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

Let us distribute your VERIFIED
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
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

Can You Build Business Credit Without a Social Security Number?

business-credit-without-social-securityFor credit-savvy small-business owners, establishing a credit rating under their business’s name is a top priority. A creditworthy business shields its owners from liability for business debts, and makes the task of record-keeping and filing taxes easier.

Business credit also helps small-business owners avoid damaging their personal credit ratings by putting large business expenditures under their own names, which can distort their debt-to-limit ratios, making it difficult to qualify for mortgages or auto loans.

But, can you build business credit without a Social Security number? Obviously, once a business has an established credit file, financing options that do not rely on the business owner’s Social Security number will be available. But, what about the initial phase of building business credit? Can small-business owners avoid getting their Social Security numbers involved in building business credit while the business is still in its formative stages?

A Solid Foundation

Before attempting to build business credit, small-business owners need to get all of their ducks in a row, so to speak. They’ll need to get a Tax ID.  They’ll also need to establish their business as a separate legal entity by organizing it as a corporation or LLC. The next priority should be to establish a business checking account, and to get a dedicated business phone line.

By registering with the business credit bureau Dun & Bradstreet, small-business owners can obtain a D&B D-U-N-STM number, which is a unique numeric identifier used by potential creditors to verify a business’s legitimacy and credit history. Getting a D-U-N-STM is another important step in building business credit.

Getting Started

Once a business is properly positioned to start building business credit, it can start to do so by prudently managing vendor accounts, equipment leases, and deferred payment plans offered by vendors such as Internet service providers. By paying these accounts off early, small-business owners can enhance their business credibility bit by bit.

At this stage, business loans and lines of credit are likely to require a personal guarantee, and thus, a Social Security number. But once a business has proven its ability to manage these entry-level accounts, other types of financing should become available without a personal guarantee.

What About Business Credit Cards?

Before the financial crisis, small-business owners had a lot more options when it came to small-business credit cards that did not require a personal guarantee. These days, such cards are relatively rare in the small-business sector. Some do exist, but it is not in the best interest of the credit card companies to advertise that fact. The bottom line when it comes to true business credit cards for small businesses is that if you do find one, you’ll need excellent business credit to qualify.


John R. Klaras is a serial entrepreneur and small business professional, a writer, and an educator by trade. With nearly a decade of experience in the telecommunications industry, he is currently in the process of building a burgeoning new microbusiness. He has written for leading companies in a wide variety of verticals, including travel, finance, motorsports, and real estate.