The various reporting agencies use differing methods to measure your company’s “credit worthiness” but they all essentially report on the two basic premises:

1) How timely has your company paid its debts in the past?

2) Is your company financially sound enough to repay its debts? 

3) Is your company in compliance?

It is essential to establish a Business Credit Profile so that you can secure operating lines of credit and other types of loans from financial institutions.  These institutions prefer to work with companies that have a proven track record of payment, and the ability to repay future debts.  This also holds true for potential vendors and suppliers; the vast majority will examine your company's credit profile with Dun & Bradstree or Experien before extending credit to you.