Equifax is one of the three major business credit bureaus in the U.S., providing critical credit data that lenders, suppliers, and partners rely on to evaluate your company’s financial health. Your Equifax business credit report is a key factor in determining your access to financing, vendor relationships, and business growth opportunities.

What Is Included In an Equifax Business Credit Report?

An Equifax business credit report contains detailed information about a company’s credit history, including:

• Payment performance with vendors and lenders
• Public records such as bankruptcies, liens, and judgments
• Company background and ownership
• Trade and credit line information
• Financial and industry risk assessments

Equifax collects data from banks, leasing companies, suppliers, and public records to compile this profile.

Key Equifax Business Credit Scores

Equifax provides several scoring models to help assess your business’s creditworthiness and financial stability. These scores are used by lenders, insurers, and suppliers to evaluate risk before extending credit or entering partnerships.

Business Credit Risk Score

The Equifax Business Credit Risk Score ranges from 101 to 992. A higher score indicates a lower risk of serious delinquency (90+ days past due) within the next 12 months.

• Scores above 750 typically suggest low risk.
• Scores below 600 may indicate moderate to high risk, depending on other report factors.

The Business Credit Risk Score helps lenders determine the likelihood that your business will pay bills on time and manage debt responsibly.

Business Failure Score

The Business Failure Score ranges from 1,000 to 1,880, with higher numbers indicating a lower probability of business closure due to financial distress in the next 12 months.

• Scores above 1,600 reflect low failure risk.
• Scores under 1,300 may raise concerns and trigger more cautious credit decisions.

The Business Failure Score is particularly important for lenders and insurers evaluating long-term viability.

Payment Index

The Equifax Payment Index is scored on a scale from 0 to 100, based solely on payment history, not predictive analytics.

• Scores of 90 – 100 indicate timely or early payments.
• Scores below 80 suggest late payments of 30 days or more.
• A score of 0 often signals no available payment data or a new file.

Vendors and suppliers often reference this index to quickly assess payment behavior before extending net terms.

Why your Equifax Business Credit Matters

A strong Equifax business credit report can lead to:

• Higher credit limits and better loan terms
• More favorable vendor and supplier agreements
• Increased trust with partners and clients
• Lower insurance premiums for some industries

On the other hand, negative marks—such as late payments, tax liens, or high credit utilization—can damage your business’s reputation and limit your financial options.

How to Access Your Equifax Business Credit Report

Unlike consumer credit reports, Equifax business credit reports are not easily accessible to business owners through a simple online portal. Equifax does not offer a straightforward, self-service option for most small business owners to view their commercial credit profiles directly.

However, at North Shore Advisory, we leverage decades of industry expertise and established relationships within the credit reporting ecosystem to help businesses:

• Access their Equifax business credit report and scores
• Interpret the data with clarity and strategic insight
• Identify areas for immediate and long-term improvement

Our team understands the complexities and barriers in obtaining this critical information, and we make the process easier, faster, and more transparent for our clients.

How to Improve Your Equifax business Credit Scores

While common-sense practices like staying current with payments can help improve your Equifax scores, repairing your Equifax profile on your own can be time-consuming, and potentially do more harm than good. If you want to move the needle, it helps to have an expert on your side. At North Shore Advisory, we have over three decades of experience helping companies:

• Dispute inaccurate or outdated information
• Improve business credit scores across all major bureaus (Equifax, Experian, D&B)
• Monitor business credit reports for changes or fraud
• Strategically build business credit to support funding goals

Whether you’re preparing for financing, recovering from setbacks, or looking to proactively strengthen your business credit, our team provides personalized support and proven strategies.

Get Started Today

Ready to take control of your Equifax business credit report? Contact North Shore Advisory for a free consultation and learn how we can help you unlock the power of strong business credit. Complete the contact form on this page to get started.