How To Report Commercial Credit

Report Commercial CreditMost of the national credit bureaus have a commercial credit database, in addition to their consumer database. While Dunn and Bradstreet is commonly thought of as the main commercial credit repository, Equifax and Experian are major players in the space. Lexis-Nexis also has a large presence in this area and is an approved repository for small business loans.

In addition, if you offer SOP 50 57 loans through the Small Business Administration (SBA) you are required to report to the credit bureaus. The Small Business Administration recently posted this update to SOP 50 57 servicing and liquidation requirements:

“In accordance with the Debt Collection Improvement Act of 1996, Lenders are required to report information to the appropriate credit reporting agencies whenever they extend credit via an SBA loan. Thereafter, they should continue to routinely report information concerning servicing, liquidation, and charge-off activities throughout the life-cycle of the loan. (See Chapter 26 for more information regarding credit reporting requirements for loans in charge-off status.)”

Datalinx can assist you with reporting these and other commercial credit accounts to the credit reporting agencies. Please contact us at (425) 780-4530 or by email at for more information and to get started on reporting your commercial credit.


  1. Would like to get information on getting set up to report commercial credit

    • Hi James,

      Thanks for reaching out.

      Experian and Dunn & Bradstreet are probably the top two credit agencies in the commercial credit industry. Equifax accepts the data but isn’t as focused on that area. Trans Union does not have a commercial credit reporting arm.

      If you do Small Business loans backed by the Small Business Administration (SBA) then you may also want to consider reporting to Lexis Nexis.

      To get started I would suggest contacting a company like Datalinx LLC ( They have relationships with each of the bureaus and can help you get setup as a data furnisher. They can also help with formatting your data to meet the requirements of the FCRA and FCBA.

      Hope that helps. Let us know if you have any other questions.


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