How to Check Your Business Credit Scores for Free With Chase

If you bank with Chase for your business, you can check two Dun & Bradstreet business credit scores for free through a tool called Business Credit Journey, with no hard credit check and no impact on your credit. It's available to Chase business checking customers and Chase Ink cardholders directly from their account. That's the good news. The catch is this is monitoring, not a full business credit report, and it only covers one bureau out of several that actually score your business.

Stop treating "free business credit score" like it's one thing

Most business owners have never seen a single business credit score in their life. Not because it doesn't exist, but because unlike personal credit, business bureaus are not obligated to hand you free access the way the FCRA forces Equifax, Experian, and TransUnion to do for consumers through annualcreditreport.com. There's no business-credit version of that law. Chase's own education content is blunt about this: you are not entitled to a free annual business credit report, and some bureaus will hand you one report for free and then charge you for anything after that.

So when Chase says "free," they mean something specific: two Dun & Bradstreet scores, viewable inside your Chase business banking account, at no cost, with no hard pull. That's genuinely useful. It's just not the whole picture, and treating it like the whole picture is how business owners get blindsided when a lender pulls a completely different score from a completely different bureau.

As of June 9th, Chase joined Bank of America as one of only two major banks in the country offering both of these Dun & Bradstreet scores for free to their business customers. Before that, if you wanted both scores without paying, Bank of America's Business Advantage plan was basically your only option. Now Chase, the largest bank in the country, opened it up to its entire business customer base. That's a real shift in how accessible this data is.

What Chase's Business Credit Journey actually shows you

The two scores Chase displays are:

• Dun & Bradstreet Small Business Financial Exchange (SBFE) Score — generally runs from about 700 to the high 900s. Higher means lower risk. This is arguably the most overlooked score in business credit, because it plays a real role in whether you get approved for high-limit business credit cards. The score alone won't get you a high limit — you still need good personal credit and comparable existing limits — but when a big bank pulls this score and it's strong, getting approved for a higher limit tends to get easier.
• Dun & Bradstreet Delinquency Predictor Score — a separate D&B score Chase displays alongside the SBFE Score, intended to reflect payment risk. Chase doesn't publish the exact methodology behind it, so treat the number as a general risk indicator rather than a precise forecast.

Both scores update over time, and Chase says you'll get alerts when they change along with some insights on how to improve them. No hard credit check happens when you enroll or check your scores, and Chase states plainly that using the tool does not impact your credit.

Business Credit Journey vs. everything else out there

Notice what's missing from the Chase tool: Experian and Equifax business data, and any FICO-branded small business score. Chase itself names Dun & Bradstreet, Experian, and Equifax as the three major business credit bureaus, and separately notes business credit reports can also be ordered through FICO. Business Credit Journey only pulls from one of those. If a lender you're applying with checks Experian or Equifax instead of D&B, your Chase dashboard won't tell you what that lender is seeing.

Also don't confuse this with Chase's other free tool, Credit Journey, which is a personal credit score product available to anyone regardless of whether they bank with Chase. Business Credit Journey is a separate product tied to a business banking relationship, and it only shows business scores, not your personal ones.

How to check your scores through Chase

1. Confirm you qualify. You need either a Chase business checking account or a Chase Ink business card (Unlimited, Preferred, Cash, or Premier). If you don't have either yet, that's the first gate to get through.
2. Watch your email for the enrollment invite. Chase has been rolling this out via email invitations. Search your inbox for anything referencing "Business Credit Journey" — that's your entry point.
3. Log into your Chase business banking account. Once enrolled, the tool lives inside your normal Chase business online or mobile banking environment. No separate app or account creation required.
4. Locate your two scores. You'll see the SBFE Score and the Delinquency Predictor Score, along with a note on what each one measures.
5. Set up score-change alerts. Chase lets you get notified when either score moves, so you're not manually checking every month.
6. Review the improvement insights provided. Chase's tool includes guidance on factors that may be influencing your scores — use this as a starting point, not a guarantee of any specific change.
7. Separately register for a D-U-N-S Number if you haven't. This is free through Dun & Bradstreet and is generally required to have a business credit file with them in the first place. If you've never registered, your file may be thin regardless of what Chase shows.
8. Pull data from other bureaus periodically. Since Chase only covers D&B, check whether Experian or Equifax offers a complimentary first report so you're not flying blind on the bureaus a given lender might actually use.

A worked example

Say you run a small landscaping company and bank with Chase for your business checking. You get the enrollment email, log in, and see an SBFE Score of 780 and a Delinquency Predictor Score that puts you in a lower-risk band. That's a solid signal — it means, on the D&B side at least, your payment history and business profile look healthy to lenders who pull that specific score.

Now say you go apply for a business line of credit with a different bank, and that bank pulls your Experian business report instead of D&B. Your Chase dashboard never saw that file, so a late vendor payment reported only to Experian wouldn't show up anywhere you've been monitoring. Your SBFE score staying strong doesn't protect you from a surprise on a bureau Chase simply doesn't display. This is the exact gap that trips people up — they assume one clean dashboard means their business credit is fully accounted for everywhere.

The bottom line

If you bank with Chase and have a checking account or an Ink card, go check your email, get enrolled in Business Credit Journey, and start actually looking at your SBFE and Delinquency Predictor scores — most business owners never look at either one. But don't stop there. Business credit is scattered across multiple bureaus with no single free source that covers all of it, unlike personal credit where the FCRA forces at least one annual look at all three. Treat Chase's tool as one window into your business credit health, not the whole house.

If you're not sure where your credit profile — personal or business — actually stands right now, our Credit Reset Quiz walks you through where the gaps are and what to prioritize first. Individual results vary, but knowing what you're actually working with is the starting point either way.