How to check your business credit score.

3 minute readUpdated October 13, 2026By the NorthAxis Capital team

Who keeps business credit files in Canada?

Two main companies keep credit files on Canadian businesses:

• Equifax Canada
• Dun & Bradstreet (D&B) Canada

These files are separate from your personal credit report. But lenders often look at both.

What is in a business credit report?

• Your business name, address and how long you’ve been open
• How you pay suppliers and lenders, and if you pay on time
• Accounts sent to collections
• Legal claims or judgments
• Recent credit checks by lenders
• A score or rating that sums it all up

How do I check my business credit?

1. Contact Equifax Canada or Dun & Bradstreet Canada and ask for your business credit report.
2. Have your business’s legal name, address and business number ready.
3. Business reports usually cost money. Ask what options they have.
4. Also get your personal report. It’s free from Equifax and TransUnion, and checking it doesn’t hurt your score.

How do I fix errors?

1. Write down each mistake, like a bill you paid that shows as unpaid.
2. Gather proof, like receipts or bank records.
3. Send a dispute to the credit bureau that shows the error.
4. Follow up until it is fixed.

Our credit repair team can help you review your reports and fix wrong items.

How do I raise my business credit score?

• Pay suppliers and lenders on time, every time.
• Open trade accounts with suppliers that report your payments.
• Use a business credit card and keep the balance low.
• Keep your business name and address the same everywhere.

For the full plan, read how to build business credit. Planning a loan? Talk to our team.