Basics of Business Credit

Is Your Dun & Bradstreet Business Credit Profile Incomplete?

How and Why to Update Your Business Credit Profile

Your Dun & Bradstreet business credit profile contains basic details about your company, along with scores and ratings intended to help third parties judge the creditworthiness and financial stability of your organization. Dun & Bradstreet regularly collects data on companies and their payment habits in order to compute scores and ratings. If your business credit profile is incomplete, Dun & Bradstreet may be having difficulty aggregating or verifying information about your company. When another company accesses a business credit report on your company, it could be presented with incomplete information or scores that are calculated without all the data. We’ve created an infographic to help business owners understand why maintaining their business credit profile can be important and what they can do to help ensure it’s complete.

What Information Is Contained in My Company’s Dun & Bradstreet Business Credit Profile?

A robust business credit profile contains a company’s name, address, phone number, earnings, number of employees, and other fundamental details about the business. A business credit profile may also include the various proprietary credit scores and ratings that Dun & Bradstreet assigns to companies, including the PAYDEX® Score, Supplier Evaluation Risk Rating (SER), and the Financial Stress Score (FSS). These scores and ratings help potential lenders and partners understand your company’s financial situation and may influence their decisions about doing business with you.

How Does Dun & Bradstreet Collect This Business Information?

Dun & Bradstreet gathers some of this data from third-party sources such as print directories, reports from vendors (including Trade References*), and public documents. However, these resources don’t always have accurate or up-to-date information. As the business’s owner, you can help correct inaccuracies or oversights about basic business details.

Why Is It Important to Maintain My Company’s Business Credit Profile?

Banks, vendors, and other potential business partners commonly check a company’s business credit scores and ratings prior to extending funds or signing a contract. An incomplete business credit profile may leave them with unanswered questions. Additionally, Dun & Bradstreet may not be able to match Trade References and financial details to your company if there is incomplete information in its business credit profile.

What Can I Do to Complete My Company’s Business Credit Profile?

Business owners concerned that their Dun & Bradstreet business credit profile is incomplete can verify and update basic details for free with D‑U‑N‑S® Manager. You may be able to see which information is missing, and you can review vendor Trade References for inaccuracies.

Can I Check My Company’s Business Credit Profile?

Yes! In fact, monitoring your business’s credit scores and ratings can provide you with an unbiased look at how others may view the creditworthiness of your company. CreditSignal®, a free product, alerts you to changes in your Dun & Bradstreet credit scores and ratings. The alerts can be extremely useful if you’re in the running for a contract or loan, as your business partners may also be aware of these changes. CreditBuilder Plus can help you monitor your business credit and add Trade References to your business credit file.

What Else Should I Know About Business Credit?

Monitoring your business credit profile is the first step; building and maintaing your business credit can help your company expand and thrive. We know you’re busy, but devoting some time to managing your business credit profile may pay off with additional contracts, more favorable loan terms, and a better reputation among your vendors and partners.


*Trade References will be added subject to Dun & Bradstreet verification and acceptance. Dun & Bradstreet cannot guarantee that trade references will be accepted or that accepted trade references will impact your business credit file. Please see for eligibility, process and other information regarding Trade References.

†CreditSignal only shows certain of your Dun & Bradstreet scores for 14 days, then provides directional changes to such scores. It also indicates the number of individual request(s) for information, which may include but is not limited to credit information, by a unique external customer(s) on a D-U-N-S® Number. To view additional scores and ratings, view scores and ratings following the 14 day period, or learn about what industries are making such requests, we recommend that you upgrade to one of our paid credit monitoring or credit building solutions. Please note, due to the proprietary nature of these inquiries, we do not provide the names of the companies inquiring on your business credit file– only the industries in which they reside.


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