Equifax made multiple changes to its business credit reports in recent years. The credit reporting agency overhauled its scoring system in 2023, then improved access to its business credit report in August 2025.
Small-business owners can now easily access their Equifax business credit report through approved resellers like eCredable. Simply request your report online and pay a $49.95 fee.
That’s a notable change. Equifax made it a hassle for business owners to get their own report in the past. You could only get your company’s Equifax business credit report if you were actively applying for business credit, like a loan or credit card — and you had to show proof.
Read on to learn about the Equifax Business Credit Industry Report™ 2.0 and how the scores work.
🤓 Nerdy Tip
Equifax is one of three main commercial credit bureaus. Business credit reports are also available from Dun & Bradstreet and Experian. Each has its own scoring system. What is an Equifax business credit report?
The Equifax Business Credit Industry Report 2.0 includes two main scores: OneScore for Commercial and business failure score. It also details your business and its financial history.
Equifax business credit scores
Equifax OneScore for Commercial
OneScore for Commercial helps lenders predict whether a business account is likely to fall seriously behind on payments. It flags risks like accounts that are 90+ days overdue, major negative credit events or bankruptcies.
The standard OneScore for Commercial Financial Solution is included in the Equifax Business Credit Industry Report 2.0. This score ranges from 300 to 650. A lower score equals a higher risk.
Lenders can also request a scorecard tailored by industry. Those scores are “unique based on the type of data the lender wants to evaluate and can range from 300 to 580 or as high as 700,” an Equifax spokesperson told NerdWallet.
Business failure score (1,001 to 1,610)
This score assesses a business's risk for closing within the next 12 months. It uses commercial demographic data, credit and payment information, and company legal records. A low business failure score indicates a higher risk of failure. A score of zero indicates a bankruptcy on file.
The business failure score also includes:
- Business failure risk class. A high-level grouping from 1 to 5 based on the risk score. A lower risk class equals a lower failure risk.
- Business failure national percentile. This reflects a company's standing relative to other businesses in the Equifax commercial database.
- Failure rates. Shows how often businesses have failed over the past year. Failure rates draw on historical records from the Equifax Commercial database by risk class and national average.
Company details and financials
- Company profile. Business name, phone numbers, addresses and alternate business names (DBAs). You will also find a Standard Industrial Classification (SIC) code, owner and guarantor names, and number of employees.
- Credit summary. Business credit accounts, including loans, leases, credit cards and trade lines.
- Public records. Business registration information. It also includes any liens, judgments and bankruptcies reported against a business.
- Payment trends. Average time a business takes to repay suppliers (over 12 months) and how it compares to industry averages.
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How to get an Equifax business credit report
You can order an Equifax Business Credit Industry Report 2.0 — for your business or another company — via eCredable, an approved Equifax reseller. Each report is $49.95.
Resolving errors on your Equifax business credit report
Contact Equifax business support if you spot any mistakes on your Equifax business report. You can do this one of three ways:
- Phone: 1-888-407-0359.
- Email: [email protected].
- Online form: Select “report data to Equifax” to submit a request.
Next, contact the organization that supplied the information to Equifax.
When you initiate a dispute, clearly identify the disputed item on your report, provide facts and information that prove an error was made, and request deletion or correction.
You should also check your business credit report with other commercial credit bureaus — Dun & Bradstreet and Experian — to see if the errors persist with those bureaus.
