top of page

Does your company have a full D&B Rating?

Updated: Feb 4, 2022

Did you know you can have 1000 payments in your D&B credit report and still not have a full D&B rating? All the payments in the world won't mean a thing if D&B doesn't consider your company to be a viable enterprise. In fact, they may even block your vendor payment history from flowing into your file if your rating isn't complete. A missing D&B rating can stymie your company's creditworthiness.

In general, the D&B rating is established once D&B can see your company, whether from the data flowing in automatically from third-party resources or from verifiable data business owners themselves provide. To assess a "full" D&B rating, the following information needs to be present and verified:

  1. Company name

  2. Physical / mailing address

  3. Phone number

  4. Legal structure / start date

  5. Principals / titles / time-in-service

  6. Industry / SIC-codes

  7. Employee count

Providing the above information is easy, but there are also two more elements D&B won't tell you about — and these are what can keep your company from being deemed creditworthy.

A full D&B Rating is borne from confidence and predictability.

Confidence starts with the verification of the above data elements, but it is further strengthened when matching data flows in from outside resources, such as your Secretary of State's business registration portal, vendors who generate inquiries when you open a new account, or lenders who process credit applications through D&B's risk management software. When the data that flows in from outside sources matches what is already in D&B's system, confidence is bolstered and your company earns valuable points toward its rating.

Predictability can only come from one place: payments. Whether they flow in from trusted vendors and creditors who auto-report or are manually submitted by you and verified by D&B's trade fulfillment team, payment history proves other companies have done business with you, have matching information on file about your company, and have trusted your business with credit in the past. When at least five credit-based payments get reported to D&B — yes, even derogatory payments — they help to determine predictability about how your company has managed and maintained the credit it has already achieved.

A Guide to D&B Ratings

A D&B Rating defines your company's Financial Strength and Composite Credit Appraisal in one of two ways: with financial statements or without.

Without Financial Statements

If you have not provided financial statements to prove your company's financial strength, your D&B Rating is determined by your overall employee count:

  • 1R designates businesses with 10 or more employees

  • 2R designates businesses with fewer than 10 employees

and how your suppliers have reported that you pay your bills:

  • 2 = GOOD (within terms)

  • 3 = FAIR (generally on-time)

  • 4 = LIMITED (poorly)

So if your company has a D&B rating of 2R3, this tells your suppliers that you have fewer than 10 employees and generally pay your debts on time, but may have had a blemish on your file from time to time.

With Financial Statements

Publicly traded companies are required to provide financial statements to D&B. Privately held companies aren't, but they will sometimes decide to do so if it will help boost lackluster scores or derogatory information, such as lawsuits, being in a distressed industry, or having a bankruptcy in the file. The following table outlines how to interpret a rating when D&B does receive financials. (This information is publicly available for free.)

The first two digits determine the financial strength:

  • 5A = $50,000,000 to and over

  • 4A = $10,000,000 to $49,999,999

  • 3A = $1,000,000 to $9,999,999

  • 2A = $750,000 to $999,999

  • 1A = $500,000 to $749,999

  • BA = $300,000 to $499,999

  • BB = $200,000 to $299,999

  • CB = $125,000 to $199,999

  • CC = $75,000 to $124,999

  • DC = $50,000 to $74,999

  • DD = $35,000 to $49,999

  • EE = $20,000 to $34,999

  • FF = $10,000 to $19,999

  • GG = $5,000 to $9,999

  • HH = up to to $4,999

and the number at the end determines the overall composite credit appraisal.


  • 2 = GOOD

  • 3 = FAIR

  • 4 = POOR (or) LIMITED

So if your company has a D&B Rating of 1A2, this tells your suppliers that your company makes between $500,000 and $749,999 and has a strong history of paying your debts on time.

Other Possible Ratings

An ER Rating = Some businesses do not lend themselves to a classification or assignment of a rating based on their net worth. They are generally given an ER rating, followed by a number that determines their employee count, such as ER6 (fewer than 20) or ERN (undetermined).

A DS Rating = A company with a DS rating either has very little information in the file, or the information that is there cannot be verified. For the most part, companies with a DS rating will have a harder time achieving credit from vendors and suppliers and will usually be required to prove themselves, either by prepaying for their initial orders or providing a personal guaranty.

-- Rating = The "dash dash" rating does not mean your company doesn't have a rating, but rather that your file is "incomplete". There's usually one or more pieces of information missing, such as a viable phone number, physical address or the required number of payment experiences.

An INV Rating = If your company has an INV rating, it usually indicates D&B is investigating your company due to potential fraud, theft or abuse. If you haven't been contacted by D&B's Severe Risk Team yet, prepare yourself for that call and the answers (and documentation) you may be required to provide.

Need help deciphering your D&B scores? CLICK HERE to schedule your free business credit assessment today.

Our Business Credit Basics Blog


We can help your company build new business credit or boost your existing scores and ratings!


Keep as long as you like or cancel at any time — even after just 1 month!

Be confident in your purchase!

You can pay using your Paypal account

or any debit/credit card

The opinions expressed on this website are those of Starpoint Credit Solutions LLC and its ownership.

All information is provided for educational and training purposes only.

Our blog posts are free for any business owner who wants to build or boost their credit.

If you need immediate assistance, please initiate a CHAT below.

Additional paid services are also available here for those who need assistance.

bottom of page