Dun & Bradstreet is one part of the business credit landscape. A D-U-N-S Number and PAYDEX score do not replace clean financials, cash flow or a responsible use of funds.
Confirm business identity
Review the legal name, address, phone, industry, ownership and operating status shown in the commercial file. Compare it with formation records, the IRS, banking, licenses and public listings.
Understand trade experiences
Not every vendor reports. Confirm whether a supplier reports, where it reports and whether the account is actually appearing. Pay according to agreed terms and keep records.
Read PAYDEX in context
PAYDEX reflects reported payment experiences available to D&B. It should be reviewed with the number and recency of experiences, company profile, public records and other commercial data.
Strengthen the operational file
Separate business and personal transactions, keep books current, file taxes, maintain business banking and prepare explanations for unusual activity.