As an everyday consumer you may not see a need to purchase a business credit report. However, you may need to get one the next time you hire a subcontractor to do work on your house or other business that you plan to do work with. These reports can provide you with basic information on the credit history of the company like payment history, bad credit and current credit information. For a higher fee, you may also be able to get more detailed information about the company, including information on Uniform Commercial Code (UCC) filings.

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