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

Use Reliable Data to Set Credit Limits

Setting credit limits requires a detailed knowledge of a customer’s payment history and financial condition. This is not an easy task.

Understand the Risks Customers Present

Customers are important to a small business, since success would be impossible without sales to customers. However, customers also present a risk to your small business. When you make a sale, your business will often deliver the goods or services that you produce to the customer on credit. The credit terms will usually require payment in a fairly short amount of time.

Payment in as little as ten days may be required, in some instances. It would seem unlikely that a business could encounter severe financial problems in such a short time. In reality, problems may build slowly, but over time, they could suddenly become impossible to work around.

Setting the proper limit will require access to information about a customer’s payment history, and insight into their current financial condition. Most customers will be reluctant to provide this information, and most businesses lack the expertise to analyze the data if it was available.

Obtain Recommended Credit Limits From Experts

Dun & Bradstreet is a company that offers a wide variety of useful tools for evaluating a business’s credit. They collect data from thousands of businesses and have the expertise to analyze that information. One service they offer includes a Credit Limit Recommendation, which provides two suggestions as to the amount of credit a business may receive. A Conservative Limit is a dollar benchmark that can be used if your policy is to extend less credit to minimize risk. An Aggressive Limit is a dollar benchmark that offers guidance if your policy is to extend more credit with potentially more risk

These recommendations are made based upon the size of business, industry, and likelihood of slow payments or financial distress. Recommended limits are especially useful when dealing with a new customer or prospect that you do not have a previously established credit record for.

Author:

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