Like personal credit scores, business credit scores can help people gauge a company’s credibility and financial stability. Business credit reports include company information and financial histories that can be used by lenders, government agencies and potential partners to determine whether or not to extend credit or work together.

D&B credit reports are made up of different scores and ratings, unlike personal credit reports, which use a single score to encompass a person’s credit history. These ratings help provide a detailed picture of a business’s financial strengths and weaknesses.

D&B Credit Reports include: 


The PAYDEX uses a 1 to 100 scale to measure a company’s past payment performance. Scores of 80 and above are considered to be low risk and have the potential to increase a company’s credibility to creditors.

Deliquency Predictor Score

The Deliquency Predictor Score uses a 1 to 5 classification to categorize a business’ likelihood of late payment, bankruptcy, and payment failure. A score of 1 on the Delinquency Predictor indicates a low probability of delinquency, whereas a 5 indicates high likelihood of delinquency.

Financial Stress Score

This score also uses a 1 to 5 rating, similar to the Delinquency Predictor Score, but pertains to the business’ likelihood of financial stress – like filing for bankruptcy – in a 12-month outlook.

Supplier Evaluation Risk

As the name suggests, the Supplier Evaluation Risk rating is applicable to suppliers. It predicts the chances a supplier will become inactive or shut down in the next 12 months on a scale of 1 to 9, with 1 representing low risk and 9 representing high risk. This rating is especially important for suppliers interested in working with certain larger corporations because a low score is often required.

Credit Limit Recommendation

The size, industry, and payment history of a business are used to calculate a Credit Limit Recommendation, which banks and other creditors may use to evaluate how much credit would be most appropriate to offer.

D&B® Rating

The final rating included on a D&B credit report is the D&B Rating. This rating combines a company’s size and its balance sheet information to create an overall evaluation of the company’s creditworthiness[JH1] .

Other key components of a D&B credit report

A D&B business credit report includes the company’s history, the business’s location and contact information, alternate business names—if applicable, names of some of the top officers, size information—including number of employees and revenue—and the SIC code, which indicates the company’s industry. You can verify the accuracy of your company’s information and request any necessary updates using the Company Update tool at

A D&B Credit File allows you to see how many times your file has been viewed or how many inquiries* have been made, and the industry they’re associated with, although it does not allow you to see the name of the person or entity that inquired.

Finally, the report includes the company’s important events, which may include bankruptcies, lawsuits, liens, mergers and acquisitions, changes in ownership and other important happenings.

*Inquiries are the number of individual product(s) purchased by a customer(s) on a D&B 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.