Business credit reporting agencies are the eyes and ears of the business world. They collect and organize different types of information, which helps companies to make better decisions. Today, some businesses do not have any formal credit reporting agencies - such as startups or small businesses. Some organizations only use one type of business credit reporting agency – such as big corporations or government institutions. To avoid pitfalls, small businesses should use their judgment in deciding what type of business credit reporting agency to use and how much they represent their needs. Though there are numerous business credit reporting agencies, the main three are: Dun and Bradstreet Experian Business Equifax Business Credit