Similar to your personal credit, your business credit file follows you everywhere, tracking your payment history, outstanding balances, business transactions, and more. Dun & Bradstreet uses this data to calculate a series of business credit scores and ratings. Business partners, like potential lenders and creditors, can get a glimpse into the financial health of your company by checking your D&B business credit file. By nature, these scores and ratings can fluctuate often, changing based on your financial activity.