NOTE: This impacts many of the lessons below!
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How to access the D&B DUNSmanager® to submit updates or launch slow payment disputes.

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Six Key Reasons DnB Doesn't Identify Creditors (and how you can!)


Have you ever wondered who is reporting payment history into your corporate credit report? Believe it or not, it's not always easy to tell. And, if it's a slow payment that's being reported, it can sometimes be very frustrating if you want to contact the creditor to clear up the problem.

There are two ways for payment history to find its way into the business credit report: either as an auto-reported transaction or through a manually uploaded vendor process.

  • AUTOMATICALLY - An automated process where vendors, suppliers, creditors and institutions link their bookkeeping systems to the business credit bureaus (D&B, Experian, and Equifax) to report all transactions that meet or exceed a basic set of criteria, or —

  • MANUALLY - By submitting your vendors, suppliers, creditors and institutions to Dun & Bradstreet via a paid Creditbuilder® portal so the creditor can be contacted, transaction details gathered, and payment history placed manually into the report

But there are some significant differences in the way those payments are going to reflect in the business credit file compared to what you see in your personal credit report... If you look at your personal credit report, you'll notice that you can instantly identify who is reporting your payment history, specifics about the account status, and (in most cases) contact information about the creditor. With business credit, however, you'll be afforded no such luxury. Instead of the company name showing in your corporate credit file, a generic industry identifier is used and the payment amount is rounded up or down (sometimes by thousands of dollars) to fit into predetermined algorithm parameters. D&B's practice of withholding or skewing creditor information has been challenged all the way to the Supreme Court. But, in the end, D&B has always prevailed, in part because they can mount some pretty tough arguments to support their overall objective: maintaining the sanctity of the proprietary data used to generate scores and ratings. Year's ago, while employed at D&B, I often found myself struggling to defend their "vendor anonymity requirement," especially when training new hires or consoling angry business owners. In fact, I developed the below list of talking points that is still being used today: Six Key Reasons D&B Doesn't Identify Creditors

  1. To protect the identities of companies who have contractually agreed to provide purchasing information about their customers (Auto-reporters)

  2. To keep auto-reporters from leveraging an advantage over other non-reporting businesses simply because they will report to the bureaus

  3. To protect the privacy of the business owner with regards to their vendors and creditors, as well as the amount of the credit or expenditures with those creditors

  4. To keep vindictive competitors from contacting an opponent's suppliers as a means to disparage the competition's reputation or credibility

  5. To prohibit competing companies from pitting customer-against-customer or creditor-against-creditor, or demanding preference due to the reporting process