Business credit monitoring, without the guesswork

Monitoring alone does not move a score

This is the part most tools leave out. A monitoring product tells you what a bureau already holds. It does nothing to change it. A business credit file only grows when someone reports payment activity into it, and most small vendors never do. That is why a business can pay every invoice early for a year and still have a thin file.

Ruproa reports as well as reads. Your payment activity goes to Creditsafe and Equifax Business every month, so the file you are watching is the file you are building. If you want the mechanics, the tradeline guide explains what actually counts as reportable activity.

What you actually see

• Two bureau files, one view

  Creditsafe and Equifax Business side by side, so you can see when the two disagree. More bureaus are on the way. Your D&B file is not among them and is checked with D&B directly.

• Scores on the real scale

  The Equifax score shown is the OneScore for Commercial, which runs from 300 to 650. Knowing the actual range matters: a 516 reads very differently on a 300 to 650 scale than on a 0 to 100 one.

• Tradelines as they post

  See which vendor accounts have actually reported and which have gone quiet, so you find out a vendor never reported before it costs you a year.

What it costs

A real account, free forever. The dashboard, your company profile, and the education. Pulling your live bureau file is the paid step. There is no trial on any plan, so nothing switches itself on or starts charging you later.

• Free

  $0

  Free forever

  • Your business credit dashboard
  • Company profile built on your EIN, no SSN
  • Marketplace: vendor tradelines, guides & tools

• Starter

  $19/mo

  Unlock your live credit file. See your report, your score, and what to fix

  • Pull your live business credit report from Creditsafe
  • Your real business credit score, updated monthly
  • Score monitoring, refreshed every billing cycle

• Professional

  $49/mo

  Ideal for growing businesses seeking funding

  • Live reports from both bureaus: Creditsafe & Equifax Business
  • Monthly credit score monitoring
  • Detailed credit analysis reports

Full breakdown on the pricing page.

Common questions

Which bureaus does Ruproa monitor?

Creditsafe and Equifax Business, with more bureaus on the way. Ruproa is not affiliated with Dun & Bradstreet and does not supply Paydex scores or DUNS numbers; those you handle with D&B directly.

Do I need a Social Security Number?

No. Ruproa onboards on your EIN. Your personal credit file is not pulled and stays separate from your business credit file.

Is monitoring free?

A Ruproa account is free forever and includes your dashboard, your company profile and the education. Pulling your live bureau file is the paid step, starting at $19 a month. There is no free trial on any plan.

What is the difference between monitoring and reporting?

Monitoring shows you what a bureau already holds on your business. Reporting sends your payment activity to that bureau so the file grows. Ruproa does both, which is why a profile builds while you watch it rather than only after you act.

How often does the data refresh?

Monthly. Your scores update and your payment activity is reported on the same monthly cycle, so what you see and what lenders see stay in step.

New to this? Start with building business credit with your EIN, or see how long it actually takes.