Unlike personal credit, there is no federal law guaranteeing a free annual business credit report the way AnnualCreditReport.com does for individuals. Each business bureau has its own process, and free access is generally more limited than what you get for personal credit. Here is exactly how to check at each one.
Dun & Bradstreet
- Go to dnb.com and search for your business, or log into your account if you have already claimed your D-U-N-S file.
- Sign up for CreditSignal (free) — this shows you when your score changes and gives a general trend, though not the exact PAYDEX number in full detail without upgrading.
- For the exact score, a paid D&B report ($49-$149/month depending on tier) shows the full number and tradeline history.
Experian Business
- Go to businesscredit.experian.com.
- Search for your business using your legal name and EIN.
- A basic snapshot may be available at no cost; the full Intelliscore Plus report and complete tradeline detail typically require a paid report purchase.
Equifax Business
- Go to equifax.com and navigate to the small business section.
- Register your business if you have not already.
- Equifax Business reports are generally purchased individually rather than offered on a recurring free basis.
Nav — the Fastest Free Multi-Bureau Snapshot
Nav aggregates data from D&B and Experian Business into a single free dashboard with summary grades, which is the fastest way to get a general read across two bureaus without visiting each one separately. It does not include Equifax Business on the free tier, and the free tier shows grades and trends rather than the exact numeric score in full depth — Nav Prime (~$49/month) unlocks the full numbers and all three bureaus.
| Bureau | Free Option | What Free Shows | What Requires Payment |
|---|---|---|---|
| Dun & Bradstreet | CreditSignal | Score change alerts, general trend | Exact PAYDEX number, full tradeline detail |
| Experian Business | Basic snapshot | General standing | Full Intelliscore Plus report |
| Equifax Business | Limited | Registration confirmation | Full report, in most cases |
| Nav | Free tier | D&B + Experian summary grades | Nav Prime for full numbers + Equifax |
Want to understand what the PAYDEX number itself means once you see it? See PAYDEX Score: What It Is and How to Check Yours Free.
Track your scores over time in one place. Buildrr℠ logs every score reading you check, so you can see your trend across all four scores without juggling separate portals.
