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Free business credit reports are available to your business if it has been denied credit based on the information provided in the credit report. This works just like it does for a consumer. You will be notified from the financial institution that you have been denied credit and they will tell you where they obtained their information on the business credit history. You will then need to contact the business credit reporting agency and request in writing (on company letterhead and officially signed by the owner or an officer of the company) a copy of the business credit report. After receiving it, check it for completeness and accuracy.