CHASE BUSINESS CREDIT JOURNEY^®

You must have an existing Chase Business Checking or Business Credit Card relationship and be a single ownership business.

No. Business Credit Journey is a complimentary service accessible directly from your business banking account.

To update your contact info and other personal details, go to Profile & Settings. On mobile, choose the “Settings” tab and then “Personal details.” On desktop, choose “Personal details.”

If you want to stop using Business Credit Journey, you can unenroll.

You’ll find two scores in Business Credit Journey, including the Dun & Bradstreet^® (D&B) Small Business Financial Exchange (SBFE) Score and the D&B^® Delinquency Predictor Score. Your lender (including Chase) may not use the models provided in Business Credit Journey, so don’t be surprised if they provide a score that’s different from your D&B SBFE Score or your D&B Delinquency Predictor Score.

Unlike personal credit scores, business credit scores don’t share a common rating scale that goes from 300 to 850. They vary widely based on the bureau, and different credit scoring models may be used by lenders and insurers. This makes it harder for a business owner to know where their credit stands when they’re only seeing one of many available scores. In Business Credit Journey, we supply two of the more widely available Dun & Bradstreet scores.

No. We access your credit information using a soft inquiry, also known as a soft credit check, which may show up on your credit report but will not affect your scores. You can check your scores at Business Credit Journey as many times as you want without affecting them.

Lenders, suppliers, insurance underwriters and other organizations may use business credit scores to help make decisions about working with your business.

We recommend checking your scores regularly to keep track of your credit activity.

There are many factors that can influence your business credit scores. Four of the more critical factors include your payment history, the amount of credit you use, any publicly available records and legal filings involving your business, and the number of tradelines you maintain.

Yes, each unique legal business entity has its own business profile and scores.

If you don’t see a credit score when you sign in to Business Credit Journey, it may be because you’re currently building your credit and may not have enough history yet.

The D&B SBFE Score is designed to assess your business’s overall financial health. It ranges from 706 to 999, where 999 is the “best” score (signifying a lower risk to lenders) and 706 is the “worst” score. The scoring model is calculated using data collected by D&B and data provided by the Small Business Financial Exchange (SBFE).

The D&B Delinquency Predictor Score is designed to assess the likelihood that your business will pay on time in the next 12 months. It ranges from 101 to 670, where 670 is the “best” score (indicating a greater possibility your business will pay on time) and 101 is the “worst” score. The scoring model is calculated using data collected by D&B.

You’ll need a Dun & Bradstreet D-U-N-S^® Number to receive scores and reports from Dun & Bradstreet. You can register for one at their website or by phone (844-658-5568).

To get a D-U-N-S Number, you can apply online or by phone (844-658-5568) through Dun & Bradstreet.

Generally, D&B calculates scores by analyzing information provided by your business, as well as by suppliers and lenders who report your payment information to D&B. D&B also looks at public records related to your business, such as regulatory requirements, legal filings or business tax reports. Each unique D&B credit score has its own scoring model.

There are several possible reasons why data may not be showing up in your score history. Score history data won’t display until you’ve visited Business Credit Journey during at least two of the past six months. Additionally, if you don’t visit Business Credit Journey during a calendar month, you won’t see a score for that month in your score history data. Another possible reason is that your D-U-N-S Number is under review or has changed. You can find out more about your specific situation by contacting Dun & Bradstreet.

If you have questions about your scores, contact Dun & Bradstreet.

If you find a mistake, you’ll need to contact Dun & Bradstreet to let them know. The mistake could be due to a credit bureau reporting error.

Business Credit Journey is only intended for use by the owner of this business or an authorized representative. If this is not your business, please unenroll and contact Dun & Bradstreet to resolve the issue.

There are several reasons why data might be unavailable. You can find out more about your specific situation by contacting Dun & Bradstreet.