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

A Credit History Tells the Story of Business Success

A credit history tells potential lenders and others much more about a business than just how a company has paid its bills.

Credit Histories Provide Detailed Company Histories
Old BooksA business credit history will generally include details on the company’s history, including incorporation details obtained from filings made in the state where the company is headquartered. Other information included in this section will detail ownership information, and background information on management, which could include the educational and career history of the company principals.

Related companies, including identification of parent, affiliates, subsidiaries, and/or branches worldwide will also be noted in a complete credit history.

Another section of the credit history will include information on past and present legal activities that could impact a company’s financial stability, and operations. Public filings can include bankruptcies, lawsuits, liens, judgments, and Uniform Commercial Code (UCC) statements, which contain details on assets pledged as collateral in secured financing agreements.

Public record information is collected from multiple sources in all fifty states, and the District of Columbia. In addition, credit reporting agencies may cover all federal bankruptcy courts, and track nearly all business-related failures filed in the U.S.

Credit Histories Expand With a Business

Dun & Bradstreet is a business credit reporting agency that offers a large variety of useful business tools. The D&B PAYDEX® is a dollar-weighted indicator of a business’s payment performance, based on the total number of payment experiences in D&B’s file. The PAYDEX® score ranges from 1 to 100, with higher scores indicating better payment performance. This measures the past, and is a snapshot in time that could change, based on how a business does in the future.

Your PAYDEX® score reflects past payment history, and payment trends. Payment experiences are gathered by D&B from suppliers, and other vendors with whom a firm does business. Each experience reflects a different supplier, and demonstrates how bills are met,relative to the terms granted.

Up to 875 payment experiences are used to generate the PAYDEX®, and up to 80 representative payment experiences are reported in your credit report. As your business grows, the number of credit experiences will grow, and your credit history will reflect that growth.

Photo Credit: Tom 7, Flickr. 

Author:

Michael Carr is a small business expert who has been involved in the successful development of three small businesses.