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Home » Business Credit Basics » What’s in my business credit profile?
What’s in my business credit profile?
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What’s in my business credit profile?

Information that goes into creating a business's credit profile comes from a variety of primary and secondary sources, such as:

Payment and banking data from company suppliers
Suits, liens and judgments, UCC's, business registrations, incorporations and bankruptcy filings from state and county courthouses
Corporate financial reports
Contracts, grants, loans, and debarments from the federal government
Web mining
News and media
Yellow Pages and other print directories
And, in the case of your Dun & Bradstreet business credit profile, direct investigations and interviews with company principals (i.e. self-reported data) and other companies that you work with

To enhance the accuracy, timeless, consistency and completeness of the information that goes into your file, Dun & Bradstreet puts every data point through a patent-pending quality process called DUNSRight®, a system of quality assurance (including over 2,000 automated and manual checks) and five consecutive quality drivers that make sure that your profile is as correct and comprehensive as we can make it.

Dun & Bradstreet has created a proprietary set of key ratings and scores that use information gathered from these sources to present an unbiased view of creditworthiness. A complete Dun & Bradstreet business credit report includes the following proprietary scores and ratings:

Dun & Bradstreet Rating: an overall assessment of your business’s creditworthiness and viability
PAYDEX Score: a predictive indictor that measures the likelihood of your business paying within an agreed-upon timeframe
Credit Limit Recommendation: Dun & Bradstreet's guideline as to how much credit should be extended to your business
Financial Stress Score: a measurement of the likelihood that your business will experience financial stress in the next 12 months

Dun & Bradstreet uses statistical models to develop a company’s scores and ratings. The most significant contributing factor to that rating is the promptness with which you pay your bills. Mathematical methodology creates a score that shows, on average, how many days beyond terms your company pays and whether you pay within terms. This information is factored into almost every score or rating that Dun & Bradstreet provides. The more prompt the payment history, the better your business credit scores and ratings will be.

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