NOTE: This impacts many of the lessons below!
iUpdate ... ... ... are no longer active portals.   If you see these web addresses in the lessons on our blog or DIY Training Base, please go to to view or access your D&B report.  You will need the D&B DUNSmanager to be able to submit updates and/or launch disputes.   CLICK FOR MORE >>

How to access the D&B DUNSmanager® to submit updates or launch slow payment disputes.



Your ability to establish new credit is dependent in large part to the historical data in your business credit profile. If there is no data being presented, D&B will generate scores and ratings based upon historical averages of other companies your size in your industry and in your area.

In order for your company to stand on its own merit, a strong business credit profile needs to be established which reflects a proven pattern of prompt payment and responsible management. This information can only be provided by companies who have extended credit to your business directly. This is done by reporting as a credit reference to D&B®. The key to a perfect Paydex® score is knowing how to get your credit references into your D&B® profile, and which of those references will be most beneficial.

Think of a credit reference as a handshake introduction between your former creditors and your future lenders, vouching for your creditworthiness.

Trade references, otherwise known as vendors or suppliers, are companies who have extended you credit on terms — which means they have invoiced you for a product or service and have NOT required you to pay for the purchase before or at the time you took delivery. Basically, D&B® is seeking information from the companies that have “trusted” you to pay them later, and how you repaid that trust. This payment history will either reflect positively when your vendor states “Sure! John always pays his bills on time!” or negatively if they say “John always pays his bills 5-10 days past the due date.” And it can be detrimental if the vendor says “I had to take John to collection and he still hasn’t paid that bill.”

D&B® gathers this information, validates it’s source, and then discloses the data to other companies who are considering offering John credit so they can either (a) be confident he will pay them on time, (b) take steps to make sure the bill will get paid on time, or (c) refuse to extend John any credit at all. D&B®helps companies mitigate the risk by allowing lenders to see historical data from other’s experiences and decide for themselves. The more positive information you can get into your credit profile, the lower the risk. The presence of negative data, or in some cases an absence of any data at all, makes lenders leery and likely will stunt a company’s ability to grow and achieve more credit.

For those who are not well-versed in credit terms, here is a quick lesson:

CREDIT EXPERIENCES: (These are beneficial to boosting your credit profile.)

Net10: Bill must be paid in full within 10 days of purchase Net30: Bill must be paid in full within 30 days of purchase 2%10Net30: Get a 2% discount if paid in full wi