Does Ramp Report to Credit Bureaus?

Ramp does not report any activity to the three major personal credit bureaus, so it does not change your personal credit score; the only check it makes is a soft inquiry on your SSN for identity verification, which leaves your score untouched, while later sections explain how Ramp can influence business credit and why that matters.

• Ramp does not send personal credit inquiries or account activity to Equifax, Experian, or TransUnion.
• The platform only performs a soft pull on your personal SSN, which leaves your consumer score unchanged.
• Any impact Ramp may have appears on business‑credit reports (e.g., Dun & Bradstreet, Experian Business), not on the three consumer bureaus.
• Because no hard inquiry is recorded, you can apply for other credit cards without worrying about a dip in personal credit.
• This non‑reporting rule applies regardless of payment timing; late or missed payments affect only your business credit profile.

Ramp feeds your company's card activity to business‑credit bureaus, so it can move your business score up or down. As we noted earlier, your personal credit stays untouched, but the data Ramp shares influences the business profile.

Ramp reports payment history, balances and utilization to Dun & Bradstreet and Experian Business. Paying on time and keeping utilization below about 30 % usually improves the score, while late payments or maxed‑out limits can hurt it. For more detail, see Ramp's business credit reporting.

Ramp doesn't appear on your personal credit report, but you can still verify its presence on your business credit file.

• Log in to the credit‑monitoring service you use for business credit (e.g., Dun & Bradstreet, Experian Business, Equifax Business).
• Locate the 'Accounts' or 'Trade Lines' section.
• Search for 'Ramp' or the Ramp account number you received when the card was issued.
• Check the line's status, balance, and reporting date to confirm it's being reported.
• If the line is missing, contact Ramp support and ask them to confirm the reporting schedule.

Seeing Ramp on your business report confirms that the card is contributing to your business credit profile, even though your personal credit remains untouched. This sets the stage for understanding the soft‑pull mechanics covered next.

Ramp performs a soft pull on your personal credit the moment you apply for a card or line.

1. Soft pull definition - A soft pull checks your credit without creating a hard inquiry, so it doesn't lower your score. Learn what a soft credit check means.
2. Ramp's process - When you enter basic personal information, Ramp queries the credit bureaus to verify identity and assess eligibility, but it tags the request as 'soft.'
3. Report visibility - The soft inquiry appears only on the 'inquiries' section of your personal credit report; it is not visible to lenders who screen for hard pulls.
4. Business credit impact - The same soft pull does not affect the business credit file, though Ramp may use the information to set your business limit; any later activity (payments, balances) can influence business credit scores.

Ramp won't boost your business credit score because it doesn't send card activity to Dun & Bradstreet, Experian Business, or Equifax Business (as we covered above). To build credit you'll need other tools that actually report.

• Open a D&B CreditBuilder account and let D&B record your payments.
• Apply for vendor lines - like Staples or Crown Office Supplies - that report net‑30 invoices.
• Use a business credit card that explicitly states 'reports to major bureaus' and keep balances low.
• Pay every invoice on time; payment history is the single biggest factor in business scores.
• Monitor your profile on <https://www.experian.com/small-business&gt; to catch errors early.

A late Ramp payment hurts your business credit, adds a late fee, and can increase the interest you owe.

Ramp charges a $15‑$25 late fee and starts charging interest on the overdue balance, which then appears on business‑credit reports such as Dun & Bradstreet. Ramp fee schedule details the penalties.

If you miss payments, Ramp may suspend your card, limit future credit lines, and withdraw any rewards or cash‑back perks, making day‑to‑day operations harder.

Ramp never pulls a hard inquiry and never sends personal payment data to Equifax, Experian, or TransUnion. It also does not push transaction history to any business‑credit bureaus, so your credit‑score file stays untouched regardless of how you use the card.

Brex, by contrast, runs a soft pull on your personal SSN when you sign up and forwards approved spend to Experian Business (and occasionally other business bureaus). Those reported balances can shape your business credit profile, and the initial soft pull may appear on a personal credit report.

Redditors confirm Ramp never touches their personal credit scores, yet a handful notice subtle shifts in business credit.

Typical observations look like this:

• Users see a soft pull when opening a Ramp account, which leaves no trace on personal reports.
• Some founders report that timely Ramp payments help their business credit file gain a few points, especially with Dun & Bradstreet.
• A few entrepreneurs mention missed or late Ramp payments triggering a negative mark on their business credit, not personal.
• Several threads note that because Ramp's business card isn't linked to personal Social Security numbers, personal credit remains untouched.

These anecdotes line up with the earlier explanation that Ramp skips Equifax, Experian, and TransUnion for personal credit, but can influence a company's credit profile. For solopreneurs, watch the upcoming 'gotchas' section to avoid the pitfalls users have highlighted.

Solopreneur Ramp credit gotchas boil down to invisible reporting and internal risk checks. Ramp performs a soft pull on the founder's personal credit at signup and does not send payment activity to any personal or major business credit bureaus, so no late payment will ever appear on a credit report (as we covered above). The only record kept lives inside Ramp's own risk engine, which can tighten limits or freeze accounts without any external alert.

Examples illustrate why the lack of reporting matters. A missed payment won't dent a personal score, yet Ramp may flag the account, reduce the credit line, or suspend the card altogether. High utilization - say 80 % of the allocated $5 k - can trigger an automatic downgrade, forcing the solo founder to scramble for funding elsewhere.

Because no data reaches Ramp's official credit reporting policy, using the platform alone cannot build business credit; entrepreneurs must supplement with traditional lenders or credit‑building services. Relying on Ramp for a credit score therefore creates a false sense of security while the underlying risk remains hidden.