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 are no longer active portals.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.



There's a old saying: The same boiling water that softens the potato hardens the egg. It's about what you're made of, not the circumstances.

Strong corporate credit works for your business, helping to prove you have accepted your role in the financial process. While some may huff and say "I don't need business credit" or "my business credit doesn't matter", a responsible business owner sees corporate credit scores and ratings as a tool that proactively impacts their company, employees, clients, and self.

America's most successful business owners and directors no longer have to rely on personal credit to fund their businesses. They have worked toward a corporate credit report that eventually — over time — takes on a life (somewhat) of its own, continuously re-building itself as it achieves milestones and rewarding itself with a vast open source of credit and contract opportunities borne out of each small successful step.

But even major corporations, big pharma, tech firms, and giant conglomerates still have work to maintain a strong credit file. Years ago, while employed by D&B, I helped many CEOs and CFOs of huge businesses organize and update their D&B files, get derogatory information removed, and add positive information. It's a part of the process no matter how big you get. But small business owner's can be even more harshly impacted and fail to grow due to a lack of scores and ratings.

It's about what you're made of, not the circumstances. If you have a business, you are already being impacted — one way or another — so you need to understand what is already being influenced by your file (or lack of one). Remember, data (or lack thereof) will say something about your business. You are the one who can determine what is being said and the reaction that conversation generates.

High credit scores translate to lower credit risk, so lenders look for strength and responsibility in the ratings that specifically reflect past payment performance. All business credit scores and ratings have payment history listed among the base seventy-five impacting factors, but the Paydex® score and Supplier Evaluation Risk® rating are the two most heavily impacted by past payment history. They are also the most easily influenced.

HERE'S HOW: If you don't have a Paydex® score, it sends a message that you haven't been extended credit by anyone, not even the most basic of suppliers. If you have a poor Paydex® score, it tells potential creditors you haven't paid your existing suppliers on time, so why would they want to extend credit? Among other things, the Supplier Evaluation Risk® rating reflects the strength of your existing suppliers and your payment habits to those suppliers. On a scale of 1 to 9, a lower SER score means you have strong suppliers who have only good things to say about their interactions with your business. If you want to gain credit or contract approvals, you can improve these two scores by adding positive payment history to your file fro