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

Which Factors Impact Your Business’s Credit Score?

business-credit-factorsEvery small-business owner knows that their business credit score affects their ability to take out a business loan, but that’s not the only reason building solid credit should be a priority. Good business credit enhances a business’s reputation, improves its capacity to manage cash flow, and serves as a lifeline in trying times. It can also lead to better business opportunities, and even increase the value of the business itself.

As important as business credit is, small-business owners owe it to themselves to develop an understanding of the factors that affect their business’s credit ratings. What are they?

Payment Track Record

When it comes to paying bills, business owners should adopt a policy of paying ahead of schedule whenever possible. The earlier bills are paid, the higher the business’s PAYDEX® score will rise. The PAYDEX® score is an important metric in the eyes of lenders and potential business partners. Businesses that consistently pay their bills on the due date will typically have a PAYDEX® score of 80, but scores of up to 100 are possible, so it’s best to aim high.

Business Financials

Even creditworthy businesses may be turned away for financing if their financial affairs are not in order. Factors such as a business’s debt ratio, its debt service coverage ratio, and its loan-to-value ratio can all impact its credit rating. In addition to maintaining healthy operating capital, business owners should make sure to keep the business credit bureaus updated on their current financial affairs, as outdated financials can reflect negatively on a business’s creditworthiness.

Application History

When a business applies for multiple sources of credit in short succession, credit bureaus and potential lenders may see it as a sign that the business is in desperate need of capital. Small-business owners with aspirations of establishing solid business credit ratings should try to keep credit applications to a minimum whenever possible.

Business Credit Monitoring

While business credit monitoring itself does not directly impact a business’s credit ratings, business owners who regularly monitor their business credit tend to have healthier credit than those who do not. Credit monitoring services such as CreditMonitorTM from Dun & Bradstreet help business owners better understand the factors that impact their credibility.

With this awareness comes a greater capacity to favorably impact credit scores. In addition, credit monitoring alerts business owners to negative changes to their business credit files, which allows them to mitigate the damage that these changes might cause if they went unnoticed.


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.