Turned Down by the Bank / Guides / How to check your business credit report
Guide · reviewed 11 November 2026
How to check your business credit report
Answer in brief
Lenders check both your business's credit file and, for smaller businesses, the directors' personal files. Business credit agencies such as Experian, Equifax and Creditsafe hold business records, and you can check your personal file free through statutory reports or free services. Fix any errors before you reapply.
What to check
- Company details and filing history
- CCJs and defaults
- Late payments to suppliers
- Directors' personal credit files
Fixing errors
Ask the credit reference agency to correct any mistakes. Make sure your accounts at Companies House are up to date.
Find lenders beyond your bank →
Free, no obligation. Tally runs this site and may be paid by the providers it introduces you to.