Does Divvy Report to Credit Bureaus?

Divvy does not send payment data to the three major personal credit bureaus, so regular use of a Divvy card won't move your FICO score. The platform only reports balance, payment and credit‑line activity to business bureaus such as Dun & Bradstreet, Experian Business, Equifax Business and SBFE.

Your personal credit can still be affected if you sign a personal guarantee and then miss a payment, because Divvy may hand the debt to a collection agency or pursue a judgment, both of which would appear on your personal credit file. As the next section shows, the primary impact stays with your business credit profile, not your personal score.

Divvy does not report any of your account activity to Dun & Bradstreet, Experian Business, Equifax Business, or the SBFE. Consequently, business bureaus receive no monthly updates from Divvy, and the personal guarantee you sign does not cause any consumer‑credit filing.

• No credit‑bureau files are generated from Divvy usage.
• Payments, balances, and line‑of‑credit behavior stay inside Divvy's system.
• The personal guarantee creates liability only, not a FICO entry.
• To influence business scores you'll need external reporting sources, which we'll explore in the next section.

Divvy doesn't forward any of your activity to the major business credit bureaus. As we explained above, no transaction you make in the platform influences a commercial credit score.

• Timely payments stay on Divvy's internal dashboard but never appear on Dun & Bradstreet, Experian Business, Equifax Business, or SBFE reports.
• Credit‑line utilization is tracked for budgeting purposes only; bureaus receive no usage data.
• Changes to your account age, limit increases, or limit reductions remain invisible to credit‑reporting agencies.
• Public court filings such as liens, judgments, or bankruptcies are not collected by Divvy for external reporting.
• Personal guarantees may affect your personal FICO if a lender demands them, but Divvy itself does not transmit guarantee information to any bureau.

Divvy's official FAQ on credit reporting

Divvy never pushes transaction or payment information to Dun & Bradstreet, Experian Business, Equifax Business, or the SBFE.

1. No scheduled uploads occur; the platform keeps all activity internal.
2. You receive a downloadable monthly statement that serves as the only record of spending.
3. A personal guarantee ties missed payments to your FICO score, but that impact stems from the guarantee, not from bureau reporting.
4. Building a business credit file still requires a partner that actually reports, such as a traditional credit‑card issuer or a third‑party reporting service.

(See Divvy's official FAQ on credit reporting for details.)

Missing a Divvy payment can ding your business credit file, but it won't touch your personal FICO score unless you signed a personal guarantee.

Divvy sends payment data to the major business credit bureaus - Dun & Bradstreet, Experian Business, Equifax Business, and the SBFE - each month. A late or skipped payment registers as a negative event, which these agencies treat like any other delinquency.

• Score drop: A single missed payment can shave 20‑40 points from your Dun & Bradstreet PAYDEX score and lower your Experian Business rating.
• Reduced credit limit: Lenders see the delinquency and may cut your existing revolving limit or refuse future extensions.
• Higher financing costs: Future loans or credit lines often carry higher interest rates to offset perceived risk.
• Vendor skepticism: Suppliers that check business credit may demand cash‑on‑delivery terms or larger deposits.
• Long‑term record: The negative mark stays on the bureau report for up to 24 months, echoing into any new credit applications.

Act quickly: contact Divvy's support to arrange a payment plan, request a 'paid as agreed' update once settled, and monitor your business credit reports for corrections. The next section shows how to use those same reports to accelerate credit building with Divvy.

Divvy can boost your business‑credit score quickly when you turn on its optional reporting service, which pushes selected payment activity to Dun & Bradstreet and Experian Business on a monthly schedule (no automatic feed to Equifax or SBFE, and no one‑off manual update button). Enabling the feature in the app tags each on‑time invoice and balance change, allowing the bureaus to register a positive payment history without extra paperwork.

Once reporting is active, route recurring expenses - software subscriptions, vendor supplies, travel - through Divvy and settle them before the due date; each clean record nudges your PAYDEX or credit score upward. Keep utilization under 30 % of the allocated limit to signal responsible borrowing, and pair Divvy activity with a traditional vendor line or a secured business credit card for a diversified profile. (Because 'just paying the bill' isn't enough if the bureaus never see it.) For setup details, see Divvy's business credit reporting guide.

Here are five concrete actions that lift Divvy's internal score and can ripple into stronger business credit.

• Pay the full balance before the due date each cycle; on‑time, full payments signal reliability to Divvy's algorithm (as we covered above).
• Keep utilization under 30 % of the credit line; low usage demonstrates disciplined cash flow management.
• Add authorized users only after verifying their spending habits; consistent, responsible use across accounts boosts the collective risk profile.
• Sync a well‑maintained business bank account and enable automatic transaction imports; a clear cash‑flow trail helps Divvy assess stability.
• Request detailed spend reports for lender submissions; presenting Divvy‑generated data to banks can compensate for the lack of bureau reporting.Divvy's reporting tools explained

Yes, you can start a Divvy account even if your business has no credit history; approval relies on your personal credit and cash flow, not on an existing business score.

From day one Divvy uploads your transactions, balances, and payment behavior to the major business bureaus (Dun & Bradstreet, Experian Business, Equifax Business, SBFE), so you begin building a credit file immediately.

A personal guarantee links the account to your FICO score, but the bureau reports remain strictly business‑focused, giving you a fast path to a solid business credit profile. Divvy's reporting details

Divvy reports only to business credit bureaus, so a personal guarantee by itself does not create a line on your personal credit file or affect your FICO score.

If you default and the creditor converts the debt into a personal collection, that collection can appear on your personal credit report and lower your FICO, as explained in Divvy's FAQ on personal guarantees.

Divvy feeds only the business credit bureaus; personal credit feels an impact only if you signed a personal guarantee and the account defaults.

Common myths and the facts behind them:

• Myth: Divvy reports to the three personal bureaus (Experian, TransUnion, Equifax). Fact: Divvy sends data solely to business bureaus such as Dun & Bradstreet, Experian Business, Equifax Business, and SBFE.
• Myth: A missed Divvy payment instantly lowers your FICO score. Fact: Missed payments affect only your business file; personal credit is touched only when the guarantee is enforced.
• Myth: Every purchase updates your credit score in real time. Fact: Divvy aggregates activity and reports monthly, so only net payment behavior appears on your business credit report.

Knowing the truth lets you leverage Divvy without fearing hidden personal damage; the next section explains exactly how a personal guarantee can tie Divvy to your FICO.