What is a Business Credit Score?

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What is a Business Credit Score?

A business credit score represents a company's ability to pay back debt. It's pretty similar to a personal credit score, but there are a few key differences.

For starters, business credit scores are typically based on a 0-to-100 scale instead of ranging from 300 to 850. A score of 75 or more is considered an excellent rating.

In addition, businesses often must apply to a business credit bureau to have their credit activity tracked. These bureaus include Dun & Bradstreet, Equifax Business, Experian Business and Business Credit USA.

Since businesses don't have Social Security numbers, they're instead tracked by their name, address and federal tax identification or employer identification number, also known as FIN or EIN, respectively.

About the Author: A published author and professional speaker, David Weedmark has advised businesses and governments on technology, media and marketing for more than 20 years. He has taught computer science at Algonquin College, has started three successful businesses and has written hundreds of articles for newspapers and magazines throughout Canada and the United States.

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

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