• (800) 463-6362
  • About Us
  • Our Data Insight
  • Buy a Credit Report Online

Below, you will find answers to our most Frequently Asked Questions. For additional support, please call our Customer Service team at 1-800-463-6362.

FAQs by Subject

D&B Reports
How can I get a copy of my D&B Credit Report?
Business owners and listed principals can access a copy of their D&B business report by contacting D&B Customer Service Centre at (800) 463-6362 or by email at CustomerCareCan@dnb.com, Monday – Friday 8:00am – 7:00pm EST.
How do I get a DUNS® Number or business listing with D&B?
Business owners or registered principals may obtain their DUNS® Number by searching for your company on our homepage under the Search for a Company option. If your company name appears on the Search Results page, you already have a D-U-N-S® Number and can email us at CustomerCareCan@dnb.com or call us at (800) 463-6362 from Monday to Friday 8:00am to 7:00pm EST to obtain it. If your company does not appear on the list, you can register for a DUNS by following the steps in the DUNS Number Registration Process.
Some information in my D&B report is incorrect; how can I get it corrected?
Updates and corrections can be sent to D&B Customer Service by email at CustomerCareCan@dnb.com or by contacting us at (800) 463-6362 from Monday – Friday 8:00am – 7:00pm EST.
What does my rating mean?
Click here for a description and definitions of D&B ratings.
There is a public filing appearing in my report that has been satisfied (or settled or dismissed). How can I get it removed?
Updates and corrections can be sent to D&B by email at CustomerCareCan@dnb.com or by contacting us at (800) 463-6362 from Monday – Friday 8:00am – 7:00pm EST. If the status of the public filing has been settled/dismissed/satisfied, please forward court documentation showing the settlement, dismissal or satisfaction for review to CustomerCareCan@dnb.com.
Someone is reporting me as a slow payer, how can I find out who it is?

D&B only releases the names of its data sources with their prior consent. The vendor retains the right to withhold their identity for a number of reasons. Some of the reasons include:

  • To protect the identity of your suppliers from your competitors.
  • To protect the identity of their customers from their competitors.
  • To ensure that D&B does not benefit from the use their brand.

Based on the industry and the amounts reported, you can generally determine which of your suppliers has provided us the information in question. A copy of your report may be accessed by contacting us at (800) 463-6362 or by email at CustomerCareCan@dnb.com from Monday – Friday 8:00am – 7:00pm EST.

How can I challenge a Payment Experience in my report?
Payment experiences reflect how bills are met in relation to the terms granted. In some instances payment beyond terms can be the result of disputes over merchandise, skipped invoices etc. D&B reports the trade information exactly as it is received from the data source providing information to us. If you believe a payment experience has not been accurately reported an investigation request may be submitted by contacting D&B Customer Service at (800) 463-6362 or by email at CustomerCareCan@dnb.com.
Where does D&B get its data? Is it accurate?
DUNSRight is the data quality process that ensures that you get the most accurate and complete data available.
Where do I find report samples?
Samples of most of our products can be accessed on www.dnbexpress.ca. Upon searching for a company, you will be provided with a list of sample reports.
What is the purpose of these reports? What are they used for?
  1. Business Information Reports are used primarily as commercial credit tools. Business owners and managers look to these reports for vital information they need to determine reasonable assurance of payment from those businesses with which they intend to deal. No prudent business would be willing to ship goods, furnish services or extend credit without such assurance. Business Information Reports are also widely used in marketing to evaluate prospective customers in terms of sales potential; in purchasing to assure that prospective suppliers are established, sound and capable of delivering requested goods and services when promised; and in insurance underwriting to trace claims history, evaluate risks and establish realistic appraisals.
  2. Nobody is willing to conduct business on promises of future payments or future deliveries without some degree of assurance that they are dealing with reputable firms.
Who typically uses the information in these reports?

Manufacturers, wholesalers, retailers, both small and large businesses, and professional services. Just about any organization whose growth and profit depend on solid commercial relations depend on D&B information reports. Here are a few common examples:

  • A supplier has received your first order for the goods or services you need to produce and sell your product. A quick look at your D&B report and the supplier can give the shipping department the go-ahead signal. Without this D&B reference, you could wait weeks for your order while a supplier checks bank records, trade references and makes inquiries about you around the industry.
  • You call the bank for an appointment to talk about a loan. The loan officer looks at your D&B report and can immediately analyze the needs and progress of your business even before you arrive. The same applies when you need any insurance policy, financing or leasing terms on equipment — or even a business credit card.
  • You've been dealing with the same supplier for years. Suddenly an expansion or special job requires you to double or triple the size of your order. An unusual situation in the eyes of your supplier — but one look at your D&B Business Information Report and the assurance is there that you can handle the increase and perhaps even qualify for a volume discount.
What does a rating of 1, 2, 3 or 4 mean?
After reading and analyzing the information contained in the Business Information Report, particularly financial statement information, the rating is issued by a D&B business analyst. The rating is divided into two parts: A letter designation indicates estimated financial strength (usually tangible net worth), and the numerical symbol indicates the so-called composite credit appraisal — ranging from a high of 1 to a “limited" rating of 4. The composite credit appraisal incorporates the manner in which the company meets its obligations, financial condition, proper legal organization, clear identification of ownership, management experience, payments and other factors.
What type of information can be found in a D&B report?

Reports are maintained on hundreds of thousands of businesses and contain the facts most frequently required in making a variety of business decisions. Basically, the report is an analysis of a commercial establishment.

  • DUNS® Number: DUNS stands for Data Universal Numbering System, which is recognized by companies worldwide. This is a unique nine-digit code that identifies a business name and location.
  • Summary: A concise, quick-reference analysis of the detailed information contained in the report. It includes the business' Standard Industrial Classification code (SIC), function, product line, principal executive, D&B Capital and Credit Rating, sales, worth, payments, number of employees, history, financing, condition and trend.
  • Payments: Payment record, high credit, amount owing, amount past due (if any), selling terms and period of time since last sale.
  • Finance: Statement of assets, liabilities, sales, expense and profit, along with any necessary explanation and a description of sales and profit trends (when provided).
  • History: Names, past business experience of principals or owners and the legal structure of the business.
  • Operations: Describes the nature of the business, its premises, products or services, classification of customers, percentage of cash and credit sales, number of accounts, seasonal aspects, number of employees and name of bank.
  • Special events: Any recent changes of chief executive, legal structure, partners, control, location, and any incidents of business discontinuance.
  • Public filings: Identifies any public record filings, such as suits, judgments, and record item updates and releases.
  • D&B Capital and Credit Rating: An indicator of estimated financial strength and composite credit appraisal.
Does D&B have banking information?
The majority of our reports provide general banking information, such as bank names, addresses and telephone numbers.
Why doesn't D&B have more financial statements in its reports?

The only companies that are required to provide financial statements are public and non-profit companies. The majority of businesses in our database are privately held. The business analyst’s job is to demonstrate the benefit of providing information to D&B. In fact, we are the only company that successfully provides financial statements on privately held businesses.

Public companies in our database have current financial statements reported. Our data collectors are required to ask all private organizations for their financial figures when conducting interviews.

How does D&B verify that the principals are giving correct financials? Can’t a company make up its numbers?

The veracity of financials taken as part of a regular investigation on behalf of a subscriber is checked by:

  • Confirming that the accounting firm is a legitimate firm registered with the appropriate registering body
  • Ensuring net worth reconciliation is completed
  • Confirming VGER validation of sales to employees
  • Ensuring that ratings assigned follow the rating rules and regulations
How long is public record and bankruptcy information kept in the report?

Business failures (bankruptcies, proposals, receiverships, etc.) are kept for seven years. This means the company will carry a business or management record until the seven years are over.

Legal items (suits, liens, judgments, etc.) will stay in the report indefinitely or until we receive notification that it has been resolved (settled, dismissed, discontinued, etc.). The details of the resolution could come from the defendant, the plaintiff or directly from the courthouse. The details of the resolution are kept for one year.

On the Business Information Report, what's the difference between the last full revision date and the most recent update date?

The last full revision date is the date on which a full revision (including interviews) of the report was conducted. The most recent update date is the date on which either public record items or new trade has been added to the report. The most recent update may also mean that an interview has been completed in between the regular yearly update.

Data Solutions
How does D&B get its data?

We obtain our information from impartial third-party businesses and government sources. We then supplement it with information from millions of interviews with business owners and managers. Here are just a few of our resources:

  • Business bankruptcies are obtained from Industry Canada via an automated weekly data feed
  • Suits, liens and personal property security agreements are obtained directly from provincial and local court houses
  • Millions of trade experiences (payment information) tells us how individual businesses are paying their bills
  • Daily newspapers, publications, electronic news services and the Internet

We have up to 1,500 data elements on any given company, which gives you a more complete picture of a business. D&B is also the only global business information provider that collects financial statements on both publicly and privately held companies.

What does D&B do with the data it collects?

Before we enter any information into our database, it must first pass a number of quality checks. In fact, there are currently over 2,000 validations in our customized data entry system alone. We then supplement our checks with mainframe data-cleansing processes, like our Duplicate Report Protection System and Address Standardization.

Once the information is validated, it's entered into our database — the largest database of business information in the world. It's then made available to businesses around the globe. The data can be used in a myriad of ways, including:

  • Checking the credit rating of over 107 million companies (26 million in the United States alone and 1.5 million in Canada)
  • Compiling highly targeted lists of prospective customers
  • Tracking competitors' sales
How can I be certain the data D&B collects is up to date?
All data collected by D&B must first pass rigorous quality checks. Aside from our over 2,000 information validations on our customized data entry system, we randomly call companies and review the information we've compiled on their businesses. If you should question the information received about a company, a group of dedicated consultants are available to reinvestigate the information at no charge. Simply call our Customer Information Centre at (800) 463-6362 to initiate a reinvestigation.
How do I get a DUNS® Number so I can be listed in the D&B Database?
You can obtain a DUNS Number by searching for your company. If your company name appears on the Search Results page, you already have a DUNS Number and can call (800) 463-6362 to obtain it. If your company name does not appear, simply click on the link to request a DUNS Number at the top of the Search Results page.
What do I do if I can't find the business I'm looking for?
Simply contact D&B at 1.800.INFO.DNB (800) 463-6362) Monday – Friday from 8:00 a.m. – 7 p.m. EST and one of our customer service representatives will do a search for you. If the company is not in our database, we can investigate the business for you at no extra charge and the report will be emailed to you promptly.
What kind of financial predictors are there in the D&B database?
We offer three standard predictors: Financial Stress Score (FSS), Commercial Credit Score (CCS) and Paydex. These indicators help you understand the risk of financial stress, delinquency and payment delays. We also offer services to statistically create customized predictors based on the needs of your business.
I don’t think I have a clean and complete database. Can D&B help me clean my data?
Yes, D&B offers many data-related services, and cleansing your data is one of them. We will obtain your data file(s) and send it through our DUNSRight process, which our own data goes through. This process ensures that you don’t have inactive, duplicate or out-of-data records. We will identify which of your customers have gone out of business and how many companies are duplicated so that you can save on expensive marketing campaigns. You can also utilize D&B to add our world-class commercial data to your data file.
Does D&B offer data analytics and modeling services?
Yes, we can help you with both sales and marketing and risk analytics projects. We offer services as simple as data analysis to see what your data looks like to regression modeling to enable you to get the most out of your database when combined with D&B data. Please check Data Solutions for further information on our analytics and modeling services.

Billing
I received an invoice for a product I never received, who can I call for help?
Please contact D&B Customer Service directly at (800) 463-6362 Monday – Friday 8:00am – 7:00pm EST. A Representative will work with you to resolve the issues.
How do I get a copy of my invoice?
For copies of invoices you may call D&B Customer Service at (800) 463-6362.