Dun & Bradstreet offers a comprehensive and easy-to-interpret credit reports. They provide three types of credit report: Credit Evaluator Plus, Business Information Report, and Credit Advisor which contains reports of 5 companies. Dun & Bradstreet provides a sample report at their website. The products differ by their features:
- Credit Evaluator Plus offers information about payment behavior, for example, a company’s risk of late payment and D&B Credit Limit Recommendation.
- Business Information Report offers a detailed credit risk report of a company. The report includes comprehensive information about a company’s operations, financial performance, and public filing records.
- Credit Advisor provides real-time access to a company credit file including credit scores, ratings and alerts of changes to credit risk of a company.
A comprehensive listing of the features is provided on D&B website.
The comprehensive report provides Credit Rating and PAYDEX Score of the company at the beginning of the report. The Rating includes two components: Financial Strenght and Composite Credit Appraisal. D&B PAYDEX Score is calculated up to 3 months and up to 24 months of payment experiences. In the D&B PAYDEX table, the color indicates the risk of late payment.
The Financial Stress Class predicts the likelihood that a business will cease business operations without paying all its creditors in full or leave unpaid obligations, etc. The color indicates the proportion of slow payment experiences to total number of payment experiences. The Credit Score Class takes into account incidence of delinquent payment. The color indicates the risk of severe payment delinquency over 12 months.
The Risk Category is based on the company’s Credit and Financial Stress Scores. The report includes information about two credit limit recommendations: a conservative and aggressive limit. The conservative limit is useful when vendors want to limit risk. Instead, the aggressive limit can be used by vendors that are comfortable with increased risk.
- Comprehensive
- Credit limit provided
- Easy to interpret
- Quite expensive
- Credit Evaluator Plus: $61.99/report,
- Business Information Report: $121.99/report
- Price per report depending on report type: $61/$139/$189. Credit Reporter Plus: $799 for five reports. (situation on 7/2020)