Overview
Equifax, the consumer credit bureau, also maintains commercial data on US businesses; its small-business page states that it provides insight on 76 million US-based businesses[13]. Its business products for lenders and creditors include Business Credit Reports with company profiles, liabilities, public records and risk indicators, Business Risk Scores that predict delinquency and assess stability, a Credit History Report, and OneScore for Commercial, a delinquency score that uses alternative data to assess small-business risk[12][13].
Unlike D&B and Experian, Equifax does not sell its business report to owners directly from its own checkout. Its small-business page routes buyers to two approved resellers: eCredable, which sells the Business Credit Industry Report Plus 2.0 as a one-time download, and Nav, which sells monthly monitoring through its Nav Prime plans[12]. The report covers background and performance information, an indication of credit quality and capacity to pay, and summaries of borrowing history and public records[12]. The Equifax pages reviewed name the scores in the report but do not publish their numeric ranges, which makes Equifax’s scores harder for a reader to interpret than D&B’s or Experian’s without the report’s own guide. Equifax also operates commercial networks including the Commercial Financial Network for lender-reported data.
Equifax Commercial features
- Commercial data on 76 million US businesses (vendor-stated)
- Business Credit Industry Report Plus 2.0 via eCredable
- Monthly monitoring via Nav
- OneScore for Commercial delinquency score using alternative data
- Business Risk Scores for delinquency and stability
Equifax Commercial pricing
One-time report US$49.99 through eCredable; monthly monitoring from US$39.99 per month through Nav. Lender and enterprise products are quote-based.
Equifax Commercial strengths and limitations
Strengths
- Cheapest one-time US bureau report among those reviewed
- Strong lender orientation through financial-network data
- Includes alternative-data scoring for thin-file small firms
Limitations
- No direct sale to owners on Equifax's own site; purchase is through resellers
- Score ranges not published on the small-business product pages
- Few pricing details for creditor and enterprise products
Appears in
Equifax Commercial alternatives and competitors
Alternatives to Equifax Commercial: companies ranked in the same lists.
Dun & Bradstreet
Experian Business
Creditsafe- Moody’s Orbis (formerly Bureau van Dijk)
Creditreform- Coface Business Information
Altares
CreditorWatch
CreditRiskMonitor
Global Database
Business Credit Reports
Nav
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