Yes. Credit Key reports to Dun & Bradstreet monthly, covering both on-time and negative payment history, so paying on time can help build a business credit file. Its FAQ does not list reporting to Experian, Equifax or TransUnion, and applying uses a soft inquiry on the owner's personal credit.
What is reported
| Question | Answer from Credit Key's FAQ |
|---|---|
| Which bureau? | Dun & Bradstreet |
| How often? | Monthly |
| Positive and negative? | Both |
| Does applying appear on personal credit? | No; it is a soft inquiry |
What that does for you
Dun & Bradstreet files are checked by suppliers and some lenders when they decide on trade credit. On-time payments on Credit Key orders add experiences to that file. Late payments do the reverse.
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Request a personal loan through our lender network. It is a separate service from Credit Key and the request is free.
What it does not do
- It does not report positive history to consumer bureaus, according to its FAQ.
- It does not remove the personal guarantee.
- It does not guarantee a higher limit; limits follow periodic credit refreshes.
Getting more from it
- Make sure your business has a D-U-N-S number and that your details match.
- Use Net 30 and pay on time.
- Add two or three vendor accounts that also report.
- Check your D&B file a few months in.
Business credit and personal credit, side by side
| Business file (D&B) | Personal file | |
|---|---|---|
| Credit Key payments reported | Yes, monthly | Not listed in its FAQ |
| Application inquiry | Not applicable | Soft; not visible to lenders |
| Used by | Suppliers, some lenders | Card issuers, most small-business lenders |
| Affected by default | Yes | Possible, through the personal guarantee |
For a small business both files matter. Credit Key helps the first and depends on the second.
Common questions
Does Credit Key report to Experian?
Its FAQ names Dun & Bradstreet only.
Will a late Credit Key payment hurt my credit?
Negative history is reported to Dun & Bradstreet. Because the owner guarantees the debt, serious default can also have personal consequences.
Sources
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.