Summary

Use Business Principal Reports to make faster, more confident decisions on small-business customers by instantly validating identity, spotting fraud signals, and assessing the principal’s consumer credit profile (scores, payment history, collections, public records, and inquiries). It’s a simple way to reduce risk, protect revenue, and approve more of the right applicants - when used for a legitimate business purpose tied to a transaction initiated by the consumer.

Business Principal Reports are provided by Equifax through Creditsafe USA and combine multiple data points into a single report.


What is a Business Principal Report?

A Business Principal Report (BPR) helps businesses evaluate risk by providing access to a business principal’s consumer credit history when there is a legitimate business need tied to a consumer‑initiated transaction.

It combines multiple data points into a single report to give a more complete view of the individual behind a business.

Who is it for?

• Credit and finance teams
• Risk analysts
• Businesses working with small businesses or sole proprietors
• Organizations assessing customer or supplier risk

Key features

• Consumer credit risk scores (FICO® Risk Score, Classic versions)
• Identity Scan™ for fraud and identity risk indicators
• Identification and employment information for verification
• Credit accounts, payment history, and collections data
• Public records such as bankruptcies and judgments
• Recent credit inquiries to indicate potential risk trends

Benefits

• Better visibility into individual credit risk behind a business
• Improved decision‑making when limited business credit data is available
• Ability to identify potential fraud and identity risks
• Faster evaluation of small or new business customers

Limitations and considerations

• Reports include consumer credit data and must be used only when there is a legitimate business need
• Data availability depends on the underlying consumer credit file
• Access and use may be subject to compliance requirements (e.g., consumer credit regulations)