Why do some of my business credit lenders and suppliers not appear on my business credit report?

Experian collects credit obligation information from thousands of business suppliers and lenders nationwide. Experian only reports trade relationships provided to us by these third-party suppliers and lenders (Experian's data contributors) to ensure the integrity of our business credit database.

Experian relies upon these data contributors to provide small business payment account information, known as trade credit transactions, to Experian's business credit database. However, not every company contributes to the Experian business credit database.

The key to building a business credit report and score, particularly for small businesses just starting out, is to find companies that will establish credit for your business and then report the company's payment experience to the business credit bureaus, such as Experian.

To encourage your existing business credit issuer or supplier to report your payment experiences, Experian has made it easy for you to write or email your supplier. Simply click here to visit the page and download our template containing a letter of request.