The Regions Visa® Business Enhanced Credit Card normally uses TransUnion for approval, though Regions Bank sometimes uses reports from Equifax or Experian, according to anecdotal evidence. Regions Bank checks your personal credit history because this card requires a personal guarantee. This means that you are personally liable for any debts the business cannot pay.

Key Things to Know

• The Regions Visa® Business Enhanced Credit Card requires good credit or better.
• When you apply, Regions Bank will perform a hard inquiry on your personal credit report, which might temporarily damage your credit score by a few points.
•  If you're approved, Regions Bank will report your account usage information to business credit bureaus, including Equifax, Experian, and TransUnion.
• Keep in mind that your major consumer credit reports contain nearly identical information. So, if one includes negative information, the other two probably will as well. It's a good idea to check for any mistakes on your credit report so you can dispute them right away.

You can keep tabs on your TransUnion credit report as well as check your credit score for free, right here on WalletHub.