Credit reporting

By August 13, 2019General
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What reporting agencies/credit bureaus does Behalf report to?

Behalf reports your payment history on a monthly basis to the following credit bureaus: Dunn & Bradstreet (Business Credit File), Experian (Business Credit) and Equifax (Business Credit). 

In order to shed some light on why you might not be seeing Behalf data on your report, please note the following:

1. Behalf reports your payment history directly to Dunn & Bradstreet, Experian and Equifax through the Small Business Financial Exchange (SBFE), a third-party data provider to credit bureaus. 

2. Behalf reports to credit bureaus as a financial institution and not as a trade reference. Therefore, Behalf won’t count towards your D&B Paydex score, but it does count towards your Experian Intelliscore Plus

3. We report according to the business name and address you provided when opening your Behalf account. 

With this information in hand, you should contact the credit bureau to ask why you are not seeing your Behalf repayment history on your credit report. 

Here are the contact numbers you’ll need: 

Dun & Bradstreet: 1-866-248-1450
Equifax: 1-800-727-8495
Experian Business: 1-800-303-1640


How many soft credit hits does Behalf conduct?

When a business customer signs up for Behalf, a ‘soft’ inquiry will be made on the business contact or Responsible Party’s personal credit history and is included as a factor in the business’s eligibility for a Behalf Business Account. In addition, we will obtain a business credit report.

When a business requests an extension of purchasing limit, Behalf reserves the right to pull a soft inquiry, as part of the terms and conditions agreed to when signing up with and using Behalf. We will perform periodic soft inquiries into the business contact or Responsible Party’s personal credit history to monitor the business’s eligibility for any terms changes. These periodic credit reports are commonly referred to as ‘account management inquiries’ and do not have an impact on your credit score, as they are soft inquiries.