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

Does Your Small Business Need a Credit Card?

Charge It!

In addition to term-limited vendor credit, a small-business credit card is one of the most reliable and effective sources of credit financing for a new small business. Inexperienced small-business owners, however, must take care to protect their personal assets, as well as the financial well being of their ventures, when applying for or managing credit cards.

On the one hand, utilizing personal credit cards, leveraging personal assets, or taking advantage of lines of home-equity credit to increase your company’s purchasing power is almost always a bad idea. On the other hand, business credit card issuers do not offer robust protections against predatory lending, as issuers of consumer credit cards are required to do.

The 2009 Credit Card Accountability and Responsibility Disclosure Act, which outlawed predatory lending practices and arbitrary interest rate-hikes, does not apply to small-business credit cards; in many cases, business owners are personally liable for the debt associated with their business credit cards, whether they realize it or not!

In order to protect yourself and position your business for long-term financial success, you need to keep your personal and business credit strictly separate. If possible, apply for a no-personal-guarantee business credit card, and if you must provide a personal guarantee, then make sure that any reports filed by your lender will not affect your personal credit score.

As a new small business, you will most likely receive a card with a low spending limit and a slightly higher interest rate, but all that matters is that you make regular purchases and pay your bills on time in order to establish credibility.

Defend Yourself: Spend Wisely, Monitor Your Scores and Ratings

While some small-business card issuers have decided to voluntarily adhere to certain aspects of the CARD Act regulations and restrictions, many have not adopted the more important protections, such as CARD’s prohibition of arbitrary interest rate-hikes, excessive fees, and universal default. Under universal default, the interest rate increases if your credit bureau reports a late payment to any other creditor, even if you have paid your small-business credit card account on time. In other words, you could end up paying dearly for a simple reporting mistake.

Your lender will report any and all credit card payments to the major credit monitoring agencies, such as Dun & Bradstreet, and monitoring agencies use reported data to compile a comprehensive credit report for your business — a report that lenders, vendors, and customers will often scrutinize before doing business with your company. The best way to make sure that the information in your report is accurate? Utilize online tools from Dun & Bradstreet to monitor and manage your scores and ratings with the help of real time alerts, detailed reporting, and benchmarking.



Marshall Walker Lee graduated Summa Cum Laude from the University of Michigan's Honors College with degrees in Writing and Philosophy. As a freelance writer and designer he has developed branding strategies and programming for J. Walter Thompson, Nike, the Kellogg Foundation, Spike TV, Sony Films, and General Motors. He is the co-founder and director of Poor Claudia, a 501(c)3 non-profit publishing enterprise based in Portland, Oregon.