Access your Company Credit Information Report instantly. It is secure, accurate and bureau verified.
Be confident in your company’s financial credibility, reduces risk and enables growth through all business credit report data from Experian, Equifax and CRIF High Mark
Instant access your company credit report is ready in minutes
Bureau verified credit report gathered directly from Experian, Equifax and CRIF High Mark
Complete view of your commercial credit score, repayment history, limits, utilization, etc.
Identify risk recognize defaults, negative flags and high-risk exposures
Establish growth creates credibility with banks, vendors and investors
Secure and confidential encrypted access with authorized personnel only scenarios
Your company credit report (or business credit report) is used by banks, NBFCs, suppliers, insurers, and partners to assess your repayment capacity, risk profile, and credit limits. A stronger profile can lead to better terms on loans, improved vendor onboarding times, and greater credibility when negotiating.
Here are some of the things you will find:
What We Offer (All in One Place)
In India, companies are required to have a Company Credit Report for:
commonly requested by banks for working capital, term loans, and renewals.
comprehensive SME/enterprise analytics and portfolio views.
Commercial Credit report / Corporate Credit Report options for larger entities and corporate evaluations.
Retrieval of Company Credit Report for limited companies, LLPs and partnerships.
Guided interpretation so you understand what the numbers mean and what to do next.
Please note: Experian, Equifax and CRIF High Mark are independent credit bureaus. We facilitate procurement and assist in interpreting the results. We are not a credit bureau.
We provide end-to-end credit report management.
We provide you with an in-depth study of your current Credit report and identify errors, delays and weaknesses that damage your score.
We assist you in correcting errors, fixing mistakes, help you file disputes at credit bureaus, negotiating with banks/NBFCs to resolve issues long-ongoing.
We develop actionable steps to elevate your Credit rank by, restructuring repayment schedules, reducing utilization, and building solid credit behaviour.
We use credit score information to examine your company’s cash flow, liabilities and financial documentation for optimal overall credit standing.
We serve MSME’s across Indian by uplifting their credibility to obtain good legacy when they seek loans, lenders are assisted in making approvals and have better terms of credit.
We are experts in providing end-to-end company credit report services to businesses based in India. Our services include
Provide us your company information
Legal name, CIN/LLPIN, PAN, your registered email & mobile, and authorization documents
Verification & retrieval
We verify your identity and retrieve your business credit report from the bureau(s) of your choice
Delivery & Instruction
Get your business credit report and/or CRIF business credit report delivered securely, plus optional consultation with an expert for a walkthrough
(Pricing Inclusive of 18% GST)
Note: Bureau and lender policies apply. We never promise unlawful removals.
Building a solid business credit report isn’t only about repaying debts on time-it takes endless time and discipline; continuous monitoring; and active corrections. Here’s an action plan that will assist your business in enhancing your lender readiness and credit future:
Over dues are the biggest indicators of trouble in your company’s Credit report or CRIF business credit report. Just one account showing Days Past Due (DPD) can significantly lower your credit rating.
When your credit utilization is high (realizing close to 100% of your authorized limit) it sends signals of distress to lenders. Ideally, businesses should strive to maintain a level of utilization beneath 65–70%.
A mixture of short-term and high-cost borrowings will take their toll on your report. Using informal working capital loans, or unsecured Overdrafts/ Cash credit, match your cash requirements.
Clear errors or stale entries can sure drag down your corporate Credit report, and much of this would seem unfair in your situation.
An incomplete or thin credit file can be just as harmful as a bad one. Adding positive repayment data to your profile will improve it.
Lenders and credit bureaus will look at your governance and compliance track record in conjunction with the payments record.
Credit profiles change based on current facilities, repayments, and inquiries. Regular monitoring of your profile gives you a chance to act before red flags become serious issues.
Pro Tip. Enhancing your company’s credit score is not a one-off task. It is a cycle of disciplined repayments, strategic borrowings, compliance, and monitoring. By remaining vigilant and proactive, you will never have to face the stress of last-minute surprises when getting loans or during inducting a new vendor.
| Feature / Aspect | Experian Business Credit Report | Equifax Business Credit Report | CRIF Business Credit Report |
|---|---|---|---|
| Coverage | Global presence, widely used by credit card issuers, NBFCs, and international lenders | Strong with NBFCs, fintechs, and institutional lenders | Strong in MSMEs, microfinance, and SME segment; popular with rural and cooperative lenders |
| Scoring | Intelliscore Plus (300–850) with delinquency risk insights | Business Credit Risk Score (range varies 1–999 or 300–900); deep analytics-driven | CRIF India Business Rank (CIBR 13-level rank) + Business Score (300–900) |
| Depth | Includes trade data, payment histories, fraud checks, and monitoring tools | In-depth delinquency tracking, repayment behavior, and trend analytics | Detailed repayment history, utilization trends, bureau linkages, and real-time updates |
| Use Cases | Vendor evaluation, loan sanctioning, international trade, credit card issuance | Corporate loan evaluations, NBFC underwriting, fintech partnerships | Loans, supply chain finance, MSME onboarding, tender/vendor diligence |
| Typical Ask |
• "Experian business credit report" • "Experian Intelliscore" |
• "Equifax business credit report" • "Equifax commercial report" |
• "CRIF business credit report" • "CRIF India Business Rank report" |
At Kenstone Capital, our objective is to enhance the effectiveness and efficiency of the credit management process and to create a sustainable approach that enhances your credit score. To start with the process, our credit repair agency will advise you on immediate changes that you could make to your credit management process.
However, our Credit score improvement agency is not only dedicated to address your current business needs but also helps your business in longer-run. For that, our Credit score agency is committed to provide you with a solid and an on-going plan that can move forward with targeted improvements to your business while providing required training to your accounts team.
A company credit report is a detailed profile of your business’s credit behaviour, including facilities, limits, repayment history, and risk score or rank issued by a recognized business credit bureau report. This is the standard business credit report lenders and partners rely on to make informed financial decisions.
The commercial credit report generally applies to MSMEs or smaller businesses, while a corporate credit report is for larger companies. Both are types of business credit check reports sourced from the same underlying bureaus but tailored for different company sizes.
Not always. Many lenders accept a single company credit bureau report. However, obtaining multiple company credit reports like those from Equifax and CRIF Highmark provides a more comprehensive view and can be helpful in complex negotiations or loan approvals.
No. Bureau guidelines prohibit accessing a credit report for business without proper company consent or a legitimate permissible purpose.
It is advisable to check business credit report data quarterly or at a minimum before applying for loans, renewals, major vendor onboarding, or tenders.
A self-pull or direct check company credit score will not affect your rating negatively. Multiple inquiries in a short period for the same loan request may indicate risk to lenders.
Only if the entries are inaccurate. Otherwise, consistent positive credit behavior, timely payments, and lower utilization help improve your company credit rating check over time.
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