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You are here: Home / Archives for dun and bradstreet rating

Dun and Bradstreet Rating: Three Ways to Generate a Paydex Score

August 13, 2013 By Marco Carbajo

Dun and Bradstreet Rating

Is your business listed with Dun and Bradstreet?

Have you established a Dun and Bradstreet rating yet? dun and bradstreet rating

If you are looking to build up your business credit report so you can establish a positive rating (80 paydex score) with D&B then you have come to the right place.

I’m sure you’ve seen countless articles and posts all over the internet explaining the importance of establishing a business rating with Dun and Bradstreet but what’s the fastest way to do it?
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Filed Under: Business Credit Tagged With: dun and bradstreet rating

5 Ways to Improve Your Dun and Bradstreet Rating

August 8, 2012 By Marco Carbajo

Dun and Bradstreet Rating

Did you know you’re Dun and Bradstreet rating plays a significant role in the amount of financing, interest rate, and level of terms a creditor will extend to you? business credit rating

Your company’s rating with Dun and Bradstreet is determined by the company information you provide and data gathered from lenders, vendors, suppliers, and other trade accounts.

Here’s a quick recap on why getting listed with DNB is so important.
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Filed Under: Business Credit Tagged With: dun and bradstreet rating

Dun and Bradstreet Joins Forces with Transunion

May 17, 2010 By Marco Carbajo

Dun and Bradstreet Joins Forces with Transunion

 

In a press release today Dun and Bradstreet announced that it joined forces with Transunion to blend consumer and business credit information in order to improve the overall risk assessment of small and micro businesses.

This is a major announcement that impacts both lenders and small businesses on a national scale.

Over the past couple of years the economic downturn has given the word “risk assessment” a whole new meaning. It was only a matter of time when a new dimension of analytics would begin to take shape and this is just the beginning.

As you know there are millions of pieces of data that are collected on consumers from consumer reporting agencies like Transunion (500 million to be exact) and millions of business records are compiled from business credit bureaus like Dun and Bradstreet (150 million to be exact).

With all this information is it any wonder that one day we would see the merging of credit data from two leading companies.

According to Byron Vielehr, president of D&B Global Risk and Analytics, “Small businesses’ credit-worthiness can be correlated to consumer credit history.”

I would have to disagree simply from the fact that there are certainly other events or circumstances that may cause a business owner to incur personal credit challenges while the financial responsibilities of the business remain intact.

If a business owner truly separates his personal credit from his business credit then there should not be a correlation between the two but unfortunately the majority of owners continue to co mingle personal and business expenses to this day.

In August of this year D&B plans to launch its new Commercial Credit Score 8.0 which incorporates consumer credit data from Transunion with D&B’s business records giving its customers a newly enhanced scoring system.

It will be interesting to see the impact this will have on small businesses and its ability to obtain financing with little to no trade credit with D&B.

If merging consumer credit data from Transunion has a positive impact on its commercial credit score it may just be the answer some small businesses have been waiting for.

However, what type of impact will this have on the businesses with strong D&B ratings but little to no consumer credit? What about the business with a strong paydex score with financial stability but the owner has a dismal consumer credit file with Transunion?

I’ll keep you posted on new developments as they become available.

Read the full press release ‘D&B Announces Services for Customers to Better Predict Small Business Credit Risk’

Looking to access a proven step by step business credit building system? A system that provides you access to premium vendors, business credit cards, funding sources and lenders that report to all the major business credit bureaus? Become a member of my Business Credit Insiders Circle. Submit your name and email below for details and receive a free audio seminar ($597 value) =>

About the Author

Marco Carbajo is a business credit expert, author, speaker, and founder of the Business Credit Insiders Circle. A business credit builder membership helping business owners establish business credit. He is a business credit blogger for All Business.com, a subsidiary of Dun and Bradstreet and author of “Eight Steps to Ultimate Business Credit” and “How to Build Business Credit with No Personal Guarantee.” His articles and blogs have also been featured in American Express Small Business, Business Week, The Washington Post, The San Francisco Tribune, Scotsman Guide, Alltop, Entrepreneur Connect, and Active Rain. 

Filed Under: Business Credit Tagged With: commercial credit score 8.0, dun and bradstreet, dun and bradstreet rating

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