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

How to Provide Trade Credit References Without Putting Your Business at Risk

Trade Credit ReferencesTrade credit references can be a tricky subject. While it seems like open sharing of credit information would benefit everyone, there are risks attached that warrant caution. Providing inaccurate information or misrepresenting the facts can lead to litigation–even if it is done accidentally. Creditors who do so can be sued by their customer for damages. A negative reference, even if it’s accurate, can result in customers taking their business elsewhere.

There are no laws requiring creditors to provide references. As a result, many creditors limit the information they are willing to disclose and some have a policy of refusing all credit requests. While a certain level of care is deserved, simply following a few credit reporting guidelines can enable you as a creditor to share valuable information, build relationships, and avoid negative consequences.

The 5 Basic Guidelines for Providing Trade Credit References

1. Limit your response to accurate, factual information.

2. Be sure to follow antitrust laws that regulate the confidentiality of credit information.

3. Respond by fax, e-mail, or snail mail rather than by phone. This will ensure that you have a written record of your response.

4. Stay professional–never make off-hand or “off the record” comments about a customer. These have a tendency of getting back to the customer.

5. Stick to the standard credit reference information.

Standard Credit Reference Information

Creditors conventionally limit their response to credit reference requests to just a few fundamental pieces of information. By stringently adhering to this format, credit departments can be sure that they are providing only objective information without any side comments that can be construed as “misrepresenting the facts” or otherwise damaging a customer’s reputation. Of course, there are variations, but the following are the most common metrics provided in a trade credit reference:

  • Date the account was opened
  • Timeliness of payments
  • Credit limit
  • Highest balance
  • Balance currently owed
  • Balance past due (if any) and how far past due it is
  • If and how the account is or was secured



After graduating with a B.A. from Occidental College, Ben Wills worked for several political non-profits on economic policy, government transparency, and public accountability issues.