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

Health Insurance Exchanges and Your Business

health-insurance-exchangesProviding health insurance for employees is a very powerful tool for attracting and retaining highly-skilled employees. Unfortunately, for many small businesses, doing so can be quite expensive.

Larger business organizations generally pay nearly 20 percent less per employee for health benefits, which makes it difficult for small businesses to offer competitive benefits. However, recent changes to health care legislation may level the playing field.

In addition to providing tax credits of up to 35 percent, to help small businesses provide affordable health insurance, the new laws allow for the establishment of health insurance exchanges. These new health insurance marketplaces are designed to provide small businesses with the kind of purchasing power heretofore reserved only for large business organizations.

So how exactly will these health insurance exchanges work? When do they start? And how will they affect your small business?

Competition Is Good for Business

Businesses with up to 100 employees will be able to shop for health insurance options in health insurance exchanges, starting in January 2014. These SHOP (Small Business Health Options Program) exchanges will be a marketplace where insurance companies compete to win the patronage of small businesses.

Competition tends to drive prices down, and lower health insurance costs are one of the projected benefits of these SHOP exchanges.

Up to the States

The Affordable Care Act gives each state the right to establish their own health insurance exchanges, which would have the benefit of being run by health insurance authorities that are well-acquainted with the specific insurance needs of businesses and consumers in their area.

While many states have indicated that they will form their own health insurance exchanges, some states have declined to participate, largely for political reasons. Business owners in those states can utilize a partnership exchange, or join the federal exchange instead.


Businesses with 100 or fewer employees will be eligible to purchase health insurance policies from the exchanges, starting in 2014. Individuals are also eligible to participate, bringing affordable health care within the reach of both freelancers and the self-employed.

Will Your Business Be Required to Offer Health Insurance?

In short, no. Additionally, small businesses with fewer than 50 employees will be exempt from paying employer responsibility requirements. These fees are only levied against large employers that do not offer affordable health coverage to their employees, currently less than four percent of all U.S. businesses.

The funds collected via employer responsibility requirements will be used to offer tax credits to low- and middle-income families, in order to offset their health insurance premium costs.


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.