicts the likelihood that payment performance will become 90 plus days beyond terms within the next 12 months or that the business will go bankrupt.  They offer a variety of other scores and reports that provide a ton of information however.

CreditSafe Free Business Credit Reports

  • International Score

This score is derived from the Creditsafe rating. It allows for a comparison of credit risk between companies that are registered in different countries.

  • Credit Limit

The Creditsafe recommended credit limit uses information from the business payment records and those of similar companies to calculate a dollar amount recommendation of the maximum amount of credit a company should receive at any one time.

  • Days Beyond Terms (DBT)

Compares how many days late a business pays its bills in comparison to other companies in the industry.

  • Derogatory Legal

This is a report on the number and value of tax liens and judgements that have been filed in the past 6 years and 9 months.  It also includes bankruptcies filed in the last 9 years and 9 months

  • Payment Trend

A report designed to highlight at a glance substantial changes in how a company is paying its bills.

  • Business Spend Trend

Let’s you know whether the total annual business spending is going up or down when compared to the previous year.

Subscription packages come in levels, and the prices are dependent completely on your business’s individual needs.  You will have to speak to a consultant to get a quote.

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Seeing Your Free Business Credit Reports is Necessary to Taking the Pulse of Your Business

It’s true, a solid business credit score does not always indicate a healthy bottom line.  What it does indicate, however, is the propensity for growth. If your business credit reports don’t look so hot, you are going to have a hard time getting funding to expand and grow. Stagnant businesses are doomed to die, meaning your business credit reports could very likely be your lifeline.  Knowing how to access them for free is important.  However, it is important enough to know what is on your business credit reports that for most, they are actually worth paying for.

 

 

 

 

 

 

The post How to Get and Read Your FREE Business Credit Reports and Understand Your Score appeared first on Credit Suite.