Capital One Launches Free Business Credit Reports

Feb 14, 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Capital One just announced a new service to help business owners better understand their credit report. The bank has launched a tool called Business Creditwise that offers companies free access to their business credit profiles.

Similar to Capital One’s consumer credit tool Creditwise, this website allows business owners to see different aspects of their credit report — including details of payment history, credit usage and public records that may affect a businesses’ credit score.

Capital One conducted a survey that revealed less than half of business owners have ever seen their business credit report. Its Business Creditwise tool is one of just a few that offers the service for freeCreditwise does not provide a business credit score, unlike other programs that provide complimentary personal scores, like banks themselves or third-party services such as Quizzle; instead it provides a business credit profile.

Capital One said Business Creditwise will provide the access to the following information:

  • Unlimited access to your business credit report, sourced real-time from LexisNexis Risk Solutions, with no impact to your business credit
  • A comprehensive view of key factors that impact business credit under four pillars: Business Details, Payments, Credit Usage and Public Records
  • A guide to interpret your business credit report the same way lenders do with helpful, educational tips
  • The ability to find and fix inaccuracies for free, with no hidden fees, by submitting disputes to LexisNexis Risk Solutions

After logging in to Business Creditwise, you’ll see a slick dashboard that displays all your businesses’ data. You can click on each feature for more detailed information.

A TPG staffer’s credit report as seen through Capital One’s Business Creditwise.

It’s nice to see Capital One adding more tools that will help business owners and those with small-business credit cards. TPG Director of Special Projects Julian Kheel was able to quickly pull up his sole proprietorship business (which only requires a Social Security number) in Business Creditwise. Since personal and business credit scores are separate and calculated in different ways, it’s worth checking out Business Creditwise or similar tools that’ll reveal your business’ credit profile — that way you can correct any mistakes or make sure there’s no fraudulent activity on your accounts.

Capital One has a handful of business credit cards, including the cash-back earning Capital One Spark Cash for Business and the Capital One Spark Miles for Businesswhich now earns transferrable miles

Read more on business credit:

Featured image by Getty Images.

The All-New United Quest℠ Card

WELCOME OFFER: Up to 100,000 bonus miles


CARD HIGHLIGHTS: 3X miles on United® purchases

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 80K bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20K bonus miles after you spend $10,000 in the first 6 months
  • $250 Annual Fee
  • Earn 3X miles on United® purchases, 2X miles at restaurants, on select streaming services & all other travel, 1X on all other purchases
  • Earn 3X miles on United Airlines purchases
  • Earn 2X miles at restaurants and on select streaming services
  • Earn 2X miles on all other travel
  • Earn 1X mile on all other purchases
  • Each year, receive a $125 credit on United® purchases and two 5k-mile anniversary award flight credits. Terms apply.
Regular APR
16.49% to 23.49% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent, Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.