California Business Credit Resources

A small business credit score is vital for separating your personal and business financial risk. As a forward-thinking small business owner in California, you know that credit affects your ability to obtain capital to develop your small business. Your business credit report can influence:

  • The amount of your loan and what interest rates you'll pay
  • Your business insurance premiums
  • Whether suppliers will extend credit terms

Check your business credit with Experian.com for an up-to-date report today.

How is your business credit score determined in California?

Your Experian credit score is calculated by a statistically derived algorithm, designed to determine risk based on your credit (payment habits, outstanding balances, credit used, etc.), public records (frequency and dollar amounts of liens, judgments, or bankruptcies), and demographic information (years on file, business size, and standard industrial classification. Learn more how business credit scores are calculated.

What can hurt your business credit score?

Circumstances that can lower your business credit score include, but are not limited to:

  • Current collections, liens, judgments, bankruptcies or other derogatory public records on your business profile
  • The status, frequency and dollar amounts of any applicable liens, judgments or bankruptcies
  • An increased trend in slow payment of obligations
  • An increase in the number of business credit inquiries or applications that are generated by the business or the owner
  • The number of trade experiences, balances outstanding, payment habits, credit utilization and trends over time
  • Years in business, line of business or Standard Industrial Classification (SIC) code, size of business and other demographic data

How to correct your business credit in California?

To correct your business credit report, please follow these business credit scores instructions to update your business credit report.

Experian provides business credit reports for businesses across the California; including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, etc.

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