Business Credit Scores & Reporting – CreditStrong Support Center

Overview

All CreditStrong Business Credit Builder accounts include access to a monthly Equifax Business Delinquency Financial Score. This score helps you monitor how your business credit profile is developing over time.

Your CreditStrong Business account is reported as a financial tradeline. Financial tradelines are typically not reported to Dun & Bradstreet. D&B focuses primarily on vendor tradelines, which are accounts extended by suppliers or service providers. Their PAYDEX® score is based on payment performance with those types of accounts.

What Is the Equifax Business Delinquency Financial Score?

The Equifax Business Delinquency Financial Score ranges from 101 to 650. Higher scores indicate lower risk.

This score is designed to predict the likelihood of severe delinquency on financial accounts, such as business loans or lines of credit.

Score Range	Risk Class	Risk Description	Bad Rate
585 - 650	1	Low	0.57%
554 - 584	2	Low to Moderate	0.98%
465 - 553	3	Moderate	3.93%
299 - 464	4	Moderate to High	21.2%
101 - 298	5	High	75.3%

If your business has declared bankruptcy, the score may show as “0.” If there isn’t enough information to generate a score, it may appear as “null.”

Where We Report Your Business Credit

CreditStrong reports Business Credit Builder accounts to the following business credit agencies:

Equifax Business

In addition to personal credit reporting, Equifax is a major provider of business credit data. Your CreditStrong account is reported using the Equifax Business Delinquency Financial Score, which reflects both your business and principal credit information.

PayNet

PayNet is a financial tradeline-focused bureau used primarily by lenders and leasing institutions. It was acquired by Equifax in 2019 but still operates independently. The main scoring model is the PayNet MasterScore, which ranges from 500 to 800. If your business has no credit history with PayNet, your score may show as “null.”

Experian Business

Experian provides business credit reports similar to personal credit reports, focusing on a company’s payment history and financial obligations.

Small Business Financial Exchange (SBFE)

SBFE is a data exchange, not a traditional bureau, which shares business credit data between lenders. Only financial institutions and other credit originators can access SBFE data through certified vendors.

When We Report

We report account activity monthly, typically during the first calendar week of each month. Your account will be reported for the first time after your first successful loan payment is made.

Example: If your account opens on March 15 and your first payment is due April 15, your account will be reported during the first week of May.

Viewing Your Score in the Customer Portal

Your Equifax Business Delinquency Financial Score is updated monthly and can be viewed in your customer portal.

If you do not see a score after several months, your business may not yet have enough activity to generate one. In many cases, it takes 3 to 6 months of consistent on‑time payments to establish a score, though this can vary.

Why You Might Not See Your Account on a Report

CreditStrong reports business accounts under the name Austin Capital Bank. It’s normal for there to be a delay between when we submit reporting and when a bureau displays the account.

Common reasons your account may not appear include:

Business name, address, or owner details do not match bureau records
A business credit file has not yet been created
The bureau has not completed processing the update

We recommend ensuring your information matches across:

Your CreditStrong account
Secretary of State records
The credit bureau’s records

Verifying Your Account with Equifax Business

If enough time has passed and your information is correct, you can contact Equifax Business to request a manual account verification. This is not a dispute, it is a request for Equifax to locate and confirm the account.

Tip: When contacting Equifax, be sure to mention you are looking for a Financial Tradeline, not a Vendor Tradeline.

To help Equifax locate your account, be ready to provide:

The full business name used on your CreditStrong account
The business account number
The reporting address on file (this may differ from your operating address)

Proof of Reporting

While we cannot share consumer or bureau‑owned credit data, we can request a confirmation screenshot from Equifax Business showing that your account has been reported.

Please note:

This confirms that CreditStrong submitted reporting
It does not guarantee that the bureau has added the account to your credit file

If an account is missing, you may still need to follow up directly with the bureau.

Still Not Seeing Your Account?

If you have:

Verified your business information
Allowed sufficient reporting time
Contacted Equifax Business

…and still do not see your account, you may file a dispute directly with the bureau.

If you’re unsure what step to take next, our Support Team is always available to help you understand your options and make the most of your CreditStrong Business Credit Builder account.

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