Credit
Credit terms. Defined.
Personal and business credit signals lenders use, FICO, PAYDEX, business credit reports, and inquiries.
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Every credit term.
7 terms
Credit
Business Credit Score
A business credit score rates a business’s creditworthiness separately from its owners, issued by Dun & Bradstreet, Experian Business, and others.
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Dun & Bradstreet
a.k.a. D&B, DNB
Dun & Bradstreet (D&B) is the oldest business credit bureau, famous for issuing DUNS numbers and the PAYDEX payment score.
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Experian Business
Experian Business is one of the three major business credit bureaus, publishing the Intelliscore Plus commercial credit score.
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FICO Score
A FICO score is a personal credit score between 300 and 850 that predicts the likelihood of repaying consumer credit obligations.
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Hard Pull
A hard pull is a credit inquiry that appears on your credit report and temporarily lowers your FICO score.
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PayNet
PayNet (now part of Equifax) is a commercial credit bureau focused on small-business loan and equipment lease repayment data.
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Soft Pull
A soft pull is a credit inquiry that does not affect your credit score, used during pre-qualification and offer sizing.
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