Login to your member center account and refer to the 800# under contact us portlet. If you are not a current customer you can click on "Contact Us" link above to email our sales team with any questions. Top

We will respond to your email within 24 hours during our normal business hours.Top

Customer Support is available from 8 a.m.- 8 p.m., Monday-Friday ET. Top

You can opt out when registering, by ensuring the tick box "I choose to opt out" is selected. Or, once you are signed in you may go to the "Account Profile" tab and select the "I choose to opt out" tick box there and opt out. Top

Small Business Credit Report and Monitoring Service. Top

These company’s credit reports do not have any financial or non-financial trades in them but do contain at least one public record (i.e. business registration, bankruptcy, judgement, or lien).Top

We display every location that we have on file for a company to help you locate the business that your looking for. Typically if you see several similar names and address with the same number of trades they all point to the same credit bureau report. Top

If you received a promotion code you can enter it on the ‘Review Order’ screen. If you have multiple items in your order please make sure that the promotion eligible product is listed first. Click on the "Apply Promotion Code" button and you should see the amount of the promotion applied immediately. Top

Equifax primarily acquires its information from two primary sources. First, all of its financial information is obtained through an exclusive data sharing agreement with the Small Business Financial Exchange, Inc. (SBFE), a nonprofit organization made up of the largest small business lenders in the US and consists of information on a wide variety of credit products: term loans, lines of credit, credit cards, leases and SBA loans extended by financial institutions (the majority of the financial institutions are banks and equipment leasing companies. Second, Equifax also acquires net – 30 type industry trade credit information from a wide variety of suppliers that provide products and services to businesses on an invoice basis. Equifax combines the financial data with the industry trade credit data along with utility and telephone data and public record information (bankruptcies, judgments and federal / state tax liens) to create an extremely robust, current, and complete commercial credit database (commercial small business credit bureau) in the US. Equifax’s aggregation of SBFE tradeline performance data with public record, firmographics, secretary of state and other data elements have made its Commercial database the de facto standard for doing business with the small business market. One of the first actions that a new small business owners does is open a small business credit card account, contract with a telephone provider, and engage a utility provider for water, electricity, and gas services. Because of Equifax’s data gathering activities in all these key market segments over 99% of the businesses in the Equifax commercial database have credit experiences (information on account activity).Top

Equifax has a invested heavily in its data quality management infrastructure to ensure that all data meets the highest quality standards prior to being uploaded into the database. It deploys a combination of computer automation and manual reviews to ensure that only accurate and relevant information is updated and / or uploaded into its database. Top

Every day we receive and process millions of records to ensure that our reports have the best and most recent information possible. The vast majority of accounts reported to the Equifax Commercial database are updated (refreshed) on a monthly basis with a small number being updated on a quarterly basis. Top

Go to www.equifax.com to get your personal credit bureau. Top

Our member center is available 24 hours a day 7 days a week. However, our small business credit bureau is taken down for maintenance every Sunday morning from Midnight - 7am ET. If you search for a company in our database during those hours you may receive a maintenance error message if we are applying maintenance at that time. If so, please try your search again after 7am ET. Top

You must purchase a product to register for an account. Our six step process takes less than 5 minutes to complete. Top

Go to the small business home page and click on the Member Center link in the top right-hand corner. Enter your User ID and Password you setup during the registration process. Top

Please notify us immediately at customerservice@equifaxsmallbusiness.com. Top

Currently Equifax Small Business offers reports and monitoring services only for companies in the United States.Top

Although they are not prohibited, customers will need a valid U.S. social security number to register for an account.Top

Equifax requires that companies within the financial services industry have a minimum of 500 customers to report to us on a monthly basis. Companies within other industries (non-financial services) must have a minimum of 2,000 customers to report to us on a monthly basis. You can contact our data contribution team by emailing commercialtradereporting@equifax.com. Top

The Small Business Credit Risk Score™ for Financial Services predicts the likelihood of a business incurring greater than 90 days severe delinquency or charge-off on financial services accounts within a 12-month period. This score is built using financial services and trade payment data, providing a higher degree of predictability. The score range is from 101 - 992 and it returns up to four reason codes. Top

Bankruptcy is on file. Once a company files for bankruptcy the Equifax Credit Risk Score will be set to a value of 0. Top

The Equifax Business Failure Score predicts the likelihood of a business failure through either formal or informal bankruptcy within a 12-month period. The Equifax Business Failure Risk Score™ is built using financial services and trade payment data, providing a higher degree of predictability. The score range is from 1,000 - 1,880 and it returns up to four reason codes. Top

A score of 0 indicates a bankruptcy on file. Top

The payment index value is a dollar-weighted indicator of a business's past and current payment performance based on the total number of financial and non-financial payment experiences in the Equifax Commercial database. On the report, there is a chart shown that provides a suggested interpretation of the Payment Index value. Top

Our scores help predict the likelihood of a business going severely delinquent or filing for a bankruptcy within a 12-month period. Top

Log into your member center account and dial the number located in the ‘contact us’ box in the lower right hand corner of the screen. Top

NO. Due to the potential for fraud Equifax does not create credit bureau reports at the request of customers. Top

Reports are only saved in your member center account for 30 days. After that you will need to purchase the report again to view. However, to save a report for longer than 30 days click the 'print' or 'PDF'. Top

We define public records as any business registration from the secretary of state, a bankruptcy filing, a judgment, a suit, or lien. Top

No. Top

Yes. We gather public record data from the Secretary of State and other trusted sources and combine that with a company’s credit and payment performance history to provide complete view of a company’s performance. Top

It is not uncommon for a business credit risk scores to fluctuate slightly over time. Equifax's proprietary model for business credit scores looks at many factors to derive the score, several of which are not displayed on the summary report. Top Factors include, but are not limited to, an increased trend in delinquency, the presence of derogatory public records on the business profile, such as liens, judgments and bankruptcies, an increase in the number of credit inquiries, the number of accounts on file, balances outstanding, payment habits, credit utilization, and related trends over time.Top

When you purchase a subscription to monitor a company Equifax will watch that credit file on daily basis and send an email to alert you if a bankruptcy was filed, an inquiry was made, the company’s credit risk score dropped by 20 points or more, or if certain derogatory information was reported such as a charge-off. When you receive an email you should log into your Equifax Small Business account to view the details. You may also want to pull a new report to get more information. Don’t worry, you get unlimited reports on the company that you’re monitoring as long as you have an active subscription with us. Top

You get unlimited reports on the company that you’re monitoring as long as you have an active subscription with us. Top

Often times you need to put the alert in context. If you haven’t recently pulled a credit bureau on the company you’re monitoring then pulling a new report can provide you with a more complete picture of the company’s credit history. We recommend that you combine this with other information you may already have on the company to gain the most complete understanding of a company’s performance and its ability to follow through on its commitments. Top

This business report contains financial and non-financial information reported by third parties. Equifax has taken great care to report this information correctly. The Business report is designed to capture the complete history of the business including payment performance and public record information. A change of ownership, a change of legal entity type (for example, sole proprietor to LLC), a change of location, an expansion to additional locations, or other common business events do not eliminate historical data regarding the business. Equifax provides a dispute process to address any perceived inaccuracies on the report. The dispute process is not intended to provide the business an opportunity to dispute and request the removal of accurate historical information (positive or negative) about the business. Additionally, only that information contained in the Public Records and Bureau Data sections of the report may be changed as a result of a dispute. However, your business does have the opportunity to provide a statement of explanation that can be added as a comment to another section of the report. The comment may be reviewed and/or used by recipients of a business report to help understand your business' past history. Depending on the nature of the statement, Equifax may require supporting documentation. If you believe there is any inaccuracy with the report’s information, please log into your member center account and Contact Us via one of the options listed there. We will work with you to determine the details of the dispute and supply you with a Research Request form. Once you know the details of your dispute you will need to complete the Research Request Form and send it to us. Upon receipt of the completed Research Request Form, Equifax will forward a request for verification to the reporting entity. After completion of the verification process, Equifax will notify you in writing of the results. Top

This business report contains financial and non-financial information reported by third parties. Equifax has taken great care to report this information correctly. The Business report is designed to capture the complete history of the business including payment performance and public record information. A change of ownership, a change of legal entity type (for example, sole proprietor to LLC), a change of location, an expansion to additional locations, or other common business events do not eliminate historical data regarding the business. Equifax provides a dispute process to address any perceived inaccuracies on the report. The dispute process is not intended to provide the business an opportunity to dispute and request the removal of accurate historical information (positive or negative) about the business. Additionally, only that information contained in the Public Records and Bureau Data sections of the report may be changed as a result of a dispute. However, your business does have the opportunity to provide a statement of explanation that can be added as a comment to another section of the report. The comment may be reviewed and/or used by recipients of a business report to help understand your business' past history. Depending on the nature of the statement, Equifax may require supporting documentation. If you believe there is any inaccuracy with the report's information, please log into your member center account and Contact Us via one of the options listed there. We will work with you to determine the details of the dispute and supply you with a Research Request form. Once you know the details of your dispute you will need to complete the Research Request Form and send it to us. Upon receipt of the completed Research Request Form, Equifax will forward a request for verification to the reporting entity. After completion of the verification process, Equifax will notify you in writing of the results. Top

We will notify in writing of the result of our investigation, typically within 45 - 60 days after receipt of your dispute. Top

Only the business owner or registered corporate officers of the company may dispute a report on their company. If you are not the owner or an officer or the business report in question is not your business then you cannot file a dispute. Top

Any modern computer manufactured in the past 5 years should work just fine with our web site. We also support the latest versions of most internet browsers. We have certified our web site with Internet Explorer 7 , Firefox 3.5, and Safari 4 for windows. Safari testing for Mac is scheduled for summer of 2010. Top

If you selected "save this payment method of payment for future purchases" then your credit card information was saved to your account. Contact customer service if you need to change or update the information. When your credit card expires you will prompted to update the information the next time you log in. Top

Yes. We take every precaution to safeguard your date. Credit card information is encrypted and masked in our systems. Top

Your user ID must be between 8 to 20 characters and is case sensitive. Top

Your password must be 8 or more characters with both UPPER and lower case letters and at least 1 number, with no more than 2 repeating characters. Top

On the log-in page, click the "forgot password" link and follow the instructions online. Still having a problem, please email us at customerservice@equifaxsmallbusiness.com.Top

You may need to change a printer setting to allow printing of background colors. To do this, follow the instructions below based on the type of browser you are using: Firefox v3.5: Go to File -> page setup, select "Print Background (colors and Images)". IE v7: Go to Tools -> Internet options -> Advanced tab, scroll down to the 'Printing' section and select "Print background colors and Images". Safari v4 (for Windows): Go to Settings Menu (icon looks like a gear), click Preferences. Next click the Advanced tab, then click "change settings" next to the Proxies. Click the Advanced tab and scroll down to the 'Printing' section and select "Print background colors and Images". Chrome v5 - Chrome does not support background printing at this time. Top

Click on IE8’s compatibility mode button if pages are not rendered properly. The button is located in the address bar to the right of the URL. Alternatively, you can click on the ‘Tools’ menu and select ‘Compatibility View’. Top

Please contact us immediately at customerservice@equifaxsmallbusiness.com. Top

Log into your member center account and dial the number located in the 'contact us' box in the lower right hand corner of the screen. Top

Log into your member center account and click on the "My Account" tab -> My Profile. You can update your account profile information there. Top

Log into your member center account and click on the "My Account" tab -> My Order History. Top

Equifax understands the importance of keeping your information safe and secure from unauthorized access. All of your data is encrypted before being transmitted to/from our servers. For your security, this site requires the use of a 128 bit SSL compatible browser. Top

We accept MasterCard, VISA, and American Express. Top

Most of the time this issue occurs because the personal address information you supplied on the registration screen did not match to the billing statement information on the credit card you used to purchase the product. To resolve this issue go through the order process again and re-register. This time make sure your personal address exactly matches to the billing information on the credit card that you use to purchase the product. Top