Experian business credit reports, through a single integration.
CRS is a licensed credit reporting agency recognized by all three major credit bureaus. Pull Experian business credit alongside consumer credit, identity, and public records data.
PRODUCT GLOSSARY
Searching for a specific Experian product?
Experian sells commercial data under a number of product and platform names. Here is what each one refers to.
- Business Premier Profile
- Experian’s most detailed commercial credit report on a business.
- Business Profile Report
- A standard commercial credit report, lighter than Premier.
- Intelliscore
- Experian’s commercial risk score, predicting the likelihood of serious delinquency.
- Financial Stability Risk Rating
- An Experian score addressing the risk of business failure or default.
- BIN
- Business Identification Number, Experian’s unique identifier for a business record.
- BusinessIQ
- An Experian platform for viewing and managing commercial data inside Experian’s own interface.
- Business Information Services
- The Experian division that produces commercial data. Not a single product.
- SmartBusinessReports
- An Experian service aimed at owners reviewing their own business file. See the note at the bottom of this page.
Tell us wich one you need.
Product availability varies by report type and use case. Send us the product name and how you plan to use it. We will confirm what we can provide and what it costs.
WHY CRS
One provider instead of a stack of them.
You can contract each bureau directly, or use a provider built around one narrow use case. Here is how those compare.
CUSTOMER STORY
Easier to start than teams expect.
With CRS it was way easier than I thought it would be. The month-to-month flexibility was huge for our company, and being able to individually select products instead of bundling them all together makes sure we’re only paying for what we actually need.
Kevin Felix
Head of Credit, MARC UW
The business is half the risk.
Most commercial credit decisions come down to the entity and the person behind it. Small and emerging businesses often carry thin commercial files.
Pair the Experian business credit report with a Business Principal Report to evaluate both on one integration.
Business credit report for trade history, public records, and commercial risk scores.
Business Principal Report, focused on the credit history of the individual who controls the business.
State filings covering business registration details.
FICO SBSS, a blended score combining business and owner credit history, where your program requires it.
Business identity verification through LexisNexis InstantID Business, available as an add-on.
WHO PULLS BUSINESS CREDIT
Built for teams extending credit, capital, or terms to businesses.
Commercial lenders
Working capital lines, term loans, and asset-based lending. Evaluate the entity and the guarantor together.
Equipment finance
Confirm business standing and search for existing UCC filings before financing an asset.
Merchant cash advance and RBF
Commercial risk signals on businesses that carry limited traditional credit history.
Factoring companies
Assess the credit quality of the debtors behind the receivables you are buying.
B2B trade credit teams
Set and review credit terms for customers you invoice rather than charge upfront.
Platforms and marketplaces
Onboard business sellers and partners with commercial credit and identity data.
FAQ
Why would we buy through CRS instead of Experian?
One integration covers Experian, Equifax, and TransUnion, plus consumer credit, identity, and public records data.
Do we need to be a credit reporting agency ourselves?
No. CRS is the licensed CRA. Our compliance team guides you through bureau vetting and credentialing.
Do we need developers to pull reports?
No. Reports can be ordered through a secure web portal. An API is available when you are ready to automate.
How long before we can pull our first report?
Most customers go live in roughly two weeks. Bureau vetting is usually the longest step, and we manage it.
What does vetting require?
Requirements vary by product and use case. Our [vetting documents page](https://crscreditapi.com/vetting-documents/) lists what to prepare.
Can we review the owner's credit as well?
Yes. The Business Principal Report focuses on the credit history of the individual who controls the business.
What does it cost?
Pricing depends on the products you need and your expected volume. Tell us both and we will give you real numbers.
Is there a minimum volume?
CRS is built for businesses pulling credit consistently. If your volume is very low, we will tell you honestly.