Tento vs Experian — business credit monitoring compared
Experian sells business credit reports and monitoring built on its own Intelliscore Plus score. As of August 2026, ongoing monitoring (Business Credit Advantage) is $199/year and one-time reports run $39.95–$69.95 — the free tools are a company search and a score planner, not your score. Tento starts with the score itself: the numeric Equifax business credit score, free for two months. Free for your first two months, then $14.99/month if you choose to subscribe. No credit card to start; cancel anytime in your dashboard.
| Tento | Experian Business | |
|---|---|---|
| Price | $0 for your first two months, then $14.99/month if you choose to subscribe. No credit card to start; cancel anytime in your dashboard. | Business Credit Advantage monitoring is $199/year; one-time reports are $39.95–$69.95, as of August 2026. |
| What the free tier shows | Your actual Equifax business credit score (a number, not a grade), score alerts, AI explanations and a cash-flow view — for two full months. | A business search and score-planner tools — seeing your score and report is paid. |
| Numeric score or a grade? | Numeric score, shown from day one. | Numeric Intelliscore Plus score — on paid reports and monitoring. |
| Whose credit data | Equifax business credit data. | Experian’s own business credit data (Intelliscore Plus). |
| AI explanation of your score | Yes — an AI companion explains what is driving your score in plain language. | No AI score explanation advertised as of August 2026. |
| Financing built in | Yes — Tento offers equipment financing and working capital directly, with one application. | No financing marketplace — reports and monitoring. |
The short version
- Experian’s free tools don’t include your score; Tento’s free period shows the numeric Equifax score.
- Experian monitoring is $199/year up front as of August 2026; Tento is free for two months, then $14.99/month, cancel anytime.
- Experian shows its Intelliscore Plus; Tento shows your Equifax business credit score with AI explanations and a cash-flow view.
- Experian sells reports; Tento pairs the score with financing you can apply for in the same place.
When Experian Business might fit you better
- You specifically need your Experian Intelliscore Plus — for example, a counterparty told you which report they pull.
- You want a single one-time report rather than ongoing monitoring, and $39.95–$69.95 once fits that better.
Experian Business pricing and packaging as of August 2026, from public pages: Experian business products & pricing (experian.com) . Check the provider's site for current pricing. Tento facts describe the product itself.
As of August 2026, Experian’s free business tools are a company search and a score planner — seeing your business credit score and report is paid: one-time reports at $39.95–$69.95 or Business Credit Advantage monitoring at $199/year.
Experian Business Credit Advantage is $199/year as of August 2026. Tento is free for your first two months — no credit card to start — then $14.99/month if you choose to subscribe, and you can cancel anytime in your dashboard.
Experian shows its own Intelliscore Plus. Tento shows your Equifax business credit score, updated monthly, with an AI companion that explains what is driving it and a cash-flow view alongside.
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