Wells Fargo Business Credit Card: 5 Honest Facts About Reporting to Bureaus

What we know

If you hold a Wells Fargo business credit card (for example their “Signify” business line), there are two reporting tracks you need to understand: reporting to consumer/personal credit bureaus and reporting to business/commercial credit bureaus.

Reporting to Personal Credit Bureaus

• According to multiple sources, Wells Fargo business cards do not report regular account activity (positive info) to consumer credit bureaus such as Equifax, Experian or TransUnion. FinanceBuzz+3Credit Strong+3WalletHub+3
• Some sources say Wells Fargo may report negative information (e.g., serious delinquencies) to those bureaus. For instance, NerdWallet says: “Wells Fargo … Yes [reports], but only negative information.” NerdWallet
• A WalletHub answer states: “No, Wells Fargo business credit cards do not report to the personal credit bureaus.” WalletHub

So, bottom line: if you’re using a Wells Fargo business card and paying on time, keeping balances under control, that activity typically will not appear on your personal credit report (or at least not in the positive-activities sense). However, if things go wrong, there is some risk that it could show up.

Reporting to Commercial/Business Credit Bureaus

• Wells Fargo documents itself state: “We may report information about your Account(s) to credit bureaus and/or consumer reporting agencies in your name and in the name of your business organization.” wellsfargo.com+1
• Independent sources say Wells Fargo does report business card activity to business/ commercial credit bureaus (such as Dun & Bradstreet or the Small Business Financial Exchange (SBFE)), but apparently not to all three major consumer bureaus for business credit. According to one article: “Like U.S. Bank, Wells Fargo reports to D&B and the SBFE but not Equifax or Experian.” eCredable Business
• A “when does Wells Fargo report” article says: “Wells Fargo reports business credit card activity to commercial credit bureaus. Using the card responsibly can help build your business credit profile over time.” Ramp

Thus: yes — your business card at Wells Fargo can help build business credit (which is good), but you must verify exactly which business bureau(s) they report to (because perhaps not all).

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So, in plain Gen-Z speak:

• If you get a Wells Fargo business card, your personal credit likely won’t show nice behavior (on-time payments, low balance) from that card.
• But if you screw up, you might still see negative info on your personal report.
• For your business, yes — the card can build your company’s credit profile (as long as you use it responsibly).
• If you were hoping this card would boost your personal credit score by showing up like a regular card, it probably won’t in the typical sense.

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Does Wells Fargo Offer a Secured Business Credit Card, and Does It Report?

This is more nuanced.

Is there a Wells Fargo secured business credit card?

• According to one recent blog: “Wells Fargo does not currently offer secured business credit cards.” Ramp
• If that’s accurate, then there is no “secured” version of their business card (i.e., a version where you deposit collateral and then draw credit).

If there were one (or if you’re asking hypothetically) – would it report?

• Since they don’t currently offer a secured business card, there’s no publicly available policy specific to “secured business card” for Wells Fargo.
• But given their existing reporting policy for business cards, we would infer: if they did offer a secured version, it likely follows the same pattern — business-card activity reported to business bureaus, little to no positive reporting to personal bureaus, with negative possibly reported.
• Always check the cardholder agreement for the precise language — for example Wells Fargo’s regular business agreement states they may report to “consumer reporting agencies in your name and in the name of your business organization.” wellsfargo.com

So for now: there is no secured business card from Wells Fargo (as of the sources) and thus no specific reporting policy different from their standard business card.

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Why This Reporting Distinction Matters

For your personal credit

If you are a business owner and you want to separate your personal credit from your business finances, it’s good to pick a card that won’t report all activity to your personal credit report. With Wells Fargo’s business card, you get some separation — you don’t get full benefit of the card boosting your personal credit score, but you also reduce the risk of day-to-day activity hurting your personal report.

For your business credit

Building a separate business credit profile is important — it helps your company qualify for loans, lines of credit, vendor terms, and so on. By using a business card that reports to commercial bureaus, you can establish a credit history for your business entity (not just you personally). Wells Fargo reports (at least to D&B / SBFE) so it helps in that dimension.

For application & guarantee purposes

Even though Wells Fargo’s business card may not report positive activity to your personal consumer credit file, they still typically check your personal credit when you apply (because small businesses often require personal guarantee). So you can’t assume “no effect on me personally at all.”

For secured vs unsecured

If you were hoping to use a secured business card as a safe way to build business credit without affecting personal credit, you’ll have to look at other issuers (because Wells Fargo doesn’t offer one, by reported sources).

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How to Use This Wisely — Practical Tips

Here are some actionable things you can do if you’re considering or using a Wells Fargo business credit card:

1. Check the card agreement: When you get the card (or before you apply), review the terms: especially the “credit reporting” section that says what they will report and to whom. For Wells Fargo, it states they can report to consumer reporting agencies “in your name and in the name of your business organization.” wellsfargo.com
2. On-time payments matter: Just like with personal credit, timely payments help your business credit profile. Late payments can damage both business and personal credit (in the negative info scenario).
3. Keep balances low relative to limit: Even if the card doesn’t show up on your personal consumer report for positive activity, having a high utilization may still harm your business credit profile and it raises your risk of late payments.
4. Monitor your business credit: If you want the card to help build business credit, monitor your business credit profiles (via D&B, SBFE exchange, etc). Wells Fargo’s reporting means you have a shot at building good business credit using the card. smallbusinessresources.wf.com+1
5. Be cautious about assuming personal-credit benefit: If you were counting on your personal credit score improving because you got this card, you should pivot your expectations: this card is not primarily for that purpose.
6. For building personal credit: If building personal credit is also on your agenda, consider separately getting a personal credit card (or a business card that reports to personal bureaus) so you can generate positive personal consumer-credit history.
7. If a secured business card is your strategy: Since Wells Fargo doesn’t offer one (as per sources), you’ll need to look to other issuers if you want a “business secured” route for building business credit with a deposit.

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Summary

• Yes — Wells Fargo business credit cards can report information.
• To business credit bureaus: Yes — you can build business credit.
• To personal consumer credit bureaus: Generally no for positive activity; possibly yes for negative/serious delinquency.
• They don’t currently offer a secured business credit card (so you don’t have to worry about a different secured-reporting policy for Wells).
• Use the card responsibly if you want to build business credit and maintain personal credit hygiene.

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