Does Brex Check Your Credit Score? 🏦

Brex does not perform a hard credit check when you apply for an account. Instead, they use alternative underwriting methods to evaluate your business’s financial health, focusing on factors like cash flow, spending patterns, and business history.

How Brex Evaluates Applications ✅

• No hard credit pull – Your personal/business credit score isn’t impacted.


• Soft credit check (optional) – Only if you apply for Brex’s credit products (like the Brex Card).


• Focuses on business metrics – Revenue, bank balances, and spending behavior.

Why Businesses Love Brex 💳

✔ No personal guarantee required for most accounts.
✔ Fast approval based on real-time financial data.
✔ Ideal for startups and high-growth companies.

FAQs About Brex & Credit Checks ❓

Does Brex report to credit bureaus?
Brex reports business credit activity to commercial bureaus (like Dun & Bradstreet) but not personal credit agencies.

Can you get approved with bad credit?
Yes! Since Brex doesn’t rely on traditional credit scores, even businesses with poor credit may qualify.

Does Brex check personal credit for the corporate card?
Typically no, unless you opt into credit-building features.

For more details, check Brex’s official underwriting policy [here](https://brex.com). 🚀