Manage My Business Credit

  • CreditBuilder™: Add good payment history to impact your D&B® scores
  • CreditMonitor™: Monitor your credit file in real time with detailed info about changes to your D&B scores
  • CreditSignal®: Receive free alerts to changes in your D&B business credit file

Manage My Business Credit For Me

Monitor Another Company's Credit

Not sure which product is right for your business?

Our Credit Advisors are standing by

to assess your needs and help point
you in the right direction.

Call Today Call 800-700-2733


Ask about our Concierge service.

Business Directory

Business Services

  • VERIFIED™: Get your business data VERIFIED™ to help protect your business identity online
  • Business Shield: Helps protect your company by alerting you to potential warning signs of business identity theft
Help manage your
business identity and
reputation


Let us distribute your VERIFIED
information
to up to 90% of US
consumers searching online.

Call Today Call Today! 800-700-2733

Sign up for FREE today!
Help protect your business identity against inaccuracies and business misrepresentation online and across social media properties
Get it now text

Enterprise Solutions

If your company is looking for a custom enterprise data solution, contact us at
1-800-264-0947 or businessdevelopment@dandb.com
Lead Advisor
Better Data, Better Results
Whether you're a list professional or a first-time marketer, our lead experts will work with you to help you target, segment, and select the list most likely to work for you. Learn More.
Call today 1-855-455-8039

Free D-U-N-S Services

Expedited D-U-N-S Services

  • Small Business Starter™: Promote your business online and get an expedited D-U-N-S and business credit file
  • DUNSFile™: Get a D-U-N-S and basic business credit file in 5 business days or less
Company Update
Update your company info today. It's free!
Review and update your existing D&B® credit report, dispute inaccuracies, add financial statements, and review public filings.

Don't have a D&B report? Get your FREE
D&B D-U-N-S now.
Get Started

5 Credit Card Terms You Can Renegotiate

After Building Your Credit, Renegotiate for Better Terms


MathEstablishing and building business credit is not as easy as it used to be, and for many entrepreneurs, it can be all-too-easy to become complacent in their credit standing. But, if you have been paying your credit card bills on time and you have a history of excellent credit management, then you may have more negotiating power than you realize.

It is time to start using that power to save money. Here are five credit card terms that you may be able to renegotiate.

Annual Fees

Most business credit cards carry high annual fees that can add up over time. But, the thing is, credit card issuers do not have to charge you those fees if they don’t want to. Now that you have established yourself and your business as being creditworthy, request your credit card issuer to waive your annual fees.

On a side note, this usually works best with traditional non-reward credit cards, not high-end or airline cards that tend to offer special services and benefits.

Late Fees

Accidents happen, and sometimes all it takes is for a busy mail delivery day for your payment to show up a day late. When this occurs, your credit card issuer will charge you a late fee. But, if you have a long history of paying on time, then there is a good chance that your credit card issuer will remove the late if you call to request it.

In fact, many credit card issuers allow one late fee to be removed per year; all you have to do is call and ask.

Credit Limit Increase

Building a strong credit history with your credit card company will enable you to qualify for occasional credit limit increases that can go a long way toward helping improve your business credit score. The key to this working is to request a credit line increase without changing the way you currently use your credit card. The higher your available balance ratio, the better your credit is going to be.

Better Rewards

If you have proven to be a good card user over an extensive period of time, you might be able to convince your card issuer to upgrade your rewards package to one that is better suited to your credit card purchasing habits.

Due Date Change

Requesting a change in due dates is something that anybody can do, not just those with excellent credit. After all, credit card issuers want to ensure that you are able to make your payments, so if that means changing your due date from the first to the fifteenth, when you have more cash flow, then odds are they will comply with the request.

Keep in mind, however, that not all business credit cards have set due dates per month, so if yours is one that has fluctuating due dates, then this may not work.

Photo Credit: mehmetdeveci, Flickr. 

Dave Donovan

Author:

Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.