How can we help?

Articles

Frequently asked questions

Do I need to give you my Social Security number?

No. We build your file against your business identity — your EIN — and we do not collect a Social Security number at signup. That is the whole point of the product.

What is business credit, and how is it different from personal credit?

Business credit is a file held against your business entity rather than against you as an individual. Commercial bureaus score it on different scales and weight supplier payment history heavily. A strong business file lets a company borrow and buy on terms without leaning on the owner’s personal score.

How long does it take to build a business credit file?

It depends on your activity, not on us. A file typically appears once a few suppliers or lenders report activity against your business — often a few months after your first reporting trade account. We cannot promise a timeline or a score.

Which bureaus do you report to?

Your plan determines your bureau coverage. Foundation includes one bureau of your choice; Growth and Premier include more. The bureaus currently available are listed on the pricing page and in your dashboard.

Do you report my payments to the bureaus?

Only where we have been approved as a data furnisher by that specific bureau. Furnisher approval is a separate application and credentialing process for each bureau, and we do not claim reporting we have not been approved for. Any bureau not yet approved is shown as roadmap.

Why does my report say “no file”?

It means that bureau has no record of your business yet — which is normal for a newer company. It is not an error. The credit checklist in your dashboard walks through the steps that cause a file to be established.

Can you guarantee my score will go up?

No, and you should be sceptical of anyone who does. Scores are set by each bureau from your business’s actual activity. We give you the data, the tracking, and the checklist; the payment behaviour is yours.

How do I change or cancel my plan?

From Subscriptions & Billing in your dashboard. Upgrades apply immediately with a prorated charge; downgrades take effect at the start of your next billing cycle. Cancelling stops the renewal and you keep access until the period ends.

What happens if a payment fails?

We retry automatically over several days and email you. Your access continues during that grace window. If every retry fails the subscription cancels and the account returns to the free tier — your data stays put.

Something on my report is wrong. What can I do?

Open a dispute from the report or tradeline in question. We record the dispute, track the investigation, and log the outcome. You also have the right to dispute directly with the bureau.

I cannot get into my account.

Use the password reset link on the login page. If the email never arrives, check spam, then contact support and we will help you recover access.

How do you protect my EIN?

Your EIN is encrypted at rest with a per-record key, is never written to logs or error traces, and is only ever displayed to you. Every access is recorded in an audit trail.