Business credit reporting
Let your on-time payment history build your business credit file with Experian.
What credit reporting does for you
Most small businesses pay their bills on time and get zero credit for it – literally. Business credit bureaus only know about you if someone reports. With Credit Reporting, Electronic Payments can furnish your payment history as a business tradeline to Experian, so the on-time record you're already building becomes part of your business credit file.
A stronger business credit file matters when you want a loan, a lease, better supplier terms, or a business credit card – lenders check Experian's business reports, and a reported, on-time tradeline is exactly what they want to see.
This is opt-in and owner-only: only the account owner can enroll, and nothing is reported until you say so.
Enrolling
- 1Open Credit Reporting from the menu (you must be signed in as the account owner).
- 2Review what will be reported – your business tradeline with Electronic Payments, including payment status.
- 3Optionally, also report the personal guarantor's history. This requires the guarantor's named consent, captured right on the page.
- 4Enroll. Your standing card then shows how you're being reported – on time, or past due with the amount.
The standing card is the same story Experian sees. If it says on-time, that's what your credit file is building. If it shows past due, clearing the balance updates the next report.
Disputes (your FCRA rights)
If you believe something reported about your business (or the guarantor) is inaccurate, file a dispute right from the same page. Each dispute is tracked with a status – open, investigating, then resolved as corrected, verified, updated, or deleted – and a due date, because credit-reporting disputes run on a legal clock (the Fair Credit Reporting Act).
You'll see your ten most recent disputes with their outcomes, so there's a clean record of anything you've challenged and how it ended.