Experian Intelliscore Plus

Intelliscore Plus is Experian's business credit score, ranging 1 to 100, built from your business's trade payment history with suppliers and lenders who report to Experian's commercial bureau. Higher is lower risk; 76+ is generally considered low risk.

Why it matters

D&B is not the only game. Lenders and vendors pull Experian Business and Equifax Business too - and each bureau builds its file from different reporters, so your three business scores can diverge sharply.

Key facts

• Intelliscore weighs payment history, credit utilization, company size and age, and public records.
• Experian business reports start around $39-$49 directly from Experian; monitoring subscriptions cost more.
• Unlike personal credit, anyone can pull your business report - there is no permissible-purpose requirement.
• Business scores have no FCRA-style 7-year clock; negative items follow bureau-specific retention rules instead.

In practice

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