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Basics of Business Credit

Inquiries on Your Business Credit File

What Do Inquiries Mean on a Business Credit File?

Interested in learning more about recent inquiries into your Dun & Bradstreet business credit file?* It’s not uncommon for a business’s credit scores and ratings to be reviewed by outside parties. We’ve put together an infographic to help you understand who may have purchased your business credit file and why they might be interested in your company’s financial stability. Click on the infographic to get the full view or read on for more information.

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Who’s Looking at My Business’s Credit File?

There are many organizations that may have a legitimate interest in reviewing your business’s credit scores and ratings. Among these are current or potential customers, suppliers, lenders, or leasing agents. Your business’s credit file can provide guidance to these parties as they evaluate the financial stability of your company. Unlike personal credit files, anyone can purchase business credit reports.

What Can They Learn From My Company’s D&B Credit Scores and Ratings?

A business’s credit file can contain extensive information on the company, including its past payment history, the number of people it employs, and publicly reported earnings. These are some of the details that can factor into a company’s Dun & Bradstreet business credit scores and ratings. For example, the PAYDEX® Score is based on up to 875 payment experiences with a company. The range of scores runs from 1 to 100, with a higher score indicating a better record of on-time payments. Other scores and ratings include the Delinquency Predictor Score, Financial Stress Score, and Supplier Evaluation Risk Rating.

Why Would Someone Consult My Business’s Credit File?

Your customers, suppliers, lenders, and other business partners may be trying to manage their credit risk. Companies working with you for the first time will not have a prior relationship on which to base your credibility, and Dun & Bradstreet’s records can help them decide whether or not to do business with you. Business credit scores and ratings can also help lenders determine how much credit to extend to your company. Customers or partners who already have a contract with you may be monitoring your scores and ratings to make sure that their supply chain is protected, as a decrease or increase in one of your scores and ratings could indicate instability.

How Can I Get Alerts on My Business Credit Scores and Ratings?

Completely free to use, CreditSignal® alerts you when new inquiries are made into your business’s credit file. You’ll also be able to monitor when changes occur to your business’s Dun & Bradstreet credit scores and ratings. Register today and join countless other business owners who have taken the first step to managing their company’s credibility.

*Inquiries are the number of individual product(s) purchased by a customer(s) on a Dun & Bradstreet D-U-N-S® Number in a rolling one-year time period. Although the specific name of the inquiring customer(s) is not available, your product may allow you to see the inquiring customer’s industry.

†CreditSignal only indicates that your D&B scores and ratings have changed and alerts you when your business credit file has been purchased. To view actual scores and ratings and learn about what industries are purchasing your D&B file, we recommend that you upgrade to one of our business credit monitoring or credit building solutions. Please note, due to the proprietary nature of these inquiries and inquiry requests, only the industries in which the purchasing customers reside will be revealed.

 

Your Business Credit File infographic

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