Equifax's $49.99 self-serve business report covers your own company, and reports on other companies are quoted by its sales team. If you are a freelancer, agency, contractor or consultant who needs to check a prospective client this week, ClientVetter checks a US company from its domain in about a minute. Starter costs $49 a month for 25 checks, with no quote and no sales call.
Checking public records
Done
Preliminary band
The preliminary band uses domain, website and mail signals only. The full score adds registry, reviews, disputes and sanctions.
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Most people searching for an Equifax business credit report want one of two things. Some want to see their own company's file before applying for a loan. Others want to know whether a new customer will pay. Equifax's published small business offer serves the first group. The second group usually ends up talking to sales.
ClientVetter is built for the second group. You enter the client's website and get state registry standing, domain age, website and mail records, public disputes, OFAC SDN and other sanctions screening, and member non-payment reports with the evidence and the company's reply. The result is a 0 to 100 score with a band, the reasons behind it and the payment terms we suggest. It does not include lender-reported trade data or a bureau credit limit.
Equifax publishes a price for its self-serve products and leaves the reports used to evaluate other businesses to its sales team. Here is what its US small business page lists.
| Equifax product | Published price | Who it is for | How you buy it |
|---|---|---|---|
| Business Credit Industry Report Plus 2.0 | $49.99 one-time download | Checking your own business file | Online through eCredable, an approved Equifax reseller |
| Business credit monitoring | From $39.99 a month | Watching your own business file | Nav Prime, sold by Nav, an approved Equifax reseller |
| Business Credit Reports for evaluating a business | Not published | Lenders and others assessing another company | Equifax sales team |
| OneScore for Commercial, Business Risk Scores, Credit History Report | Not published | Credit and risk teams | Equifax sales team |
An Equifax business report typically includes a company profile, a summary of credit accounts, public records, a payment index and risk scores that estimate delinquency and business failure. Those are useful when the company has lenders and suppliers reporting to Equifax. Many small private companies, including a lot of the agencies, startups and property owners who hire service providers, have a thin file or none at all.
Equifax facts follow its US business pages. Check the current offer before buying. For the other bureaus, see what an Experian business credit report costs and how a Dun and Bradstreet report compares.
A bureau report is priced per company. A client check plan is priced per month. The gap grows with every proposal you send. Equifax is left out of the math because it does not publish a price for reports on other companies.
| Approach | 5 clients a month | 25 clients a month | 120 clients a month |
|---|---|---|---|
| Experian CreditScore at $59.95 each | $299.75 | $1,498.75 | $7,194 |
| Dun and Bradstreet BIR Snapshot from $139.99 each | From $699.95 | From $3,499.75 | From $16,798.80 |
| ClientVetter Starter, 25 checks | $49 | $49 | Team plan |
| ClientVetter Team, 120 checks and 5 seats | $129 | $129 | $129 |
These are list prices, without negotiated bureau subscriptions. Yearly billing brings ClientVetter to a monthly equivalent of $24 for Starter and $64 for Team. Agency costs $299 a month for 400 checks with API access, and Enterprise costs $799. All plans are on the pricing page, and the wider picture is in our business credit report cost guide.
An honest comparison of what each one gives you when the question is whether to accept a client and on what terms.
| What matters | Equifax Business | ClientVetter |
|---|---|---|
| Getting started | Self-serve for your own file; reports on other companies through sales | Create an account and check a client the same day |
| Payment evidence | Lender-reported payment data and a payment index, where the company has a file | Public disputes and member non-payment reports with evidence and the company's reply. No trade payment data. |
| Scores | Credit risk and business failure scores | A 0 to 100 score with a band and sourced reasons. No bureau credit limit. |
| Identity and legitimacy | Company profile from its database | State registry standing, domain age, website and mail records, sanctions screening |
| Next step | Your own credit decision | Suggested payment terms, PDF export and monitoring alerts |
| Coverage | US and other markets where Equifax operates | US companies only |
You sell time, not goods on credit. A web agency taking a $30,000 build, a contractor checking a commercial customer, or a consultant starting a retainer needs to know whether the business is real, in good standing, free of sanctions hits and known for paying the people it hires. Then it needs terms. That is what a company credit check for clients gives you, at a cost low enough to run on every prospect.
Buy from Equifax when your lender asks for it, when you extend real trade credit to an established company with many suppliers, or when your finance team relies on its risk scores. Those datasets are not something public records can replace. Many teams run a ClientVetter check on every prospect and buy a bureau report only for the few deals large enough to justify it.
Type the prospective client's domain into the check at the top of this page. You do not need its legal name or tax ID to start.
Read the score, the band and each sourced reason. Open any member report to see the evidence and the company's side.
Use the suggested terms in your proposal, such as a deposit or milestone billing, then save the PDF and turn on monitoring.
Yes. Dun and Bradstreet and Experian sell business credit reports on other companies, and ClientVetter offers domain based client checks for US service providers at $49 a month for 25 checks. Pick a bureau when you need lender-reported payment data. Pick ClientVetter when you need to decide payment terms for a new client.
Equifax sells its Business Credit Industry Report Plus 2.0 for $49.99 as a one-time download through the reseller eCredable, aimed at checking your own business. Reports for evaluating other companies have no published price and are quoted by the Equifax sales team. Monitoring your own file starts at $39.99 a month through Nav Prime.
Yes, but not through the self-serve $49.99 download, which covers your own business. Equifax Business Credit Reports for lenders and others evaluating a company are sold through its sales team. Expect an account setup and a quote. For quick checks on new US clients, a published monthly plan is faster to start.
Neither is better in every case. Dun and Bradstreet is known for PAYDEX trade payment data and wide company coverage, with reports from $139.99. Equifax draws on lender-reported financial data and risk scores, sold mostly through sales. A service provider checking a project client often needs public records and payment terms guidance more than either.
The cheapest repeatable way is a flat monthly plan rather than one report per client. Experian reports start at $59.95 and Dun and Bradstreet at $139.99 per company, while ClientVetter Starter costs $49 a month for 25 checks. Free state registry searches help too, but they are slow and give no score.
No. A ClientVetter check reads public business records and member reports rather than pulling a bureau credit file, so the check does not affect the client's credit. The client is not notified when you check them. Use the findings to assess a commercial relationship and agree on payment terms. See our FCRA notice.
No. ClientVetter reports concern businesses and people only in their role at a business. They are not FCRA consumer reports and may not be used to decide an individual's eligibility for credit, insurance, employment or housing. Use them for commercial client decisions only. Read the FCRA notice for the permitted scope.
Still weighing the bureaus? Read the Creditsafe alternative comparison for a quote-based option with international coverage, and see what a business credit report on a client should contain. Subcontractors can read how to use a business credit report for subcontractors checking a general contractor.
Enter the domain of the US company behind your next project and set your payment terms on evidence. Starter includes 25 checks for $49 a month.
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