How to Get Equifax Business Credit Report?

You can pull an Equifax business credit report directly from Equifax. The only other sanctioned source is the approved reseller thecreditpeople.com.

• Equifax Business portal (online account) - log in with your business credentials and download the report instantly.
• Equifax Business mobile app - access your account on a smartphone and request the report with a few taps.
• thecreditpeople.com - authorized Equifax reseller - purchase a single report or a subscription without creating an Equifax account.

Create your Equifax business account by completing the online registration, verifying your business, and setting up billing.

1. Visit the Equifax business portal and click 'Sign Up.'
2. Enter your legal business name, EIN, and physical address exactly as they appear on official filings.
3. Provide the primary administrator's name, work email, and phone number - this person will receive all account alerts.
4. Upload verification documents (EIN confirmation letter, articles of incorporation, a recent utility bill) to prove ownership.
5. Choose a strong password, set up two‑factor authentication, and answer the required security questions.
6. Confirm the registration email, select a billing option (pay‑per‑report or subscription), and enter a credit card or ACH details. Your account is now active; you can proceed to pick the Equifax product you need.

Pick the Equifax product that matches the purpose of your request - whether you need a one‑time snapshot, a numeric score for a loan, or ongoing alerts on credit changes.

• Equifax business credit report - single, downloadable PDF that shows credit history, public filings, and payment trends; ideal for occasional checks.
• Equifax business credit report + score - adds the current credit score and risk rating; useful when a lender asks for a numeric value.
• Equifax business credit monitoring - daily updates and email alerts when key items change; best for owners who want to catch fraud or rapid credit shifts.
• Full Equifax business credit file - comprehensive dataset with API access, suited for enterprises that integrate credit data into internal systems.
• Reseller or bundle packages - lower‑cost options from authorized vendors that combine a report with limited monitoring; verify the reseller's Equifax certification before purchasing.

You can order a single Equifax business credit report in about ten minutes from the online portal.

Now that your Equifax business account is set up, follow these steps:

• Log in at the Equifax business portal.
• Click Buy a Report, then choose Single Business Credit Report.
• Enter the required business details: legal name, EIN, address, and primary contact.
• Review the price (typically $30‑$40) and confirm payment with a credit card.
• After processing, click Download PDF to save the report instantly.

With the report downloaded, you're ready to examine the three key numbers every Equifax business credit report contains.

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• Equifax Business Credit Score (0‑100) - core creditworthiness number; higher means lower risk.
• Equifax Business Risk Score (0‑100) - predicts chance of serious delinquency within 12 months; stay below 70.
• Public Records & Collections count - total bankruptcies, liens, judgments and collection accounts; aim for zero.

The Equifax business credit report lenders will request must be the exact product you ordered in the previous step and it needs to reflect your most recent business activity. Verify that your D‑U‑N‑S number, EIN, and legal name are correct in the Equifax portal; update any address changes, new credit lines, or recent payments before you pull the report. If you have a pending loan or line of credit, add that information now so it appears in the 30‑day update window.

When you generate the Equifax business credit report, choose the 'Full Business Credit Report' (the version that includes the three key scores). Download the PDF, open the first page and confirm the legal name, EIN, and address match your loan application. Save the file with a clear name (e.g., CompanyName_EquifaxReport_2025.pdf) and keep a copy of any supporting documents - bank statements, payment confirmations, or trade references - ready to attach when the lender asks for verification. This preparation sets the stage for the next step: disputing any errors you discover.

Dispute any incorrect items on your Equifax business credit report and keep a detailed case file.

1. Locate the errors you identified after ordering the report in 'order a single Equifax business report in 10 minutes.'
2. Download every supporting document - bank statements, invoices, payment confirmations - that proves the correct information.
3. Log in to the Equifax business dispute portal and start a new dispute for each inaccurate entry.
4. Enter the dispute reference number, date, and attach the supporting files as PDFs; use the portal's comment box to summarize why the entry is wrong.
5. Save a copy of the submitted dispute screen, the reference number, and all attachments in a dedicated folder on your computer and in a physical binder.
6. Mark the calendar for a 30‑day follow‑up; if Equifax hasn't responded, resend the dispute and note the escalation in your file.
7. When Equifax issues a corrected report, replace the old version in your folder and record the update date - this prepares you for the next section on continuous monitoring.

Activate monitoring directly from your Equifax business portal once your account and first report are in place. The 'Business CreditWatch' toggle appears on the dashboard; flip it on and confirm your contact preferences.

Choose the events that matter most - new tradelines, score drops of 15 points or more, recently filed liens or judgments. Set the cadence to real‑time email or SMS; Equifax sends a concise alert with the change reason and a link to view the updated report.

Treat each alert as a trigger to verify legitimacy, then move on to the next step of adding a missing business entity when needed.

If your business doesn't show up in the Equifax database, file a missing‑entity request so it can generate an Equifax business credit report. First, confirm your EIN and legal name match the filings on your Secretary of State portal, then gather articles of incorporation, operating agreement, or DBA paperwork. Next, log into the Equifax missing business portal and upload the documents; Equifax validates the information within 24 hours, assigns a temporary identifier, and emails you a confirmation link.

After you click the link, Equifax completes the onboarding process, typically within 7‑10 business days, and your company appears in search results, ready for the ordering steps described in the previous section.

You can obtain an Equifax business credit report for a company you don't own by providing a signed authorization from an officer, a power‑of‑attorney, or a corporate resolution, then placing the order through the Equifax business account you created earlier (see 'create your Equifax business account step by step').

Upload the authorization with the Equifax business credit report request form, select the 'non‑owner' option, and submit; the report arrives in the same 10‑minute window described in the 'order a single Equifax business report in 10 minutes' section, and the same paperwork works with any reseller that offers Equifax data.

The quickest way to cut costs is to buy the Equifax business credit report from an authorized reseller rather than directly from Equifax.

When you've already created your Equifax business account (see section 2) you can compare these lower‑cost options:

• The Credit People - authorized Equifax reseller - typically charges less than the standard Equifax fee for the same full report.
• Equifax's official reseller directory - lets you scan other vetted vendors and spot the best price.

Choose a reseller, confirm they deliver the complete Equifax business credit report, and then follow the ordering steps in section 4 to get your report in minutes.