What's Your TransUnion Business Credit Report?

You can view your TransUnion business credit report instantly by logging into the TransUnion Business Center.

1. Gather your EIN, business name, and the contact email used when you first registered.
2. Go to the TransUnion Business portal and click 'Create Account' if you haven't enrolled; otherwise select 'Sign In.'
3. Complete the identity verification step, which may require a recent utility bill or a copy of your Articles of Incorporation.
4. Once logged in, navigate to the 'Credit Reports' tab and choose 'Request Business Credit Report.'
5. Confirm the free annual request or select a paid option for more frequent updates; the report appears within minutes.
6. Download the PDF or save the online snapshot for later reference.

Now that you have your TransUnion report, you can move on to 'read every field on your TransUnion report' to decode what each metric means.

Read every field on your TransUnion business credit report by scanning each section and noting what it tells you about your company's credit profile.

• Profile Summary - shows business name, tax ID, address, and score range; confirms you're reviewing the correct entity.
• Payment History - lists each trade line, dates, amounts, and payment status; reveals whether you pay on time.
• Public Records - displays UCC filings, liens, bankruptcies, and other legal actions; see UCC filing details on TransUnion for examples.
• Inquiries - records who has pulled your TransUnion report and when; indicates how often lenders are evaluating you.
• Risk Scores & Ratings - includes the TransUnion business credit score, industry benchmark, and risk level; shows where you stand before lenders see the same numbers.
• Comments & Alerts - contains notes from lenders or alerts about changes; helps you anticipate future credit decisions.
• Industry Comparisons - compares your score to peers in the same SIC code; highlights strengths and gaps for upcoming improvement steps.

A TransUnion business credit report follows a standard layout, so copying the structure helps you spot missing data, compare scores, and prepare for lender reviews. Below are three illustrative templates that mirror actual TransUnion report sections; obtain your official report from TransUnion before filling in real numbers.

Template 1 - Summary Snapshot

Business Name: ______________________

EIN: ______________________

TransUnion Business Credit Score: ___ (Scale 1‑100)

Credit Limit Utilization: ___%

Payment Trend (last 12 months): ___% on‑time

Template 2 - Detailed Trade‑Line History

Trade Partner | Account Number | Opened Date | Credit Limit | Current Balance | Status

---|---|---|---|---|---

________________ | __________ | __________ | $______ | $______ | Paid as agreed / Past‑due

Template 3 - Public Records & UCC Filings

Record Type | Filing Date | Amount | Status | Source

---|---|---|---|---

Bankruptcy | __________ | $______ | Open / Closed | County Court

UCC 1 | __________ | $______ | Active / Released | Secretary of State

Use these outlines to audit your own TransUnion report, then proceed to the next step on 'know what lenders will see about your business.'

Lenders see the same data you see on your TransUnion business credit report, filtered for risk‑assessment. They review the business credit score, payment history on trade lines, total and available credit, recent inquiries, any public records such as bankruptcies or liens, and filed UCC filings. The report shows only business identifiers (EIN), not personal SSNs, so lenders base decisions entirely on the commercial profile.

Because lenders weight recent, on‑time payments most heavily, a single late payment can drop the business credit score quickly, while high utilization on open lines flags financial stress. Negative public records or unresolved UCC filings appear as red flags and may lead to higher rates or denial. Keeping these items clean lets lenders view a healthier picture; setting up alerts (see the next section) helps you catch changes before a lender does. For a deeper dive on lender evaluation, see how lenders evaluate business credit.

Enable TransUnion's automated monitoring so you get instant alerts whenever your TransUnion business credit report changes, letting you react before a problem escalates.

Set up alerts through the myTransUnion Business portal and tailor them to the events that matter most to your credit health.

• Log into your myTransUnion Business account (or register if you don't have one)
• Open the 'Alerts & Notifications' section
• Pick the alert types you need: score change, new tradeline, UCC filing, public record, inquiry
• Set threshold values such as a 10‑point score drop or any new filing
• Choose how you want to be notified - email, SMS, or push notification
• Save the configuration; the TransUnion report will now trigger alerts automatically

You locate mistakes by combing through every line of your TransUnion business credit report and matching each entry to your own records.

• Pull the latest report (see 'check your TransUnion business credit report now' for instructions).
• Scan the 'Trade Payment Summary' and 'Public Records' sections for:
  • Misspelled company name or EIN
  • Wrong address or phone number
  • Duplicate or outdated trade lines
  • Incorrect payment status (e.g., reported late when you were on time)
  • Unrecognized inquiries or collections
• Open a spreadsheet, note the line‑item, the error, and the source that proves the correct information (bank statements, invoices, contracts).
• Log in to the TransUnion business credit dispute portal and start a new dispute for each error.
• Attach the supporting documents you collected; keep the file names clear (e.g., 'Invoice_2023-07.pdf').
• Submit the dispute and note the case number.
• Monitor the dispute status in the portal; TransUnion must investigate within 30 days.
• If the outcome is unsatisfactory, file a follow‑up dispute with additional evidence or contact the creditor directly.

Resolving these inaccuracies cleans up your TransUnion report, paving the way for the next step - finding and removing UCC filings and liens that hurt you.

Search the TransUnion business credit report for any UCC filings or liens, then request a release or dispute each entry that is inaccurate or outdated.

When you locate a problematic filing, act quickly:

• Identify the filing number and creditor listed on the TransUnion report.
• Contact the filing office (often the Secretary of State) and ask for a copy of the original document.
• If the filing is erroneous, submit a written dispute to the filing office and attach supporting evidence such as paid invoices or settlement letters.
• Request the creditor to file a UCC-3 termination statement; once filed, update the TransUnion report by uploading the termination proof through the online dispute portal.

Removing harmful filings clears the record, reduces risk flags, and prepares the business for the next step: boosting the TransUnion score in six practical moves.

Boost your TransUnion business score in six practical steps.

1. Check that your EIN and business name align on the TransUnion report. Mismatched data signals risk to lenders.
2. Pay trade creditors by their due dates. Consistent on‑time payments are the single most influential factor in the score.
3. Reduce balances on existing trade lines. Lower utilization shows you can manage debt responsibly.
4. Add new positive trade references. Ask suppliers that report to TransUnion to include your account history.
5. Dispute any inaccurate entries. File a  dispute through TransUnion's online portal  and supply supporting documentation.
6. Leverage the improved score to negotiate better vendor terms. Present the updated TransUnion report during negotiations for lower interest or extended payment periods.

Leverage your TransUnion business credit report to secure better vendor terms.

• Pull the most recent TransUnion report, note the business credit score, payment‑history trends, and available credit lines; these numbers form the factual basis of any negotiation.
• Highlight strengths - high score, long tradelines, on‑time payments to reputable suppliers - in a one‑page snapshot you share with the vendor to demonstrate reliability.
• Quote specific positive entries (e.g., '120 days of on‑time payments to XYZ Corp.') when asking for longer net‑30/60 periods or lower financing fees.
• Reference any recent score increase achieved after correcting errors (see 'Spot and dispute errors hurting your TransUnion score') to argue for volume discounts or better pricing.
• When a vendor requests a personal guarantee, present the business‑only TransUnion report and request a reduced or waived guarantee based on the demonstrated creditworthiness.

Mixing your SSN with your business activities merges personal and business credit, so the TransUnion business credit report pulls in personal debt, late payments, and inquiries. Lenders then see a tangled record, assume higher risk, and you lose the ability to grow a pure business credit profile.

Keep them separate: apply for an EIN (apply for an EIN with the IRS), use it on every vendor account, loan application, and credit card, and file taxes under the EIN. The TransUnion report then reflects only business activity, making it easier for lenders to assess your company and for you to build a distinct credit score. This follows the 'read every field on your TransUnion report' guidance and sets the stage for the upcoming international data‑protection tips.

International firms can shield their data on TransUnion by using the portal's built‑in security tools. The TransUnion business credit report platform provides optional multi‑factor authentication and supports role‑based access for enterprise users.

Create a separate login for every employee who needs view or edit rights. Assign each user a role that matches their job - read‑only for analysts, full access for senior managers - so no one sees more than necessary.

Activate MFA on every account and enforce strong passwords. Review the access log regularly; any unfamiliar IP address should trigger a password reset. These steps keep your TransUnion report safe while you conduct cross‑border transactions.