Halfway through the year is the moment to find problems while there’s still time to fix them. Most business owners don’t pull their business credit reports until they need funding — which is exactly when it’s too late to clean up issues.

Why June Specifically

June lands you in a sweet spot. You have six months of payment history reported for 2026. Any errors are recent enough to be fixable, and you still have six months to strengthen your profile before year-end funding decisions.

1. Pull All Three Business Credit Reports

• Dun and Bradstreet for the PAYDEX score and D&B profile.
• Experian Business for the Intelliscore Plus.
• Equifax Business for the Business Delinquency Score.

2. Verify Business Identity Information

• Legal name matches your state filing exactly.
• Address matches what’s on file with the IRS and your bank.
• Phone number is a business line, not a cell.

3. Check for Tradeline Errors

• Accounts you don’t recognize.
• Closed accounts still showing as open.
• Wrong payment statuses such as a paid invoice marked late.
• Duplicate listings of the same account.

4. Review Your Score Trends

• Compare to your January 2026 baseline.
• A score that’s flat for 6 months means your strategy isn’t producing growth.

5. Audit Personal Guarantees

List every business account where you signed a personal guarantee. Some lenders will release guarantees after 12 to 24 months of clean payment history if you ask.

6. Check Your UCC Filings

Pull a UCC search through your state’s Secretary of State. Old UCC filings can scare off new lenders even when the underlying debt is gone.

7. Calibrate Against Your Q3 and Q4 Funding Plans

Are you planning to apply for new credit in the next 6 months? What score range will you need to qualify?