Equifax Business: The Third File

Equifax maintains its own commercial credit file on your business, scored through products like the Business Credit Risk Score (101-992) and the Business Failure Score (1,000-1,610). Small-business lenders and some banks lean on Equifax more than D&B.

Why it matters

A business can have a strong Paydex and a thin Equifax file at the same time - because different vendors report to different bureaus. Funding applications die quietly on the file you forgot to build.

Key facts

• Equifax business scores use different scales than D&B Paydex (1-100) or Intelliscore (1-100) - a 'good' number is bureau-specific.
• Bank and leasing data flows heavily into Equifax; many tier-1 vendor accounts report there first.
• Equifax also sells combined reports blending the owner's personal credit with the business file - common in small-business underwriting.
• You can dispute errors on an Equifax business file, but the process is less standardized than the FCRA personal dispute process.

In practice

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