For LLC and small-business owners
Before a lender reads a single financial statement, it screens your business's records: good standing, an EIN, a business bank account, names and addresses that match across seven records, a credit file that exists. This free checker audits those records — in that order — and names every gap it finds.
Free · About two minutes · Your answers never leave this browser
Answer about your business's records as they are today — not as you plan them to be. The verdict is computed from what you report, by one standing rule, and it will not be softened: a hard stop prints as a hard stop.
Your personalised fix sequence: every gap in your answers, in screening order, with the fix steps — plus the floor comparison, the denial decoder, and the SBA readiness module.
$39 · one-time payment
Good standing with your state, an EIN in the business's name, and a business bank account titled in the legal name. Failures here end applications before a person is involved.
The legal name, address, and phone compared across the state record, the EIN letter, the bank, the bureau listings, the 411 directory, and your Google profile. Mismatches are the classic silent denial.
Whether a business credit file exists at all — a D-U-N-S number at Dun & Bradstreet — and whether anything is reporting into it: supplier tradelines and credit accounts that actually report.
It pulls nothing. No bureau file is opened, no score is printed or estimated, and no verdict here is a lender's decision. It audits what you report, and stamps every result “Self-reported — not bureau-verified.” Lenders decide, on files and financials this check never sees. Anyone who promises you more than that is selling the promise, not the check.
How to build business credit step by step: state record, EIN, business bank account, D-U-N-S number, then supplier tradelines you verify report — in screening order.
Do I qualify for a business loan? Lenders publish minimum floors — score, months in business, revenue. Here are the floors we could verify, dated, and the ones we could not.
Business credit for a new LLC, in order: formation, EIN, business bank account, D-U-N-S, verified tradelines — and what cannot be hurried, whatever the ads say.
A D-U-N-S number explained plainly: it is free from Dun & Bradstreet, takes up to about 30 business days, opens your D&B business credit file — and it is not the UEI.