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Business Credit Questions

Receive a FREE Business Credit Consultation* from
Dun & Bradstreet

While establishing a strong business credit file can be vital to your business success, it can be easier said than done. That’s why Dun & Bradstreet is offering you a FREE business credit consultation.* Our knowledgeable and certified professionals will give you the personalized attention your business deserves, offering insight and guidance specific to your company’s business credit needs.

Ask your credit advisor:

  • How do I set-up my D&B® business credit file?
  • Can I have someone help me manage my business credit file?
  • How can I separate my personal credit from my business credit?
  • What can I do to help impact my business credit scores?
  • How can I check business credit on other companies?
  • How can I use business credit to help mitigate risk?
  • How do I compare with others in my industry?
  • How can business credit help me grow my business?

Learn how business credit scores MAY affect your business

Your D&B® business credit scores may be used by others to help evaluate your company’s ability to repay its bills on time, the likelihood your company will default on payments, predict whether your company will experience financial distress, the likelihood your company will deliver on its promises and more.

D&B PAYDEX® Score – The PAYDEX Score indicates how quickly a company has paid its bills. More...
The D&B PAYDEX score indicates a company’s payment performance based on the total number of payment experiences in D&B’s file. PAYDEX scores range from 1 to 100, with higher scores indicating better payment performance. For example, a PAYDEX score of 80 or higher shows a bank that your company represents a low risk of late payment.
D&B® Delinquency Predictor Score – The Delinquency Predictor Score predicts the likelihood that your business will make a severely late payment. More...
The D&B Delinquency Predictor Score predicts the likelihood that a company will pay in a severely delinquent manner (91+ days past term) over the next 12 months, seek legal relief from creditors, or cease operations without paying all creditors in full over the next 12 months based on the information in D&B’s database.
D&B Financial Stress Score® The Financial Stress Score predicts whether your business will experience financial distress or failure. More...
The Financial Stress Score (FSS) predicts the likelihood that a business will experience financial distress over the next twelve months, such as filing for bankruptcy. The Financial Stress Score is comprised of a company’s: business history, payment habits, and industry norms. Scores range from 1 (Low Risk) to 5 (High Risk).
D&B® Supplier Evaluation Risk Rating (SER) – The SER Rating predicts whether your business will deliver on its promises. More...
The D&B Supplier Evaluation Risk (SER) rating predicts the likelihood that a supplier will cease business operations or become inactive over the next 12-month period. The SER Rating scoring system uses statistical probabilities to classify public and private companies into a 1-9 risk rating, where 1 represents low risk and 9 represents high risk.
Inquiries* – Inquiries are defined as the number of individual product(s) purchased by a customer(s) on a Dun & Bradstreet D-U-N-S® Number within a certain time frame. More...
Inquiries are requests received by Dun & Bradstreet, Inc. (“D&B”) from businesses interested in your company’s credit file. Dun & Bradstreet makes no representation and warranties with regard to such inquiry or number of inquiries.
D&B® Rating – The D&B Rating is based on a company’s net worth and an overall credit assessment. More...
Dun & Bradstreet provides that an Alternative Rating represents the absence of a D&B Rating and should not be interpreted as indicating that credit should be denied but rather it indicates that the information available to D&B does not permit it to classify the company within its Rating Key, and that further inquiry should be made before reaching a credit decision. Some reasons for using the Alternative Rating can include deficit net worth, bankruptcy proceedings, lack of sufficient payment information, or incomplete history indicator.