Small Business

Check Your Business Credit Scores and Ratings

What’s Business Credit?
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.
Why Business Credit Matters
Regardless of where you are in your business journey—whether you’re just starting out, trying to improve cash flow, or looking to expand— maintaining a strong business credit file can be essential to your success. That’s why it’s important to know what’s inside your business credit file.

How to Check Your Business Credit Scores and Ratings

D&B Credit Insights Tiers Available:

Free

$0/mo

Free Includes:

✔ See risk range indicators for five scores & ratings:

  • PAYDEX® Score
  • Delinquency Score
  • Failure Score
  • Supplier Evaluation Risk (SER®)
  • Maximum Credit Recommendation

✔ Summary information of legal events and business operations

✔ Basic company information

✔ Scores, ratings, inquiries, alerts & notifications, both in app and/or via email

✔ Payment history summary

✔ Financial ratios

✔ Number of Inquiries* on your business with new inquiry alerts

✔ Integrate your business bank account (powered by Plaid)

Basic

$49/month

Or $499/year (save $89 with annual billing)

Everything in Free, Plus:

✔ 24/7 access to view six actual scores & ratings:

  • PAYDEX® Score
  • Delinquency Score
  • Failure Score
  • Supplier Evaluation Risk (SER®)
  • Maximum Credit Recommendation
  • D&B Rating (not available in Free)

✔ Detailed legal events: Suits, Liens, Judgments, UCC filings

✔ Organizational family tree

✔ Historical trends of your credit scores & ratings

✔ Detailed payment history (Detailed history of past “payment experiences” and "trade lines" summarized by industry.)

✔ Financials (View a financial statement comparison, income statement, balance sheet and financial ratios.)

✔ Details of Inquiries on your business with new inquiry alerts

✔ Dark web monitoring powered by Flashpoint** (Includes up to three of your selected business email addresses.)

Plus

$149/month

Or $1,499/year (save $289 with annual billing)

Everything in Free and Basic, Plus:

Dark web monitoring powered by Flashpoint** (Includes up to five of your selected business email addresses.)

Insights on Other (Review and compare your business's scores and ratings alongside up to five chosen companies.)

Extended Data Provide Documentation (Upload regular termed payments, business banking statements or financial statements for possible inclusion into your business credit file or scores and ratings.)

Need Help Deciding?

To speak with a small business solutions expert

Concierge Service available