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Envelope To contact us, direct your correspondence using our
Online request form

Or, email us at experianHelpdesk@smartBusinessReports.com

We respond to most inquiries on the same business day during business hours (Eastern Time).

Frequently Asked Questions

+  How do I dispute/change information in my business credit report?
+  Why did my business credit score drop?
It is not uncommon for a business credit score to fluctuate slightly. Experian's proprietary model for business credit scores looks at over 140 modeling variables to derive the Experian Business Credit Score, so there are other factors beyond what is displayed on the business credit report that can cause a score to slightly change or shift.

Factors include, but are not limited to:
  • The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies
  • The status, recent status, frequency and dollar amounts of any applicable liens, judgments, or bankruptcies
  • An increased trend in slow payment of obligations
  • An increase in the number of business credit inquiries or applications that are generated by the business or owner
  • The number of trade experiences, balances outstanding, payment habits, credit utilization, and trends over time
  • Years in business, line of business or Standard Industrial Classification (SIC), size of business and other demographic data

+  I have submitted changes to my business credit report. How soon will my report be updated?
Changes, once loaded by Experian into the Experian business credit file, will have an immediate impact on the business credit report and score. Approved requests for updated business credit information are loaded weekly over the weekends. However, depending on the nature of the request, investigation and approval of the requested update can take up to 30 or 60 days. For example, a simple demographic update to business street address will not take as long to investigate, approve and process as it would to dispute trade credit detail.

+  I've recently been denied credit. Can I get a copy of my business report?
+  I have questions regarding my Experian personal credit report. Can you help?
Our small business website does not provide access to Experian's personal credit information.

You can call Experian's National Consumer Assistance Center at 888.397.3742 for questions regarding your personal account.

To learn more about Experian's personal credit division, please go to Experian's website at www.experian.com. Select the 'Consumer' link found on the top of the home page and follow the prompts.

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