5 Best Business Credit Monitoring Services 2025

Tons of companies now offer free monitoring for your personal credit score―but what are the credit monitoring companies that check business credit scores?

We’ll be straight with you―you won’t have as many choices for monitoring your business credit. But you do have a few options, and we’ve rounded up the best ones.

Some of these business credit monitoring companies will let you see full reports, while others will only give you relative information about your score. Some are paid, and some are free.

So which is the best credit monitoring service for businesses? For most, Nav’s free monitoring offers all you need. Still, our other top picks offer plenty of features that make them worth looking at.

There are several business credit bureaus out there, but Dun & Bradstreet (Paydex scores) and Experian (Intelliscore) have the most influence.

Equifax also tracks business credit (Equifax Business Credit Risk Score), and plenty of other companies have come up with their own business credit scores―including Data Axle and CreditSafe (both reviewed below).

But just because all these business credit bureaus exist doesn’t mean you need to monitor them all. You can focus on the bureaus that will most affect your business. In most cases, that means Experian and Dun & Bradstreet. If you have to choose just one, here’s our rule of thumb:

• Business credit card companies tend to use your Experian Intelliscore.
• Business lenders focus more on your Dun & Bradstreet Paydex score.

Of course, that won’t always be true. So if you’ve got a specific lender, credit card provider, or other company you want to work with, you may want to ask what business credit score they use. That way, you’ll know exactly which bureau to monitor and care about.

For most business owners, Nav offers the best credit monitoring service.

Why? Well, for starters, Nav credit monitoring doesn’t cost anything. (CreditSignal is the only other free service)―meaning you can keep an eye on your business credit score without fitting it into your budget.

Free only goes so far, though. Fortunately, Nav has plenty of excellent features. Its credit monitoring service keeps tabs on your Experience Intelliscore and your Equifax Business Credit Risk Score―two of the most important business credit bureaus.

As an added bonus, Nav also monitors your personal credit score. In other words, you can get tons of valuable information from one service.

Now , Nav monitoring isn’t the most comprehensive. You won’t be able to see your numerical business credit score―just a Nav-assigned letter grade.

Likewise, you won’t get access to a full business credit report. You’ll just get some information about new inquiries, legal problems, and other changes. Of course, if you see anything surprising, you can always choose to buy a full business credit report elsewhere (for cheaper than most monitoring services).

So for most businesses, Nav’s free, simple score monitoring and credit profile alerts will be enough.

Credit Sesame uses TransUnion as a credit bureau on its free account, which means it only uses VantageScores. Once you upgrade to the next tier up, though ($9.95/mo.), you get access to Experian and Equifax scores too. The tier up after that then allows for credit monitoring from all 3 bureaus.

Although having only VantageScores on the free account can be a setback for small-business owners, there is an advantage to it. Credit Sesame can help you match with personal loans based on this score.

This will be helpful if you're open to using a personal loan for business use. Some small-business owners prefer to start building credit this way because they don't meet the qualifications for a business loan yet—like not meeting a minimum time in business requirement. (Note: only some lenders allow for this). 

So if you're planning on taking out a personal loan from an approved lender, Credit Sesame's free plan might be the right fit for you.

CreditSuite packs a ton of value into a relatively low monthly subscription.

Free business credit monitoring services don’t usually let you see your actual business credit score, and they definitely don’t let you view your full business credit report. CreditSuite’s paid service, however, does both of those things. 

With your subscription, you’ll get access to both your Paydex score and your Intelliscore. Plus, you can view reports for both. No, you won’t get any information about Equifax or other business credit bureaus―but most businesses won’t need that data anyway.

If you’re willing to pay for business credit monitoring, CreditSuite’s cheap subscription offers the most bang for your buck.

If you only care about your Paydex score, Dun & Bradstreet CreditSignal offers free monitoring.

When you first sign up, you’ll get 14 days of detailed information about your Paydex score. That means 14 days of seeing your actual business credit score and other risk ratings. After that 14 days, you’ll only get relative information. In other words, you’ll get alerted that your business credit score rose or fell, but you won’t know your actual score.

You’ll also get some other essential information. For example, you’ll be able to see when someone makes a credit inquiry (but you won’t be able to see who made the inquiry).

CreditSignal may not offer the most robust business credit monitoring―but for a free service, it’s not bad.

Just want to monitor your Experian Intelliscore? Experian’s Business Credit Advantage lets you do just that.

When you sign up for Business Credit Advantage, you get to view your Intelliscore at any time. You can also access your full, detailed Experian business credit report whenever you want. Basically, you’ll know whatever Experian has on your business. 

Plus, you’ll get business identity monitoring from Experian. Its CyberAgent product will look for stolen information about your business across the web. Note that you will have to pay a yearly fee for Business Credit Advantage, but you’re getting both credit and identity monitoring in return. 

So yes, Business Credit Advantage only monitors one business credit bureau―but if that’s all you need, it’s got some nice identity theft extras for you.

The five services we reviewed above are the only business credit monitoring services we really recommend. But we know that lots of business owners have heard about the services below and want more information on them. So we’ll give you our take on these other business credit monitoring options―even though we don’t really like them. 

Data Axle’s monitoring offers access to your business credit score and comprehensive business credit reports. The catch? It’s a proprietary Data Axle score and report. Most business credit card companies and lenders won’t care about your Data Axle score―they’ll look at Intelliscore and Paydex instead.

That doesn’t mean a Data Axle report can’t be useful. It still includes a lot of the information found on other business credit reports, so it might still give you a general idea of how your business credit is doing.

But since Data Axle plans start at a pricey $179 a month (when billed annually—otherwise, it's $195 a month), we think you’re better off going with one of the monitoring companies above.

CreditSafe, like Credit.net, has its own business credit score and report system. And again, that can be useful―especially since CreditSafe was designed for you to check on other companies’ credit rather than your own.

Still, we think you’ll get more value out of a credit monitoring service that tracks the more widely used business credit scores.

So if you want to see data about lots of other companies, CreditSafe can help. If you want to see data about your own business credit, choose a different service.

Business Credit Monitor is Equifax’s business credit monitoring service. As you can guess, that means it only monitors your Equifax business credit score (a.k.a. Your Equifax Business Credit Risk Score).

Unfortunately, Equifax provides almost no details about its service. You can’t even sign up on the website―you just have to contact Equifax for more details. So while it could be a great service, we can’t really recommend it.

CreditMonitor is another service from Dun & Bradstreet, which means it focuses exclusively on Paydex scores. CreditMonitor lets you view your numerical Paydex score (unlike CreditSignal). It also lets you see detailed credit reports for your business, so you know exactly what lenders will see when they check your business credit. 

You will have to pay a relatively high fee to get CreditMonitor. Fortunately, Dun & Bradstreet tries to make it worth it by throwing in some extra features. For example, it lets you see how your business’s credit file compares to other businesses. It also gives you access to tons of legal business documents through LegalZoom.

While CreditMonitor may not be the cheapest service on this list, it offers plenty for businesses that want to dig into their Dun & Bradstreet business credit profiles.

The best credit monitoring service for you will depend on which business credit reporting agency (or agencies) you care about and what details you want to know. Fortunately, you’ve got several options―paid and free―to choose from.

Nav’s free business credit monitoring offers plenty of data from Equifax and Experian at no cost to you―making it our favorite service for most business owners.

If you’re willing to pay, CreditSuite gives you even more information from all three major bureaus. Credit Sesame is great if you're looking into personal borrowing. CreditSignal offers the cheapest way to monitor your Dun & Bradstreet Paydex score. And Business Credit Advantage gives you comprehensive Experian Intelliscore reports. 

Your business credit score matters, but it’s only one of many factors lenders look at. Learn more about the other business loan requirements they consider.

To rank the best business credit monitoring services, we graded each monitoring service on its pricing, number of bureaus monitored, amount of information given to business owners, and more. Then we averaged out those category scores to get overall scores for each service.

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.