Home » FAQs
FAQs
Search FAQ and Policies
Data Collection Practices and Policies
What are D&B’s Data and Privacy Policies ?
Who is allowed to update my report?
Where does your data come from?
Why were my requested changes rejected or not made?
Suits, Liens, and Judgments
UCC Filings
Financial Statement
Trade Reference Information
Corporate Families
Standard Industrial Codes - SIC
North American Industry Classification System - NAICS
 
Rating and Scoring Definitions
D&B Rating Description and Tables
How calculated
Paydex
 
Security /User Authentication
How do I change my password for iUpdate?
I forgot my password, can I still get access?
Is D&B iUpdate Secure?
Can other companies view our business information through iUpdate?
What are D&B’s Data and Privacy Policies
 
Technical
What happens if I find an error that I can't fix?
Can I use this web site if I have my popup blocker enabled?
 
Updates
Can any type of company use iUpdate?
When will my changes be reflected in the D&B Business Information Report on my company?
Is it possible to update all of the company information in our D&B file via iUpdate?
How do I know that my changes have been submitted?
How often should I update my information?
Do I have to update all of the information?
Why should I update my information?
How do I enter financial information?
How do I update my Branch Report?
 
DUNS Number Requests
What is a D&B DUNS Number?
When will I receive my D&B DUNS Number?
How will I receive my D&B DUNS Number?
How do I get access to iUpdate after receiving my D&B DUNS Number?
What is D-U-N-S Expedited?
What is D-U-N-S Registered and what are the benefits?
Can any type of company apply for a D&B DUNS Number?
 
Business Information Report (including the D&B Credit Rating)
What is a BIR?
Where is the D&B Credit Rating?
What does the D&B Credit Rating mean?
When do changes appear in the Business Information Report?
 
What is D&B iUpdate?
Can any type of company use iUpdate?
When will my changes be reflected in the D&B Business Information Report on my company?
When will I receive my D&B DUNS Number?
How do I update my information so it matches CCR?
Can I get a list of companies that report trade experiences to D&B?
How do I add trade references to my file?
How do I enter financial information?
Why should I update my information?
How often should I update my information?
FAQ Topics
What is D&B iUpdate?

iUpdate is D&B's Internet-based service that allows business principals to view, print, and request updates their company information.

What will a D-U-N-S number do for my business?

The D&B D-U-N-S® Number is a unique nine-digit identification sequence, which provides a unique identifier of single business entities, while linking corporate family structures together. D&B links the D&B D-U-N-S® Numbers of parents, subsidiaries, headquarters and branches on more than 64 million corporate family members around the world. Used by the world's most influential standards-setting organizations, it is recognized, recommended and/or required by more than 50 global, industry and trade associations, including the United Nations, the U.S. Federal Government, the Australian Government and the European Commission. In today's global economy, the D&B D-U-N-S® Number has become the standard for keeping track of the world's businesses. If you want to learn more about what a D-U-N-S number can do for your business click here (https://eupdate.dnb.com/basics.asp)

Can any type of company use iUpdate?

No. Government entities, public companies, and companies no longer in business are unable to make changes to their company information via iUpdate. If you qualify as one of these entities and an update is necessary, please call our Customer Resource Center at 1-800-234-3867 Monday – Friday, 8am – 6pm.

When will my changes be reflected in the D&B Business Information Report on my company?

It generally takes 13-15 business days for changes to be seen in the D&B Business Information Report.

When will I receive my D&B DUNS Number?

It takes a minimum of 30 business days for a new D&B DUNS Number to be processed. Get your D-U-N-S® Number within 24 hours with D-U-N-S Expedited and build an online custom profile with D-U-N-S Registered. Call 1-866-594-2464 today for more information.

How do I update my information so it matches CCR?

Updates and questions related to Central Contractor Registrations (CCR) should contact D&B's Government Customer Response Center at 866-705-5711

Can I get a list of companies that report trade experiences to D&B?

In order to obtain accurate information from reliable sources, D&B maintains confidentiality agreements with trade experience providers that prevent us from releasing their identity.

How do I add trade references to my file?

D&B does offer a solution that allows you to provide references for D&B to call and request a payment experience. This is a fee based service. If you are interested in ordering this service, please call 800-333-0505 to speak to one of D&B’s Solutions Consultants.

How do I enter financial information?

From the iUpdate Main Menu select “Submit Financial Statement”. Follow the instructions provided to enter your current financial statement details.

Why should I update my information?

D&B is the leading provider of business information. Every day thousands of businesses use D&B to get an objective, third party view of a company that they currently work with or may soon work with. You, as a businessperson, need to ensure the accuracy of the information that is being reported on your company.

How often should I update my information?

You should update your information at least 1-2 times a year or as changes occur within your company.

Back to Top
 
Data Collection Practices and Policies
What are D&B’s Data and Privacy Policies

D&B's privacy policy can be found at http://www.dnb.com/US/home/privacy_policy/index.html.

Who is allowed to update my report?

D&B will accept updates to a company’s information from a currently listed officer, principal of the business, or an individual authorized by the company’s management to provide information to D&B.

Where does your data come from?

D&B receives content information directly from businesses as well as from approved and qualified third party sources. These sources can include but are not limited to: Secretary of State Records, courthouse records, vendor who report payment references and licensing authorities.

Why were my requested changes rejected or not made?

To maintain accuracy of significant business information, D&B data update policies require certain change requests to be verified by a third party prior to entry. If verification cannot be confirmed, the change request will be denied. This policy is to assist in protecting you and your company from possible identity theft and to ensure the information contained in D&B’s report meet the criteria and guidelines established by D&B.

Back to Top

Suits, Liens, and Judgments (SLJ)
Where does D&B get Suit, Lien, Judgment (SLJ) data?

D&B collects information from various sources which include the following:

  • Automation directly from the court
  • Third-Party vendor outsourcing
  • Independent contractor outsourcing

How many courts/filing locations does D&B collect SLJ data from?

SLJ’s are collected in all 50 states plus Puerto Rico and the U.S. Virgin Islands. D&B covers more than 3000 filing locations throughout the US. Our coverage captures 80% to 85% of all business related SLJ’s filed at the State and Federal District Court levels. The majority of the filings come from the following states: CA, FL, IL, IN, MI, NJ, NY, OH, SC, TX.

Length of time from filing until D&B displays a SLJ in the report

On an annual basis, D&B collects more than 2.9 million SLJ’s of which

  • 52% are available within 30 days of the original filing date,
  • 76% are available within 60 days and
  • 89% are available within 90 days.

Does D&B collect status updates?

Approximately 35% of the SLJ in the Public Records Database is a status update.

The filings that remain open are usually a result of the court changing its docket number system, limited court access to status updates, changes in court accessibility or the court not maintaining a judgment or status update index.

D&B mirrors the court system. If the courts do not accommodate a reasonable method to obtain updates D&B must rely on updating the filing at the time of report revision. More automated options are becoming available making the status update process more efficient. In addition, D&B has discovered through verification procedures that many creditors do not file the paperwork with the courts to satisfy a judgment once it has been paid.

When does a filing get removed from a BIR?

There are three ways this occurs.

  • First is through a detailed recheck process. If a company challenges the status of a filing displayed in their report and the filing is determined to be “closed” the customer may request it be removed at that time.
  • Secondly, on an annual basis D&B cleanses its database to remove the following filings:
    • Suits and Judgments that have been inactive for 10 or more years
    • Liens that have been inactive for 11 or more years of inactivity.
  • Third, a customer challenges the accuracy of a filing associated to their company’s report. D&B will review and remove the filing if it is determined the record was incorrectly attributed to the company.

Does D&B collect criminal, as well as civil filings?

No. D&B gathers and enters only civil business-related filings into its database. Criminal cases are not collected from the court but are often received through news sources and entered into a report as both a Special Event and a History comment.

Does D&B collect every SLJ filed in the US?

No. D&B collects approximately 80%-85% of all business related SLJ’s filed at the state and federal court levels. The state level is where the majority of litigation occurs.

Does D&B collect Mechanics Liens (Contractors Liens)?

D&B no longer collects mechanics liens.

If an officer of a company is sued will it be displayed in the BIR?

No. D&B only collects business related civil filings (defendant is a business). D&B does not collect any criminal data such as felonies. However, this information should be shared with the Severe Risk Department.

How current is D&B’s SLJ information?

D&B provides approximately 52% of the filings to our customers within 30 days of the filing date, 76% are available within 60 days and 89% are available within 90 days.

Back to Top

UCC Filings
What is a UCC filing?

  • The Uniform Commercial Code (UCC) is a law governing commercial transactions. The law intends to standardize and provide a "uniform" set of rules to govern commercial transactions which are often conducted across state lines.
    • Revised Article 9 requires that UCC’s must be filed in the state of organization of the registered entity (Incorporation), and not the state of the location of the asset, starting on July 1, 2001
  • A UCC Filing is called a "Financing Statement" which is a filing under the Uniform Commercial Code (UCC). It is a legal instrument that "perfects" the interest of the secured party in the leasing/financing of collateral to the debtor.
  • A UCC is valid for 5 years from the date of the ‘Original’ Filing. A ‘Continuation’ may be filed to extend the filing for another 5 year term. A ‘Termination’ may be filed to end the agreement prior to the 5 year expiration.

What is the purpose of a UCC filing?

  • A financing statement is a document stating that a secured party has a claim in certain property belonging to someone else.
  • The filed financing statement gives notice to anyone who might be interested that the secured party has a "perfected security interest" in the business' assets.
  • If other secured parties file financing statements naming the same debtor and collateral, the date of filing sets up a priority for payment on a first in time basis.
  • Typically, a person would not file a UCC financing statement unless they are engaged in some form of commercial transaction that involves a debtor and a secured party.

How does D&B collect UCC filings?

  • The data comes direct from the central filing locations and through third parties and contract collectors for remainder. Actual document copies are received for nearly all locations and automated index information from more than two thirds of the states (and growing). There are two states, GA & LA where filings are filed at the county/parish level and then aggregated at the state level. There are some instances (ND and MN for example) where occasional filings are made at the county level and not at the state level, these are generally for real property and are not high volume.
  • D&B currently maintains over 62,807,324 filings in the Public Record Database.
  • D&B does not file or review UCC’s. They are a legal document that cannot be altered unless otherwise dictated by a legislative act.

How often does D&B receive updated files?

  • D&B receives UCC data from the source at different intervals. D&B receives UCC data daily, weekly, twice monthly, or monthly depending on contractual agreements or technical limitations of the states. See Appendix A for frequency by state.
  • UCC data is collected on a daily, weekly, monthly and quarterly basis depending on the filing office. To determine the most recent date and frequency of collection, you can use this link to DNB.com http://www.dnb.com/us/. In the Public records area, click on Click here to find out where, when and how often D&B collects Public Records, choose your record type and location.

Do all UCC filings contain collateral?

No. There are UCC filings missing collateral. The current D&B policy is such that collateral information is not a mandatory element. Additionally, D&B does not measure the percentage of filings missing collateral.

Why do I see some very unusual “items” listed as collateral (e.g. a person’s name with a state and birth certificate)?

In some states, such as California, filings are no longer reviewed for legal content. As long as the appropriate form is used and the necessary fields are filled in, the state considers it acceptable.

Back to Top

Financial Statement
Why was my rating lowered after the financial statement was updated?

This may be due to revised ratios based on updated financial information. Anytime a report is updated, the overall credit rating is reviewed for accuracy. If a new financial statement is added to a report, the updated net worth is used to derive the first portion of the rating. Then, the financial ratios (current ratio, quick ratio, debt to equity, etc) are evaluated against the industry quartile averages. Depending on where the current ratios fall within these quartiles dictates the overall rating.

Why is the financial condition unbalanced when the financial statement balances?

This doesn’t mean the balance sheet did not balance; only the condition is unbalanced. The overall condition is based on the net worth and financial ratios of the financial statement listed in the report. If the financial statement indicates a negative net worth, an unbalanced condition is automatically assigned to the business. An unbalanced condition might also be assigned if the company’s financial ratios fall significantly below industry norms.

Do I need to provide an income statement with my company’s balance sheet to get a capital rating?

An income statement is not needed to receive a capital rating

Is it possible to get a rating without publishing the full balance sheet?

Yes, minimum requirement information will grant a capital rating. The information included in your report consists of the following: Current Assets, Current Liabilities, Current Ratio, Working Capital, Other Assets, Worth, Sales and Long Term Liabilities along with required statement item explanations to assist in providing clarity around the figures published in the report.

How long will it take for my financial statement to be reflected in my report?

D&B’s standard turnaround time to post information is within 13-15 business days

Can I enter partial figures in my credit report? (not a minimum requirement, just certain figures I want shown)

D&B will not accept or display partial figures of a financial statement.

Do the financials need to be audited or can I submit internally prepared data?

D&B can use internally prepared financial statements as long as they are book figures, not rounded or estimated

Why is my net worth less than what my equity section on my balance sheet shows?

If the financial statement is unaudited or the extent of audit is unknown, D&B will deduct certain intangibles from the net worth.

Can I use estimated or rounded figures?

Estimated figures will not be accepted. Only cents should be rounded to the nearest dollar.

Can I enter a fiscal balance sheet and an interim P&L?

No. P&L should reflect the same financial period of the balance sheet provide at the time of the update. It should be noted, only fiscal sales figures will be published in the summary of the report.

Can I only provide my P&L and not my balance sheet?

A profit and loss statement can be updated without a balance sheet; however, when a new update is done the profit and loss statement information is removed from the report. It should be noted, a P&L alone is not sufficient to have a Capital Credit Rating assigned.

Can I show my company’s sales/revenue figure but not our net income?

Yes

Back to Top

Trade Reference Information
D&B TRADE EXCHANGE PROGRAM FAQ’s
What is the D&B Trade Exchange Program?

The D&B Trade Exchange Program puts the power of D&B’s exclusive DUNSRight™ Quality Process to work for you and the entire business community every day.

D&B’s Trade Exchange Program offers the ability to share and access highly-predictive payment experience information. When businesses participate in the D&B Trade Exchange Program, they join a powerful network of data contributors providing over 1.5 billion accounts receivable updates annually, comprised of both favorable and unfavorable payment experiences. These trade experiences are incorporated into our Predictive Indicators, such as the D&B Rating, the D&B PAYDEX®, Detail Trade Risk Insight™, and other predictive scores and information available via D&B for the business community.

  • Your better-paying customers will appreciate that their good credit behavior will be reflected in D&B’s scores and predictive indicators.
  • Likewise, late-paying customers may be prompted to exhibit better payment behavior for the same reason, helping you to improve revenue collection.
Do I qualify to participate?

If you have more than 300 active accounts or are a current D&B DNBi or PPP customer you qualify to participate in the D&B Trade Exchange Program. A/R (accounts receivable) data can have a significant impact on D&B reports, thus making it imperative that all potential trade suppliers be evaluated in a consistent manner. This qualification process is proprietary and will not be shared externally. D&B reserves the right to deny participation in the D&B trade reporting program.

Is there a cost/fee for joining D&B’s Trade Tape program?

There is no cost/fee to participate in the trade program.

How many companies participate in the program?

D&B’s Trade Exchange Program today has approx. 5,000 partners.

How many trade experiences does D&B collect annually?

D&B receives approximately 1.5 billion trade references annually. Simply download your accounts receivable portfolio to the electronic format of your choice and we'll do the rest. D&B can accept most file formats and provides secure technologies for file transfers. You will be assigned a dedicated Project Manager and will always have an accessible D&B contact.

What is the process for becoming a D&B trade partner?

Download your monthly A/R (accounts receivable) information to the electronic media of your choice. With your input, D&B will write a customized program and incorporate your guidelines and specifications to accurately report your customer’s payment histories.

D&B will return an audit report prior to any reporting to ensure you are confident that the reporting accuracy conforms to your credit policies and guidelines.

How do I submit a lead for D&B’s Trade Tape program?

Website: http://www.dnb.com/risk-management/share-trade-data/14881773-1.html

What if a company has special requests on how certain accounts in their A/R file should be handled?

Various specialized routines can be added to the program to ensure the accounts receivable information is shown in the trade database exactly the way the customer requests. For example:

  • a company may want to show an account prompt, even if it is really slow
  • they may want to bypass certain accounts or select certain accounts
  • they may want to place a limit on how large a dollar amount is output
  • they may want to add a grace period

What kind of quality checks does D&B’s Trade Tape program have?

There are several quality checks in place:

  • A rules discussion with the customer that takes into consideration industry standards and the company’s credit philosophy.
  • A data sample is sent to customer for verification prior to the loading of the first Trade Tape submission.
  • For every monthly submission, computer programs monitor the dollar and percentage fluctuations. If there is a variation, the company is called to verify the information before the file is released into the trade database.
  • Every year, a printout of the A/R file, after it has gone through the program, is sent to the customer. The printout shows how the accounts are being presented in D& B reports. An attached letter asks the customer to verify that the payment experiences are accurate.

Is my accounts receivable information kept confidential and is my company name printed in any D&B products/services?

Your company’s participation in the D&B Trade Exchange Program is kept in strict confidentiality and not revealed to D&B customers when they access information from D&B nor is your company name printed in any D&B’s products/services.

What are the benefits?

In addition to leveraging the powerful D&B brand in your invoicing and collection process, listed below are the available benefits to you as a partner.

  • Free Access to D&B's Small Business Risk Insight (for DNBi or DNB.com customers that are non-financial companies)
  • SBRI is D&B’s solution for businesses either lending or extending credit to small businesses. Small Business Risk Insight acts as a data repository that collects and consolidates lending performance data from financial institutions on small businesses across the loan, credit card, and leasing industries. For more information on SBRI, contact your D&B Relationship Manager today.
  • Free Compare Profile Report
  • A side-by-side comparison of the credit history you have on your customers to D&B’s payment records, allowing you to: see how your customers pay you, see how they pay other suppliers, spot collection problems before they occur and take advantage of sales opportunities.
  • Free Portfolio Risk Analysis ($10,000 value) provided annually
  • D&B will segment your portfolio into risk classes, revealing customers likely to become delinquent.
  • Gain a macro picture of the risks and opportunities in your entire customer portfolio to help reduce delinquency, decrease operational expense and increase cash flow.

Payment Trend Definitions - High Credit, Now Owes, and Past Due

  • High Credit - The highest total amount owing within a one-month period on one or several invoices over the past twelve months.
  • Now Owes - Total amount owing at point in time reference is provided. It is not unusual to have account amounts open and current on a revolving account.
  • Past Due - Non-current portion of the total amount due or the amount which is considered late by the terms granted, as of the date the reference was reported. It does not mean the amount is still open and past due.

Back to Top

Corporate Family Designations

Corporate linkage is the relationship between different companies within a corporate family. Linkage occurs in the D&B database when one business entity "controls" another business entity because it has financial or legal responsibility for another business, creating a Headquarters/Branch or Parent/Subsidiary relationship.

The information in this section is updated monthly and reflects mergers, acquisitions, openings and closings through the update. For additional details that may have occurred after the update, please review the Special Events and History and Operations sections.

The following types of company family members, when available, will appear in the new "Corporate Family" section of the Business Information Report. This section appears in the "History and Operations" area of the report.

  • Global Ultimate: The Global Ultimate is the top most responsible entity within the corporate family tree.
  • Domestic Ultimate: The Domestic Ultimate is a subsidiary within the global family tree that is the highest-ranking member within a specific country.
  • Headquarters: A headquarters is a family member that has branches or divisions reporting to it and is financially responsible for those branches or divisions. If headquarters is more than 50% owned by another corporation, it will also be a subsidiary. If it owns more than 50% of another corporation, then it is also a parent.
  • Branch: A branch is a secondary location of its headquarters. It has no legal responsibility for its debts, even though bills may be paid from the branch location.
  • Parent: A parent is a corporation that owns more than 50% of another corporation. A parent can also be a headquarters if it owns branches.
  • Subsidiary: A subsidiary is a corporation that is more than 50% owned by another corporation and will have a different legal business name from its parent company. There are also single location subsidiaries where the subsidiary does not have anything reporting to it.
  • Affiliate: Affiliated companies are related to a business through common ownership by the direct parent company. All of them share the same parent company. A direct parent company is a corporation that owns more than 50% of another corporation's capital stock.

The number of family members is limited to 25 each for space reasons in this report. If a business has more branches, subsidiaries, or affiliates, you will be notified. You can use D&B's Global Family Linkage product to purchase the complete list.

Note that there are other types of family relationships that are not linked in the D&B database because the affiliated company has no legal obligation for the debts of the other company. Examples of these types of relationships include businesses affiliated through common officers or situations where one corporation owns a part or minority interest in another (50% or less).

Back to Top

Standard Industrial Codes - SIC

Standard Industrial Classification codes were developed by the Federal Government in conjunction with the U.S. business community during the 1930’s. They’ve proven to be a useful tool for professionals looking to segment domestic markets, analyze customer relationships, and conduct general business research.

SIC Codes divide all major economic activity into ten major divisions. The first two digits describe the nature of this activity in very general terms (i.e. Mining, Construction, Manufacturing). Remaining digits break down these categories into specific products and “sub-industries.”

If more than one SIC Code is assigned to a company, the first one listed is the primary line of business. The remaining codes, if any, comprise at least 10 percent of the firm’s annual revenue.

Back to Top

North American Industry Classification System - NAICS

The North American Industry Classification System was introduced in 1997 as a replacement for SIC Codes and now serves as the standard for the three NAFTA countries of Mexico, Canada and the U.S.

Developed at the urging of leading business economists, NAICS (pronounced “nakes”) offers classifications that more closely reflect the many new industries that have re-shaped the U.S. and global economy.

NAICS differs from SIC in that it focuses on business processes rather than on end products. It also captures many service industries currently under-represented in the SIC system.

Like the SIC Code, NAICS is organized into hierarchical classification groups that build from the detailed industry level. The United States, Canada and Mexico share the first five digits within the NAICS structure. The sixth digit is designed for country specific classifications and may differ from one nation to the next. However, the three countries have agreed to use many of the same six-digit designations.

To search for an SIC or NAIC code, please refer to http://www.osha.gov/pls/imis/sicsearch.html.

Back to Top
 
Rating and Scoring Definitions
D&B Rating Description and Tables

Quickly assesses a company's size and composite credit appraisal. For example, a company rated 3A3 has a worth of $1,000,000 - $9,999,999 based on an interim or fiscal balance sheet, and has a composite credit appraisal of 'Fair'. Click here for an online version of the D&B Ratings Key below. (https://www.dnb.com/ebir/help/summary_analysis.htm#rating)

D&B Ratings

The D&B Rating can help you quickly assess a firm's size and composite credit appraisal, based on information in a company's interim or fiscal balance sheet and an overall evaluation of the firm's creditworthiness.

The "5A" to "HH" Rating Classifications reflect company size based on worth or equity as computed by D&B. Company size can be an effective indicator of credit capacity. These Ratings are assigned to businesses that have supplied D&B with a current financial statement.

The Composite Credit Appraisal is a number, 1 through 4, that makes up the second half of the company's rating and reflects D&B's overall assessment of that firm's creditworthiness. The Composite Credit Appraisal is based on D&B analysis of company payments, financial information, public records, business age and other important factors (when available).

Note: A "2" is the highest Composite Credit Appraisal a company not supplying D&B with current financial information can receive.

The "1R" and "2R" Rating categories reflect company size based on the total number of employees for the business. They are assigned to company files that do not contain a current financial statement.

ER (Employee Range) Ratings apply to certain lines of business that do not lend themselves to classification under the D&B Rating system. Instead, D&B assigns these types of businesses an Employee Range symbol based on the number of people employed. No other significance should be attached to this symbol.

For example, a rating of "ER7" means there are between five and nine employees in the company. "ERN" should not be interpreted negatively. It simply means D&B does not have information indicating how many people are employed at this firm.

The D&B Rating field in a report may also display the following designations when certain conditions are present:

  • The '- -' Symbol: This represents the absence of a D&B Rating and should not be interpreted as indicating that credit should be denied. It means that the information available to D&B does not permit us to classify the company within our Rating Key and that further inquiry should be made before reaching a credit decision. Some reasons for using the "- -" symbol include: deficit net worth, bankruptcy proceedings, lack of sufficient payment information or incomplete history indicator.
  • DS (DUNS Support): This indicates that the information available to D&B does not permit us to classify the company within our Rating Key. When ordering these reports, an investigation can be performed and results sent to you at your request for an additional fee.
  • INV (Investigation Being Conducted): When an "INV" appears, it means an investigation is being conducted on this business to get the most current details.

Based on Worth from Interim or Fiscal Balance Sheet

Rating ClassificationComposite Credit Appraisal
HighGoodFair Limited
5A$50,000,000toand over1234
4A10,000,000to49,999,9991234
3A1,000,000 to9,999,999 1234
2A750,000to999,9991234
1A500,000to749,9991234
BA300,000to499,9991234
BB200,000 to299,9991234
CB125,000to199,9991234
CC75,000to124,9991234
DC50,000to74,9991234
DD35,000to49,9991234
EE20,000to34,9991234
FF10,000to19,9991234
GG5,000to9,9991234
HHupto4,9991234

Based on Number of Employees when financial statements are unavailable

Rating ClassificationComposite Credit Appraisal
 GoodFairLimited
1R10 and over234
2R1 to 9234

Key to Employee Range
Applicable to lines of business not covered by the D&B Rating system

ER11,000 or more
ER2500 to 999
ER3100 to 499
ER450 to 99
ER520 to 49
ER610 to 19
ER75 to 9
ER81 to 4
ERNNot Available

What is the PAYDEX score?

The PAYDEX score is a unique dollar-weighted numerical indicator of how a firm paid its bills based on trade experiences reported to D&B through its trade program.

A score of 80 denotes that payments reported to D&B have generally been made within terms. Scores over 80 indicate that payments reported to D&B have been made earlier than terms. The chart below outlines the specific 1-100 score and what it means.

PAYDEX ScoreIndicates the following payment practices:
100Anticipates
90Discounts
80Prompt
7015 days beyond terms
6022 days beyond terms
5030 days beyond terms
4060 days beyond terms
3090 days beyond terms
20120 days beyond terms
0 – 19Over 120 days beyond terms
UNUnavailable
How is the PAYDEX calculated?

The PAYDEX score is calculated using up to 874 trade experiences on a business. It compares payments to terms of sale, is dollar-weighted and scores the overall manner of payment reported to D&B over a 24-month period (PAYDEX).

How many payment experiences are needed to calculate a PAYDEX score?

A minimum of three experiences are needed to calculate a PAYDEX score, with a minimum of 2 unique trade suppliers.

If a PAYDEX is unavailable, what does that mean?

When a PAYDEX is unavailable, it is due to insufficient payment experiences in D&B’s file. It should not be looked at as a negative score.

Over what period of time is the PAYDEX calculated?

Currently D&B retains up to 24 months of payment experiences in the trade repository. D&B will use up to 874 payment experiences.

How do I use the PAYDEX?

The PAYDEX can be used:

  • To assist you in evaluating how a prospective customer pays their trade obligations
  • To help you prioritize collections efforts (e.g., gauge the severity of a payment problem)
  • As an at-a-glance overall assessment before reviewing details of a report in which it is contained
  • To help make credit decisions on low dollar orders
  • Using both the PAYDEX and the 3-month PAYDEX, you can compare long term and short term payment habits

Back to Top
 
Security
How do I change my password for iUpdate?
Registered users can modify their Password or User ID through the User Profile option within iUpdate.
I forgot my password, can I still get access?
Yes, select the forgot password link on the main login screen. You will be required to answer your security questions created during registration. Once verified your password will be e-mailed to you.
Is D&B iUpdate Secure?
D&B iUpdate is password protected and encrypted with the Secure Socket Layer (SSL) Protocol. In addition, any changes made to your company information get processed through our internal system, which has over 800 validation checks.
Can other companies view our business information through iUpdate?
No. Only those with access to your personal User ID and Password have the ability to access your business information. If you wish to purchase a D&B report on another company, please call 1-866-594-2464
What are D&B’s Data and Privacy Policies?
D&B's privacy policy can be found at http://www.dnb.com/US/home/privacy_policy/index.html.
Back to Top
 
Technical
What happens if I find an error that I can't fix?

Call our Customer Resource Center at 1-800-234-3867 from 8am – 6pm, Monday – Friday. Reference iUpdate when identifying your error.

Can I use this web site if I have my popup blocker enabled?

Certain features and functionality within this web site are launched in popup windows. If you are experiencing any problems in using these features, D&B recommends you disable any popup blockers you have on your system.

Back to Top
 
Updates
Can any type of company use iUpdate?

No. Government entities and companies no longer in business are unable to make changes to their company information via iUpdate. If an update is necessary, please call our Customer Resource Center at 1-866-594-2464, Monday - Friday, 8:00am - 8:00pm (EST).

When will my changes be reflected in the D&B Business Information Report on my company?

It generally takes 13-15 business days for changes to be seen in the D&B Business Information Report.

Is it possible to update all of the company information in our D&B file via iUpdate?

You will have access to request changes to non-third party information. Third party information, such as business registrations, suits, liens, and judgments must be done through the appropriate legal or government sources. All data editable in iUpdate will be displayed in yellow fields. Uneditable third party data, calculated fields, and reference fields will be displayed in gray and have links explaining why this data cannot be changed or how to update through a third party.

How do I know that my changes have been submitted?

After you click "Submit" at the end of the update process, you will be taken to a date-stamped "confirmation" page. This page serves as acknowledgement of your successful submission.

How often should I update my information?

You should update your information at least 1-2 times a year or as changes occur within your company.

Do I have to update all of the information?

No. Only update the information that needs to be changed. Please make sure that all required fields are completed.

Why should I update my information?

D&B is the leading provider of business information. Every day thousands of businesses use D&B to get an objective, third party view of a company that they currently work with or may soon work with. You, as a businessperson, need to ensure the accuracy of the information that is being reported on your company.

How do I enter financial information?

Once logged into iUpdate you will see an option on the Main Menu to Submit Financial Statement. By selecting this option, you will be taken to a new page that contains fields for your financial information or have the ability to upload an electronic copy.

How do I update my Branch Report?

You can update a branch report by signing into the Headquarters credit file. If the Headquarters has 25 or less domestic branches the branch information may be updated on the main update form. If the Headquarters has more than 25 branches, the update function will not be available online and you should call our Customer Resource Center at 866-594-2464, Monday-Friday 8:00am - 8:00pm (EST) for further assistance. Branch reports can be added at anytime through the Headquarters credit file.

Back to Top
 
DUNS Number Requests
What is a D&B DUNS Number?

The D&B D-U-N-S® Number is a unique nine-digit identification sequence, which provides a unique identifier of single business entities, while linking corporate family structures together. D&B links the D&B D-U-N-S® Numbers of parents, subsidiaries, headquarters and branches on more than 64 million corporate family members around the world. Used by the world's most influential standards-setting organizations, it is recognized, recommended and/or required by more than 50 global, industry and trade associations, including the United Nations, the U.S. Federal Government, the Australian Government and the European Commission. In today's global economy, the D&B D-U-N-S® Number has become the standard for keeping track of the world's businesses.

When will I receive my D&B DUNS Number?

It takes a minimum of 30 business days for a new D&B DUNS Number to be processed. Get your D-U-N-S® Number within 24 hours with D-U-N-S Expedited and build an online custom profile with D-U-N-S Registered. Call 1-866-594-2464 today for more information.

How will I receive my D&B DUNS Number?

You will receive your D&B DUNS Number via e-mail after it is processed.

How do I get access to iUpdate after receiving my D&B DUNS Number?

After you receive your D&B DUNS Number you can register to use iUpdate.

What is D-U-N-S Expedited?

With D-U-N-S Expedited , you can receive your D-U-N-S® Number within one business day and begin building your D&B company profile faster. Unique nine-digit identifier for a single business entity that also links corporate families together. Used by the world's most influential standards-setting organizations. Recognized, recommended and/or required by more than 50 global, industry and trade associations, including the United Nations, the U.S. Federal Government, the Australian Government and the European Commission. Please note that getting a D&B D-U-N-S Number alone will not establish a D&B credit file for your company. If you are requesting a D-U-N-S Number because you need to show others that your business is creditworthy, you will need to establish a credit file.

What is D-U-N-S Registered and what are the benefits?

D-U-N-S Registered gives your business more visibility and establishes your company’s credibility with a custom online profile and D&B D-U-N-S registered Smart Seal. Your custom D-U-N-S profile online will include a description of your products and services. D&B will validate key information about your business through our proprietary DUNSRight TM process and send you a D&B D-U-N-S registered Smart Seal to integrate into your website upon validation. As part of the D&B D-U-N-S Registered Network of small businesses, your website will also be listed on the D&B Small Business portal-helping to drive more traffic to your site. Call us at 1-877-753-1444 for more details.

Can any type of company apply for a D&B DUNS Number?

Yes, any type of company can apply for a D&B DUNS Number. However, please be sure that you don't already have a DUNS Number. To check and see if you are already listed in D&B's database, please go to http://www.dnb.com/duns_update.

Back to Top
 
Business Information Report
What is a BIR?

BIR is an abbreviation for the name Business Information Report.

Where is the D&B Credit Rating?

The D&B Credit Rating can be found on the D&B Business Information Report on the first page under "Summary."

What does the D&B Credit Rating mean?

You can find a complete guide to the D&B Credit Rating at http://www.dnb.com/customer_service/paydex_tables.

When do changes appear in the Business Information Report?

It generally takes 13-15 business days for changes to appear in the Business Information Report.

Back to Top
 
Others
Business Summary
will be published soon
History:
will be published soon
Special Events
will be published soon
Summary Analysis
will be published soon
Suits
will be published soon
Liens
will be published soon
Judgements
will be published soon
UCC Filings
will be published soon
Corporate Family
will be published soon
Operations
will be published soon
Statement date:
will be published soon
About Banking
will be published soon
Back to Top