What this check doesn't cover yet
The free check answers one question: is anything visibly wrong with how your business appears in public records? That is the diagnosis, and you now have it. The items marked Not run below are checks we do not run yet — some cost money, some we are still building. They are listed because they are questions a lender's system asks about you, and you are better off knowing they are being asked even where we cannot yet answer them.
UCC liens and judgments — we haven't looked, and neither have you. A UCC financing statement is filed against your business by a lender, a lessor or an equipment vendor. It is public, it is pulled during underwriting, and nothing requires anyone to tell you it is there. Old filings covering equipment you paid off years ago routinely sit unreleased, and they read as active debt. Do you know what is on file against your company right now? Would you rather find out before your next application, or in the middle of it?
Your full state record. The officers and principals the state has on you, your filing history, your annual-report and agent standing, and the date your next filing is due. A partner who left three years ago and is still listed is a live problem, and most owners have never once looked.
What your address classifies as. Residential, commercial, or a mail-receiving service. Underwriting systems flag mail drops and virtual offices specifically, and a CMRA classifies as commercial — so nothing else on this page would have told you.
Everything we are about to report about you. The exact legal name, address and identifiers on the tradeline we furnish to Experian on your behalf. Nobody else can show you this, for the simple reason that nobody else is the one filing it.
We keep looking, for a year. While your account is active we go back and re-run these checks, and this page updates whenever the state gives us something new. We won't promise a schedule: public records are only as available as the state chooses to make them, and some registries are slow or go quiet without warning. What we will do is keep checking — because standing changes quietly, an unfiled annual report is the usual cause, and the state does not write to tell you.
On DUNS, since everyone asks: we can't look up your DUNS record, and neither can anyone else selling you a fundability report. Dun & Bradstreet issues it to the business itself, free, on request. It is still worth doing, though not for the reason it is usually sold — requesting one opens a D&B file on your business, and that file's establishment date starts then, whether or not you have a single tradeline yet. It is free at dnb.com. Anyone charging you for a DUNS number is selling you something you can have for nothing.
What the $49 actually covers
• Your Peak Discounters account, open for a year — with your payment activity reported to Experian Business every month. That is the $49.
• A year of us watching your state record, with this page kept live and updated whenever the state gives us something new. Included — no extra charge, and no fixed schedule we can't keep.
• The checks above, as they land. We are building them out, and everything we add reaches you at no extra cost. No date on it, and no promise for a state whose records we cannot reliably reach.
So the $49 buys a year of your account being reported — and the $49 itself comes back to you as merchandise credit once your orders reach $250 for the year. Order what you were going to order anyway and the whole thing has cost you nothing.
Why it is worth doing today rather than later. The one thing you cannot buy back is time on file. A business credit file is built out of months, and a month that was never reported is a month you do not get back. The sooner an account is open and reporting, the sooner that clock starts.
Show me everything a lender can see — $49
Full report · a year of Experian reporting · your report page stays live · your $49 credited back at $250 of orders.
What this is, and isn't. Every finding above is a public-record or DNS fact you can verify yourself — we've said where each one came from. This is not a credit report, it does not touch your personal credit, and it deliberately produces no score. A number would imply we know how a lender will weigh these. We don't, and neither does anyone selling you one.
We also can't promise you funding, an approval, a timeline, or a PAYDEX figure — here's the full list of what we won't claim.