FAQ · Credit & security
Do you report to personal credit bureaus?
Last updated 2026-04-16
Memorandum · From the underwriting desk
Do you report to personal credit bureaus?
ICG reports business-credit performance to commercial bureaus such as Paynet and D&B. Personal credit-bureau reporting depends on the product and whether a personal guarantee is attached; this is disclosed in your funding agreement.
ICG UnderwritingRef · ICG-REPORT
Practical context
How to evaluate credit impact and data handling
Applicants should separate two questions: whether a request affects credit, and where the application data goes. Those are different risks, and they should be disclosed separately and clearly.
- Soft pull versus hard pull timing
- Encryption, storage, and access controls
- Whether the application is sold or distributed to third parties
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