What Is The Experian Business Credit Score Range?

The Experian business score ranges from 0 to 100, with three commonly referenced bands: 0‑49 (poor), 50‑69 (fair), and 70‑100 (good); lenders typically view scores below 50 as high‑risk, scores in the 50‑69 range as moderate risk, and scores 70 and above as low risk, a framework you'll see revisited when we discuss which score bands matter to your financing and how lenders and suppliers interpret the score.

Lenders and suppliers focus on the Experian business score bands that sit at or above the good threshold (60‑79) and especially the excellent range (80‑100). Below those levels financing becomes increasingly costly or unavailable.

• 80‑100 (excellent): qualifies for the lowest interest rates, highest credit limits, and most flexible repayment terms.
• 70‑79 (good‑high): still attracts competitive rates, though fees may be modestly higher and limits slightly lower than the excellent band.
• 60‑69 (good‑low): typically meets minimum criteria for standard loans and net‑30/60 trade credit; rates are average.
• 50‑59 (fair): many suppliers will extend trade credit, but lenders often require a co‑signer, collateral, or higher fees.
• Below 50 (poor to very poor): financing is difficult; expect high costs, restrictive terms, or denial.

Lenders read your Experian business score (0‑100) to gauge credit risk and set loan amounts, interest rates, and repayment terms; a score in the 85‑100 band typically unlocks the most favorable rates, while 0‑49 often results in a denial or a high‑cost loan. They also use the score bands - low (0‑49), medium (50‑69), high (70‑84), and excellent (85‑100) - to decide how much collateral to require or whether to approve a line of credit at all.

Suppliers apply the same Experian business score to determine trade credit options; a high score usually earns net‑30 or net‑60 terms, whereas a low score may force upfront payment or a reduced credit limit. They often match the score band to their own risk policies, so businesses in the 70‑84 range can expect moderate terms, while those below 50 should anticipate stricter payment conditions.

Experian business scores operate on a 0‑100 scale and reflect a company's payment patterns with suppliers, public filings, credit utilization on business lines, and industry risk, whereas personal credit scores use a 300‑850 range and focus on an individual's revolving card balances, mortgage history, and personal loan repayment behavior. The business model pulls data tied to an EIN and does not consider a consumer's Social Security Number, so the two scores are calculated from distinct data pools and therefore cannot be directly compared.

Because the score bands (0‑49 very poor, 50‑64 poor, 65‑79 fair, 80‑89 good, 90‑100 excellent) drive lender decisions differently than personal‑credit tiers, lenders and suppliers look at the Experian business score when evaluating credit lines, trade terms, or financing options. To view your own score you must request an Experian Business Credit Report, as explained in Experian business credit score details, which you'll explore in the next section on checking your score today.

You can see your Experian business score (0-100) right now by logging into Experian's online portal.

1. Go to the Experian Business Credit Report portal and click 'Sign Up'.
2. Enter your business name, Tax ID, and a contact email; Experian will match the information to its database.
3. Verify ownership by responding to the secure email link or uploading a recent utility bill.
4. Once approved, the dashboard displays your current Experian business score and the corresponding band (0‑49 = Poor, 50‑69 = Fair, 70‑84 = Good, 85‑100 = Excellent).
5. Click 'View Report' to download the full credit file, see factor breakdowns, and set up email alerts for future score changes.

Here are five quick fixes you can complete in 30 days to lift your Experian business score within the 0‑100 range.

• Pay any invoice that's past due, even if it's only 30 days late; on‑time payment pushes the score toward the 70‑84 'good' band.
• Update your business address and phone number on all trade references; accurate contact data reduces 'incomplete profile' penalties that keep the score in the 0‑49 'poor' band.
• Add three new, reputable trade lines with vendors who report to Experian; diversified credit history typically nudges the score into the 70‑84 range.
• Reduce utilization on existing revolving accounts to below 30 % of the credit limit; lower utilization is a key factor that often moves the score from fair (50‑69) toward excellent (85‑100).
• Dispute any inaccurate negative entry you find on your Experian business report; successful removals can instantly raise the score by several points, sometimes crossing a band threshold.

Maintaining an Experian business score in the 70‑85 'good' band or higher requires daily habits that reinforce payment reliability, credit depth, and data accuracy.

• Pay every invoice on or before the due date; on‑time payments influence the 0‑100 score most directly.
• Keep trade‑line utilization below 30 % of each creditor's limit; low utilization signals responsible borrowing.
• Preserve long‑standing credit accounts; age of credit history contributes positively to the score.
• Update business information promptly when addresses, ownership, or legal status change; current data reduces the risk of reporting errors.
• Limit hard inquiries to essential financing events; each inquiry can temporarily dampen the score.
• Automate recurring payments to avoid missed due dates, especially for utility and lease obligations that feed the Experian model.
• Review the Experian business report quarterly; spotting anomalies early prevents score drift.

Regularly applying these habits keeps the Experian business score steady within the desired range and sets the stage for the next step: learning how to spot and dispute errors on your Experian report.

To spot and dispute errors on your Experian report, obtain the report, compare every entry to your records, and file a dispute for any mismatch.

1. Pull the latest report - Log in to the Experian business credit dispute portal or request a copy by phone; the report shows your Experian business score within the 0‑100 range and its score bands.
2. Scan personal and business identifiers - Verify the legal name, EIN, address, and phone numbers. Any typo can drag your score down a band.
3. Audit payment history - Look at trade lines, loan payments, and credit card balances. Flag late payments or balances that differ from your ledger.
4. Check public records and inquiries - Ensure bankruptcies, liens, judgments, and credit inquiries are accurate; an erroneous collection can shave points off the Experian business score.
5. Collect supporting documents - Gather invoices, bank statements, court filings, or settlement letters that prove the correct information.
6. Submit a dispute - Use Experian's online form, attach your documents, and clearly state the item, the error, and the correct data. You may also mail a dispute with copies of evidence.
7. Track the investigation - Experian must investigate within 30‑45 days. Monitor status updates in your account dashboard.
8. Review the updated report - Once the dispute resolves, confirm the corrected entry and note any change in your Experian business score or its band.
9. Repeat if needed - If new errors appear, repeat steps 2‑8 until the report accurately reflects your business credit profile.

Changes to your credit file typically appear on the Experian business score (0‑100) within 30 to 45 days, though electronic submissions can sometimes update in as few as 7 days.

Experian refreshes the score only after it receives a new filing from a lender, supplier, or public‑record source; most creditors report on a monthly cycle, so the next reporting window determines when the adjustment is reflected.

If the expected shift hasn't shown after 45 days, confirm the creditor sent the update and then review how to spot and dispute errors on your Experian report.

If you spot an error on your Experian report, you can dispute it to prevent your Experian score from being unfairly lowered.

1. Pull your latest Experian report (use the free annual credit report).
2. Mark the inaccurate entry, write down the creditor name, account number, and the exact mistake.
3. Collect proof  - payment receipts, bank statements, or letters that show the correct information.
4. Submit a dispute through the Experian online dispute portal (or mail a certified‑letter) and include: your identification, the item in question, why it's wrong, and copies of supporting documents.
5. Wait up to 30 days for Experian's investigation. Review the updated report; if the error persists, add a consumer statement or file a complaint with the CFPB.

Startups normally enter the market with an Experian business score in the 0‑59 low band because they have little or no credit history, so lenders treat them cautiously.

• Open a business credit card and use it responsibly to generate early payment data.
• Apply for a vendor line that reports to Experian (e.g., office supplies, fuel).
• Keep personal and business finances separate to avoid mixing scores.
• Seek micro‑loans or community‑bank financing that consider cash flow, not just the score.

Dormant firms are businesses that have stopped operating but still exist legally; their Experian business score reflects the last period of activity and can sit in the 60‑79 medium band if prior payments were on time, or drop to low if no recent data is reported. For example, a LLC that paid its utility and rent bills regularly before pausing sales will retain a medium score for several months, while a corporation that abandoned all accounts may see its score slide toward the low band because reporting ceases.

Thin files describe companies with fewer than three tradelines on their Experian business report, resulting in a score that is highly sensitive to each new data point. Key term: thin file indicates limited credit depth, and Key term: alternative data such as utility or telecom payments can fill gaps.

To strengthen a thin file, add tradelines that report promptly to Experian, enroll in Experian Business Credit Builder, and encourage suppliers to file payment histories; as new information accumulates, the score moves from the low to the medium band and gains predictive stability.