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Business credit rating is a rating of a particular corporation or a small business company. The business credit score can be and should be separate from your personal credit score. When these two scores are separate, your personal and business financial risks are separate as well.

Tree major credit bureaus (Experian, Equifax and TransUnion) track personal credit histories. They also have small business divisions that are aimed for tracking business credit histories. Another well-known business credit reporting agency is Dun & Bradstreet® (D&B®).

Business credit bureaus use companies Employer Identification Number (EIN) to accurately report the business credit histories. For personal credit reporting a Social Security Number is used. Business credit history, as well as personal credit history, is based on payment history, total amount of credit and revenue. But business credit rating is also determined by information gathered from a business’s vendors, suppliers, and other trade accounts.