Find the Answers You Need

Whether you’re trying to improve your credit score, report bills to the credit bureaus or just need quick account support, this is the place. Explore our most frequently asked questions about personal credit, business credit and managing your eCredable account.

What is eCredable Lift?

eCredable Lift helps you get credit for your rent, phone, and utility payments so you can take control of your credit, whether you are looking to establish credit, build credit, or even rebuild your credit. When you link your eligible payments, we’ll report a positive payment history to TransUnion, which can help raise your credit score!

How does eCredable Lift work?

Link the bank or credit card account you use to pay your rent, phone, and utilities. Then select which account type you would like to report from the list of gas, water, power, cell. After selecting the account type, you must select the payment associated with the account type. We verify the payment you select matches the account type that you selected.

For rent, start by uploading your lease. We verify the information on your lease with the information in your profile. We also verify the payment matches the payment due in your lease. There’s usually no need for us to contact your landlord.

How do I cancel my eCredable Lift subscription?

At eCredable, we make it as easy to cancel as it is to sign up. You can cancel your eCredable Lift subscription at any time through your account dashboard. Please follow these steps:
1. Log in to your eCredable account [click here].
2. On your dashboard, click "Subscription."
3. Click "Cancel Subscription" and confirm your cancellation.

By canceling your subscription:
- We will no longer report your Rent, Phone and Utility Payments to TransUnion. You will no longer receive the benefit of these additional positive payments on your credit score.
- We will close all of your accounts at eCredable in your TransUnion credit file. This will likely result in your credit score going down.

If you choose to cancel despite the valuable benefits of eCredable Lift, please follow the steps above. However, if there’s anything we can do to improve your experience or address your concerns, please don’t hesitate to reach out. We’re here to help.

Is there a minimum amount of payment history required before it can be reported to TransUnion?

No. You can start reporting your payment history from the very first month you open a new account, or you can report up to 24 months of payment history for an existing account.

Is eCredable Lift secure?

Absolutely. Your data security is our top priority. We use bank-level SSL encryption to protect your information anytime you are logged into your eCredable account. This includes when you connect your bank account or credit card to your eCredable Lift subscription.

Which types of payments qualify for eCredable Lift?

eCredable Lift reports the following accounts to TransUnion:
-Rent
-Call Phone
-Electricity
-Water-Gas

What types of utility payments qualify?

eCredable Lift supports payments for phone, electricity, gas, and water companies.

What if I’m having trouble connecting to my bank or credit card for eCredable Lift?

If you’re having issues linking your bank, double-check your login credentials by logging directly into your bank’s website. Then, ensure your contact information in the bank matches your profile in eCredable. If the issue persists, try following the on-screen prompts, as your bank may not be supported yet.

What if my bank or credit card isn’t listed?

If you can’t find your bank or credit card provider, select the "Can't find your bank?" link and follow the instructions. We’re continually working to support additional financial institutions.

What if the name on the account I’m linking doesn’t match my eCredable account?

To ensure security, the name on your bank account or credit card must match the name on your eCredable profile.

Can eCredable Lift help if I have no credit history or a credit score?

eCredable Lift was built to help you! Even if you don’t have a credit file or credit score from TransUnion, signing up for eCredable Lift will help you get started.

Why did my phone or utility account automatically close?

Your phone or utility account will automatically close if we cannot report a phone or utility payment to TransUnion for 90 consecutive days. As long as your bank account remains connected, we’ll continue checking for eligible payments monthly. If we cannot locate a recent payment, we’ll notify you by email and ask you to log in to select your latest payment.

Does eCredable report to all three credit bureaus?

eCredable currently reports rent, phone, and utility payments to TransUnion.

How do my phone and utility payments appear on my TransUnion credit report?

Your accounts will display as an Open Utility and Telecommunications account. You can identify an account by the following:
ECREDABLE.COM, LLC [Account Number****]
Original Creditor: <Phone or Utility Company Name>

Why are there new accounts for phone and utility accounts reporting on my TransUnion credit report?

Each eligible phone or utility payment reported through eCredable Lift counts as a separate account for that phone or utility company on your TransUnion credit report. We will attempt to report as much payment history as possible per account, up to 24 months. Everyone’s credit profile is unique. Other factors outside of eCredable Lift may also affect your credit profile and/or credit scores.

When will my phone and utility payments be reported?

Once we find and verify your payments in your payment account, we’ll report them to TransUnion as a separate account for that phone or utility company within 2-4 weeks. We’ll continue looking for payments in your payment account and automatically report your payments monthly.

Why can't I pick certain phone and utility payments from my payment account to report?

Occasionally, some payments may appear “grayed out” and unavailable for phone and utility reporting. This could happen if a payment:
-Has already been reported
-Is pending reporting
-Is still in the process of verification
-Could not be verified
-Is not an eligible transaction type for phone or utility reporting

Can you report past phone or utility payments for me?

Yes. We will attempt to report as much payment history as possible per account, up to 24 months. Past payments must be found in the payment source(s) you link to eCredable to be eligible.

Why was my payment denied for phone and utility reporting?

eCredable is obligated to verify we're reporting information on your credit report that is accurate per the credit bureau's reporting requirements. This means we need to verify your identity, address, service provider, and payment details. If we are not able to confirm these details, we may not be able to report your payments to any credit bureaus.

How much does eCredable Lift cost?

The eCredable Lift subscription costs $9.95 per month. This includes the ability to report up to 24 months of payment history for rent and eligible utility accounts. The payment must be verified by accessing payments in your Payment Source, such as your bank or credit card account.

How do I stop reporting phone and utility accounts using eCredable?

1. Log in to eCredable
2. Select the account you wish to close.
3. Click the Account Details menu. 
4. Click Mark as closed.
5. Follow the steps to finish closing the account.

We will no longer report this account to TransUnion. Instead, we will report the account as closed and in good standing. Once your account is reported as closed, it cannot be reversed.

Which types of rental accounts qualify?

Payments made from your linked Payment Source, such as a bank or credit card account, are eligible. The payment amount must match the amount due specified in your lease. The payee must match the name of the landlord in your lease. Rent payments made with cash, money order, personal check, or through person-to-person apps like PayPal or Venmo are not eligible.

Why did my rent account automatically close?

Your rent account will automatically close if we cannot report a payment to TransUnion for 90 consecutive days. As long as your bank account remains connected, we’ll continue checking for eligible payments monthly. If we cannot locate a recent payment, we’ll notify you by email and prompt you to log in to select your latest payment. To keep your account active, ensure your payment is selected each month to avoid automatic closure due to 90 days of non-reporting.

How does my rent appear on my TransUnion credit report?

Your rent will be displayed as a rent account. You can identify an account by the following:

ECREDABLE.COM, LLC [Account Number****]
Original Creditor: <Landlord or Property Management Company>

Why is there a new account for rent account reporting on my TransUnion credit report?

Since TransUnion only allows one Rental Account to be included in your credit file, this can only happen when you choose to add a Rental Account to your TransUnion credit file using eCredable Lift, or your landlord starting reporting your Rental Account.

Why does eCredable need to verify my payment manually?

We may need to verify your payment manually when: 
-You first sign up for rent reporting
-Your landlord or property management company changes
-You move to a new address
-The source of your rental payment changes
-We have other questions about your transaction details

Once our team has the necessary information, it typically takes up to three business days to review a payment.

Can you report past rent payments for me?

We can report up to 24 months of prior payment for the address associated with your lease. We are unable to report rental payment history from previous addresses.

How do I stop reporting rent payments through eCredable?

1. Log in to eCredable
2. Select your rent account.
3. Click the Account Details menu.  
4. Click Mark as closed.
5. Follow the steps to finish closing the account.

We will no longer report your rental account to TransUnion. We will report the rental account as closed and in good standing. Once your account is reported closed, it cannot be reversed.

Is my bank login information stored by eCredable, or by Plaid?

No, neither your login credentials nor your transactions are stored by eCredable. They remainat the bank (or credit card issuer) and can only be accessed when we are connected to thebank (or credit card issuer) via Plaid, and with your express permission.

How does eCredable work with Plaid?

When you initially link your bank (or credit card) account via Plaid, you authenticate your login credentials directly with your bank. eCredable never sees your login credentials. Your bank issues a security token to Plaid to ensure only you are granting access to your bank transactions.

This security token grants permission to Plaid to securely access your payment source without requiring you to login. This ensures your credentials remain private, while still allowing eCredable to retrieve the payments you have authorized for rent and utility reporting.

How do I link my accounts so I can add them to my credit file atTransUnion?

Follow these steps to link your phone and utility accounts to eCredable:

Step one: Link Bank Account
1. Select “Link Payment Source"
2. eCredable uses Plaid to securely link your payment account - click "Continue"
3. Select the Financial Institution that you bank with - the one you use to make your payments (this can even be a credit card account at your bank)
4. Complete the on-screen prompts

‍Step two: Link Phone and Utility Accounts
1. Select the account you want to link - choose any or all of power, gas, water, or cell phone
2. Select the name of your phone or utility provider from the dropdown list
3. From your payment source, select a payment that you made to your provider

‍Step three: Report
Leave this to eCredable! Your accounts will automatically be reported to TransUnion at the beginning of the next month, and every month going forward.

What is eCredable Business Lift?

The companies you do business with are not obligated to report your payment activity to business credit bureaus, which means you may not be building business credit with all the payments you make every month.

This tool empowers you to include additional eligible accounts in your business credit files to help you build stronger financial profiles, which in turn impacts your business scores. Better business credit scores increases your approval odds when you apply for certain types ofbusiness funding.

How does eCredable Business Lift work?

eCredable Business Lift empowers you to add four different types accounts to your business credit files. You can report up to 24 months of payment history – the more history you report the bigger the impact on your business credit scores.
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1. eCredable Business Lift Subscription – Your monthly subscription is reported to D&B, Equifax and Experian. This provides you with an additional NET 30 account in your business credit files and may also help you create an initial file if you are a new business.
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2. Business Credit Cards – Not all business credit cards report to all business credit bureaus. Linking your business credit cards to eCredable Business Lift allows us to report these accounts to D&B.

3. Vendor Invoices – There are thousands of vendor who do not report your payment activity to business credit bureaus. You can upload a business invoice that we will verify and report to D&B on your behalf.

4. Business Utilities – If you operate your business out of a commercial building, your business utilities (gas, water, power) are eligible to be reported to Equifax.

Who does eCredable report to?

1. Dun & Bradstreet – In addition to your monthly subscription, you can report your business credit cards and vendorinvoices.

2. Equifax – In addition to your monthly subscription, you can report your business utilities. These must be titled inthe name of your business, which excludes utilities from home operated businesses.

3. Experian – Your monthly subscription is reported to Experian

When does eCredable report?

eCredable Business Lift accounts are reported to participating business credit bureaus the first week of the month.

How do I cancel my account?

You can cancel your eCredable Business Lift subscription at any time. We do not issue partial refunds. Please follow these steps to cancel:

1. Login to your eCredable Business Lift Account (click here)
2. From the left nav in your Dashboard, select Subscription
3. Click “Cancel Subscription” and confirm your cancellation

Upon cancellation, the following will happen:
a) All the accounts you have linked will be set to Closed
b) At the next reporting cycle (first week of the next month), we will report your Closed accounts to participating credit bureaus
c) Your accounts be listed as Closed on your business credit reports
d) Your business scores may decline

If there's anything we can do to improve your experience or address your concerns, please don't hesitate to let us know. We're here to help.

How do I contact eCredable Care?

We offer 24/7 online support via Eva (eCredable Virtual Assistant), online tickets, LiveChat and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit and much more. eCredable Care team members are real, friendly humans. We love answering questions, solving problems and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently:

We can instantly view your profile, account activity, system details and other information so we can effectively answer your questions.
We frequently ask you to send us screenshots, videos and links to help us see what you’re seeing. We can also send you screenshots and videos to guide you in the right direction.
It's faster. We can quickly get to the bottom of your questions without putting you on hold.
Security is our #1 priority. We can immediately verify your identity and online support keeps detailed records in one place. This ensures nothing gets lost in translation if we need to escalate your issue. We'll always have access to previous tickets so you won't have to repeat questions.

If you need help, please use the following options.

1. EVA, eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site
2. eCredable Care Ticket - agents monitor tickets 24/7 and reply within 24-48 business hours. This can be found here
3. eCredable Care LiveChat - agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable
4. eCredable Care Help Center - this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit and more here

eCredable phone number: 804-375-1099

How much does eCredable Business cost?

To see the eCredable Business products pricing page, go here!

When will my account report?

eCredable reports your accounts to participating business credit bureaus the first week of the month

How is business credit used?

Business credit is used to assess risk across multiple parts of a small business’s financial life. It influences lending, insurance, leasing, vendor terms, and even partnership decisions.

Business credit affects:
- Cost of capitalAccess to growth opportunities
- Cash‑flow flexibility
- Vendor relationships
- Insurance costs
- Leasing and expansion

The younger your business is, the more likely the lender is going to rely on your personal credit and not value your business credit as much. The older your business becomes, the more likely the lender is going to value your business credit. The sooner your build business credit, the sooner you’ll be able to avoid relying solely on your personal credit.

What if my utility account/business service provider is not listed?

There are two different situations to consider:

1. Invoice reporting – When you upload an invoice, we verify the contents of the invoice, the vendor, and the amount paid. Since we verify each vendor, you may not see your vendor. But by simply uploading your invoice, we’ll verify the business to ensure you can report this invoice. The verification process may take a few days, so please be patient.

2. Utility reporting – If you are linking your utility account to report to Equifax, it’s very unlikely that the utility company will not be selectable from our list of verified providers. If you experience this situation, you have the opportunity request that we verify and add your utility provider.

Does eCredable provide business credit scores?

eCredable Business Lift includes your Failure Score and Delinquency Score from D&B.
eCredable Business Lift+ includes your PAYDEX Score from D&B.

When your purchase your Equifax Business Credit Industry Report 2.0 from eCredable, it includes your Failure Score, Delinquency Score, and your OneScore for Commercial.

Is eCredable secure?

All your personal information is protected in a secure database using multi-layer security and data encryption. When you link your account to your eCredable Small Business profile, you are providing us with read-only access. Read-only Access means eCredable has no ability to change any information on your bank, credit card, or service provider’s website. For utility accounts, your Username, Password and Account Number are encrypted and protected by multiple layers of security during storage and are always transmitted using 256-bit SSL encryption.

How does eCredable impact my credit?

Business credit profiles are made up of firmographic information and account payment histories. This information is used in the calculation of various business scores, which are used by lenders and suppliers. The presence of complete and accurate information is essential to building stronger profiles and business scores. Many vendor and suppliers do not report to business credit bureaus. eCredable empowers you to add accounts you are already making payments to, but that go unreported.

What types of accounts can I report?

Most non-financial accounts can be reported. The only financial account we can report on your behalf are Business Credit Cards which can be reported to D&B. The following account types are NOT ELIGIBLE to be reported:

Accounts not titled in the name of the business
Personal accounts including utility accounts if you operate your business from your home
Accounts from companies which cannot be verified through our verification process
Accounts which are not paid at least quarterly
Closed accounts or accounts with no payments in the prior 24 months
Business credit counseling services
International accounts

Why doesn't eCredable ask for my DUNS number?

D&B prefers to use the information we report to them to match to their existing files. If the information you provide to us is inaccurate or doesn’t precisely match the information for your business which is already on file at D&B, it may not be added to your file.

How does business comparison and benchmarking work, and where does the data come from?

Benchmarking is a process where you measure your company's success against similar companies to assess the performance gap that can be closed by improving your performance. Studying other companies can illuminate what you need to focus on to enhance your company’s efficiency and profitability to become more competitive.

The data that powers benchmarking in Business Lift+ comes from the tax return data of over 30 million anonymized businesses in the United States. Your firmographic information is used to help compare the tax data of your business so that the metrics you see represent benchmarks to similar businesses.

Firmographic data is information that can be used to categorize organizations, such as geographic area, number of customers, type of organization (by NAICS code), industry, number of employees and so on.

Designations such as public or private corporations, non-profits or charitable organizations, are important and relevant data. Data such as name, address, or CEO are not part of the firmographic description of a company.Benchmarking data is based on the most recently available business tax returns from the IRS

How should I interpret the data presented in eCredable Business Lift Insights?

The 7 metrics and financial ratios included with eCredable Business Lift Insights are industry standard ratios. Your CPA or Banker can help you better understand how to use this information. The reason why Cash Flow is included is to reflect all your payment accounts across different financial relationships. You can also refer to this brief video which provides examples of how each ratio is calculated.

I need help with eCredable Business Lift Insights, who should I contact?

For issues related to using eCredable Business Lift Insights, please contact eCredable Care through our Help Center.

https://ecredablebusinesscare.zendesk.com/hc/en-us

Can I export this information from Business Lift Insights?

No, unfortunately we do not have this functionality at this time. We routinely improve the capabilities of the product, so stay tuned for updates.

How does eCredable protect my information?

eCredable protects your information using industry‑standard security practices, including 256‑bit encryption for all data in transit. Your data is stored securely in AWS, which provides world‑class physical and network protections. We limit access to customer information to only the systems and team members who need it to support your account. We continuously monitor our environment and follow strict security controls to keep your information safe.

How often does eCredable Business Lift Insights update my data?

eCredable Business Lift Insights looks for updated accounting package transactions once a day. If new transactions are present, all your data will be re-analyzed. Depending upon the number of transactions in your accounting package, this can take as little as a few minutes to several hours.

My numbers don't look right, what should I do?

It’s possible that the synchronization process was interrupted due to communication error. Try resyncing your accounting package data to see if this eliminates the issue. If you are still having issues, contact us through our Help Center.

What does my cash number represent? How is it calculated?

The historical cash number is derived from the bank account balances we see in your accounting package along with any transactions in the past. Forecasted cash is a combination of the cash balances we see along with our recurring forecast and events that you may have added. High and low projections of cash indicate the variation that may have been implied by your accounting data's transactions.

What if my account is already being reported by my service provider?

There may be instances where your service provider is already reporting your payment history to one or more of the business credit bureaus. In this case, the information provided by eCredable will not be used by the business credit bureau that is already receiving this information

Is linking my account to my eCredable Profile safe and secure?

Why does eCredable need my login information?

The only time we need your login information is when you link a business utility account to be reported to Equifax. This allows us to initially retrieve your payment history from your service provider and continue to do so monthly with asking you to login again. Access is read-only and is limited to downloading your payment history.

How many business accounts can be linked?

You can link an unlimited number of eligible accounts titled in the name of your business. This includes gas, water, and powera ccounts.

How many months of payment history can be downloaded?

eCredable will attempt to download up to 24 months of payment history. Not all service providers retain 24 months of history.

Who is authorized to link accounts?

Your business name must be on the account, and you must contractually be responsible for payment.

What is a linked account?

eCredable uses the term “linked account” to represent the process of linking an external account to your eCredable Profile by providing your login credentials. Linked accounts are limited to bank accounts, business credit card accounts, and utilities titled in the name of the business which include gas, water, and power.

Do I Have to Link Accounts to Have My Subscription Reported?

You are not required to link your subscription – we automatically report this every month on your behalf. Your subscription isreported to D&B, Equifax, and Experian business credit bureaus the first week of every month.

Which Business Credit Bureaus does eCredable report to?

We report your subscription to D&B, Equifax, and Experian. We report your business credit cards and invoices to D&B. We report your payment histories for linked utilities to Equifax.

How can eCredable help me build a business credit score?

eCredable Business Lift empowers you to add four different types accounts to your business credit files. You can report up to 24 months of payment history – the more history you report the bigger the impact on your business credit scores.

1. eCredable Business Lift Subscription – Your monthly subscription is reported to D&B, Equifax and Experian. This provides you with an additional NET 30 account in your business credit files and may also help you create an initial file if you are a new business.

2. Business Credit Cards – Not all business credit cards report to all business credit bureaus. Linking your business credit cards to eCredable Business Lift allows us to report these accounts to D&B.

3. Vendor Invoices – There are thousands of vendor who do not report your payment activity to business credit bureaus. You can upload a business invoice that we will verify and report to D&B on your behalf.

4. Business Utilities – If you operate your business out of a commercial building, your business utilities (gas, water, power) are eligible to be reported to Equifax.

How do I start building a business credit score?

Start by using eCredable Business Lift to report the business bills you are already paying every month. Bills like business utilities (if you work out of a commercial facility), business services (like accounting), business credit cards, and your eCredable Business Lift subscription (which is automatically reported on your behalf).

What kind of information is contained in a business credit file?

Information such as how long you have been in business, how many locations you have, who the principals of the company are, your revenues, how many employees you have, the industry you operate in and other similar information is contained in your business credit files. In addition, how you pay your “trade credit” accounts are also reported by your trade partners. Reporting to a business credit bureau is optional, so you can’t always be sure that any or all of your trade partners will report your business credit information.

How is business credit different than personal credit?

Business credit and personal credit serve similar purposes — they both measure how reliably someone handles financial obligations — but they operate in completely different and separate systems. Personal credit is tied to an individual’s Social Security number and reflects their personal financial behavior: credit cards, auto loans, mortgages, payment history, and utilization. Business credit, on the other hand, is tied to an EIN and evaluates the financial stability and payment behavior of the business itself. It uses different scoring models, different bureaus, and different data sources, and it can grow independently of the owner’s personal credit once the business is properly established.

The impact is also very different. Personal credit affects an individual’s ability to borrow, rent, or secure favorable rates. Business credit affects a company’s ability to get financing, negotiate vendor terms, secure insurance, lease commercial space, and build credibility with partners. Strong business credit reduces reliance on personal guarantees, lowers the cost of capital, and helps a business scale — while keeping the owner’s personal credit protected and separate.

Why is business credit important?

Business credit is important because it gives your company its own financial identity — separate from you as the owner. With a strong business credit profile, lenders, insurers, and vendors can evaluate your company based on its performance, not your personal credit history. This separation protects your personal finances, reduces the need for personal guarantees, and helps your business qualify for better terms as it grows.

It also directly affects your company’s ability to operate efficiently and affordably. Strong business credit can lower borrowing costs, unlock higher credit limits, improve insurance premiums, and secure better payment terms with suppliers. Over time, this creates more cash‑flow flexibility, reduces financial stress, and positions the business for expansion, hiring, and long‑term stability.

What is business credit?

Business credit is the financial reputation of a company — a separate credit profile that reflects how reliably the business pays its bills, manages debt, and handles financial obligations. It’s tied to the business’s EIN rather than the owner’s personal Social Security number, and it’s tracked by commercial credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business.

Disputes

Dun & Bradstreet
Disputing a Dun & Bradstreet (D&B) credit report involves several steps to ensure that inaccuracies or outdated information are corrected. Here's how you can go about it:

1. Review Your Credit Report

Obtain Your Report: Get a copy of your Dun & Bradstreet business credit report.
Identify Errors: Carefully review all sections of the report, including company information, trade payments, financials and public filings. Note any inaccuracies or discrepancies.

2. Gather Supporting Documentation

Collect Evidence: Gather documents that support your claim, such as financial statements, payment records, invoices and any correspondence with vendors, suppliers and creditors.

3. Submit a Dispute

Online Submission:
- D&B iUpdate Portal: Use the D&B iUpdate online portal to submit your dispute. You may need to create an account if you don't have one.
- Input Details: Log in to the portal, navigate to the section where you can file a dispute and provide the necessary details along with your supporting documentation

Phone Submission:
- Contact Customer Service: Call Dun & Bradstreet's customer service at (800) 463-6362 to initiate the dispute process. They will guide you on what steps to take and what documentation is required.

Mail Submission:
- Write a Letter: Send a detailed letter outlining the errors in your report. Clearly explain each error, referencing the specific sections of the report.
- Attach Documents: Include all relevant supporting documentation to substantiate your claims.
- Mail to: Dun & Bradstreet 103 JFK Parkway Short Hills, NJ 07078

4. Follow Up on Your Dispute

Investigation Process: D&B will investigate the dispute by contacting your vendors, suppliers or creditors to verify the information.
Check Status: Regularly check the status of your dispute through the D&B iUpdate portal or via communication from D&B. Respond promptly to any requests for additional information.

5. Resolution

Outcome Notification: Once the investigation is complete, D&B will update your credit report if the dispute is validated. You will be notified of the outcome.
Verify Changes: Obtain an updated copy of your credit report to ensure that the necessary corrections have been made.

Tips for a Successful Dispute

Be Specific: Clearly state each error and provide precise details and evidence.
Keep Records: Maintain a copy of all correspondence and documentation submitted for the dispute.
Follow Up: Regularly monitor the progress of your dispute and be proactive in providing any additional information requested by D&B.

By following these steps, you can ensure that your Dun & Bradstreet credit report accurately reflects your company's creditworthiness.
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Equifax Business
Disputing inaccuracies on your Equifax business credit report involves a specific process. Here are the general steps to dispute information on your Equifax business credit report:

1. Obtain a Copy of Your Business Credit Report:

Obtain a copy of your Equifax business credit report at eCredable or by contacting Equifax.

2. Review the Report Thoroughly:

Carefully review your business credit report to identify any inaccuracies or errors, such as business information, account details, payment history and any negative items.

3. Gather Supporting Documentation:

Collect any supporting documentation that verifies the inaccuracies you've identified. This may include business incorporation documents, invoices, receipts, correspondence with creditors, or any other relevant proof.

4. Initiate the Dispute:

Provide detailed information about the inaccuracies, and attach any supporting documents.

5. Submit the Dispute:

Once you have filled out the dispute form and attached the necessary documentation, submit the dispute to Equifax. Ensure that you keep a copy of your dispute for your records.

6. Follow Up:

Equifax will investigate your dispute and send you the results. It's essential to follow up regularly to check the status of your dispute. Equifax may provide updates through their online portal or via mail.

7. Review the Results:

Once Equifax completes its investigation, carefully review the results. If the inaccuracies have been corrected, you should receive an updated credit report reflecting the changes.

8. Dispute Resolution:

If your dispute is not resolved to your satisfaction, you may consider contacting Equifax directly to discuss the issue further. In some cases, you may need to work with the creditor directly to resolve the matter.

It's crucial to be persistent and patient throughout the dispute process. Keep records of all communications and documentation related to your dispute. To contact Equifax Business to file an Equifax business credit report dispute, you can reach them via phone or mail:

By Phone: 804-375-1099
By Mail: 5309 Common wealth Centre Parkway, Suite 400 Midlothian, VA 23112