Yes. Reports can be configured to match the credit scoring model used by your lender, and it is recommended as a best practice.

Yes. If the same bureau and scoring model are used, the credit score from the soft pull will be identical to that from the hard pull.

Yes, the soft pull report includes the same data and information as a hard pull. The score is also the same.

You need to complete an inspection at your business, and there will be a few documents we request from you, such as articles from the Secretary of State and a utility bill. (An inspection and submitting documents is not necessary if you will only be getting setup for business credit reports.

We’ve seen some businesses get set up with services in just a couple of days, but it typically takes 1-2 weeks.

Yes, you can set up credit report services if you work from a home office. However, you will likely need a commercial office if you plan to use Experian. (business credit reports are even easier and do not have office requirements).

Yes, you can do a virtual inspection with TransUnion and Equifax, but Experian will likely require an on-site inspection. (No inspection needed for business credit reports).

You will only need to complete one inspection, and we can then get you set up with access to each of the three credit bureaus.

No, we can get you set up with business credit reports the same day. You do not need to complete an inspection.

In the U.S., you generally do not need permission to access a business credit report. Unlike consumer credit reports, business credit information is largely based on public records and voluntarily shared data. Public records may include details from government sources like Secretary of State filings, while shared data is often contributed by vendors and lenders who report payment histories to help provide a clearer picture of a company’s financial health.

FICO scores are still the most commonly used scores for lender underwriting. VantageScores, which was developed more recently by the credit bureaus, is often more cost-effective and can provide insight across all three bureaus even when only a single bureau is pulled.

The right scoring model depends on your industry and lender requirements. If you are not a lender, then we recommend getting set up with the same scoring model that your lender uses.

Some industries use specialized scoring models, such as auto-specific, mortgage-specific, or credit card-specific scores, tailored to predict risk for those loan types.

Yes. Each bureau supports different scoring models, and scores can vary based on the bureau and model.

Yes. Multiple credit scores can be included on a single report, we do not see this often, but there could be situations where a business might want to see two or even three credit scores on the same report.

Yes. You can review the credit report data first and then decide if you want to see the credit score. This approach is not common, but it can help reduce costs and we have seen some businesses do it.

Yes. Consumer credit scores evaluate an individual’s personal credit history, while business credit scores focus on a company’s credit activity and financial behavior.

No. Scores can vary by bureau because each bureau has different data, and scores also depend on the specific scoring model used.