Relay reports Relay Visa® Credit Card payment activity to three major commercial credit bureaus (Equifax, Experian, and Dun & Bradstreet) and does not check or report to personal credit bureaus.
Who this is for
Business owners applying for or using the Relay Visa® Credit Card
Beneficial owners who want to view their business credit score inside Relay
Team members and advisors who need to understand what shows on personal versus business credit
The Relay Visa® Credit Card is available only to businesses that meet the eligibility requirements confirmed during in-app application review. See How to Apply for the Relay Visa® Credit Card for the full list.
Does Relay run a credit check when I apply for the Relay Visa® Credit Card?
No. Applying for the Relay Visa® Credit Card does not require a personal or business credit score check. Eligibility is confirmed during in-app application review based on your business's activity with Relay.
Which credit bureaus does Relay report to?
Relay reports Relay Visa® Credit Card payment activity to the three major commercial credit bureaus:
Equifax
Experian
Dun & Bradstreet
Reporting covers payment behavior on the card, such as whether balances were paid on time.
Does the Relay Visa® Credit Card affect my personal credit score?
No. Relay does not report Relay Visa® Credit Card activity to personal consumer credit bureaus such as Equifax Consumer, Experian Consumer, or TransUnion. Only your business credit profile is affected.
How does on-time or late payment activity affect my business credit?
On-time payments help build your business credit history over time, while late payments may negatively impact your business credit profile with Equifax, Experian, and Dun & Bradstreet.
What Relay reports to the commercial bureaus:
Whether balances were paid on time
Whether the account is in good standing
Standard commercial-tradeline information for the Relay Visa® Credit Card
How do I view my business credit score from my Relay account?
You can view your Business Credit Report Dashboard, hosted by Hansa, directly from the Accounts tab in your Relay account.
Sign in to your Relay account
Go to the Accounts tab
Select your Credit Account from active accounts
Click "View Your Credit Score," located at the top near your next auto-payment date
Review your Business Credit Report Dashboard, hosted by Hansa
Who can access the business credit score in Relay?
Only beneficial owners on the account can access the Business Credit Report Dashboard from within Relay. Team members and advisors will not see the "View Your Credit Score" option in the Accounts tab.
If you need to add or update a beneficial owner, see How to update your business ownership or beneficial owners in Relay.
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