D&B Credit Insights vs. D&B Finance Analytics

For businesses looking to boost their business credit and get approved for small business loans that are not personally guaranteed, this is a game changer. You will always know where your business stands and what creditors will see when they are deciding to loan to you or not. If you are a sole proprietor I don't think this will help, I believe you need an LLC, Corporation, Parntership, etc - a separate entity from your SSN so that entity can begin to build credit based on the business and not your personal assets and credit

Incentivized

D&B provides insight into the viability of a customer who is looking for open terms and large orders on credit. It helps us determine the risk when lending to customers with whom we don't have much history. It's also helpful to see what types of liens/lawsuits they have pending at a given time.

Incentivized

• Gives us free alerts whenever there's a change on our credit profile.
• Helps us understand what factors are affecting score and how to increase it.
• Allows us ability to get better rates!
• Excellent price point especially compared to other services!

Incentivized

• Good analysis.
• Good data, as well as a lot of details statistics and scores, help to review and assess a customer's current situation and status.
• Company Linkage so that you can determine if the company is owned by another company or parent company.

Incentivized

• Using the correct personal credit score. My score is not right and won't allow me to change it.
• Have more financial options available for businesses that actually need funding. The requirements state we need to make a certain large amount in order to be approved for funds.
• New and slow growing businesses should have business lives of credit automatically.

Incentivized

• Updates on smaller firms are often spotty, and often we're notified or find out about substantial changes (e.g., location, management, et al., well before these turn up in their report.
• It would be nice to have forms automatically submitted when the return key is used; this is a nice shortcut instead of mousing over to the Submit button, and was present in earlier iterations.
• The ability to tailor automatic sign-outs. Often I'm working on a specific customer, and I go back to start another a few minutes later, and find myself logged out. Automatic sign-outs were for a longer time span previously.

Incentivized

Best product I've tried

Incentivized

Currently all of the Credit Managers use the report daily when review, setting up or investigating new or potential customers. They also use the repot when review current customer's to determine credit worthiness in the event there is a potential for bad debt, bankruptcy or an increase in growth with our company.

Incentivized

I would you rate the D&B Finance Analytics's overall usability a 9 because it is super easy to use. The only reason for a 9 is there are a lot of features that I didn't realize were there and was not sure how to actually use them or what kind of information I could get

Incentivized

FOR THE MOST PART IT IS ALWAYS AVAILABLE. ON RARE OCCASSIONS i HAVE TROUBLE ACCESSING BUT AFTER I SUBMIT AN ISSUE IT IS CORRECTED

Incentivized

5--PAGES TEND TO LOAD SLOWLY MORE OFTEN THAN NOT. IT IS A PROBLEM I NOTICE MORE OFTEN WHEN THERE ARE EXTREMELY LARGE CORPORATE LINKAGES

Incentivized

I've rarely had to reach out to the D&B support team but when I have, and the correct contact information was made available to me, the process was extremely easy. I was able to get in touch with our rep quickly and get the answers and resolutions that I needed

Incentivized

WATCHED VIDEO ON HOW TO USE

Incentivized

Skipping question, I was not involved in implementation.

Incentivized

it was our first foray and seemed vast and easy to use

Incentivized

I have been given multiple free trials to competitors trade credit reports and have found that none are as comprehensive as D&B. D&B secures that most trade data which is the backbone of commercial credit reports worth and internal scoring models. That said, D&B charges a substantial premium compared to competitors which makes switching a viable option if budget is an issue

Incentivized

AT THIS PARTICULAR TIME, WE ONLY USE IT TO MAKE A DETERMINATION ON CREDIT. NO OTHER DEPARTMENTS HAVE ACCESS TO PROGRAM OTHER THAN ACCOUNTING

Incentivized

• D&B Credit Insights has provided us with credit recommendation to prepare ourselves for potential bad customers
• It has provided us with PAYDEX information to determine how long it would take us to collect the outstanding receivables
• It has provided information for existing customers if they will or have gone bankrupt, closure or failure to prepare our potential bad debt for outstanding receivables

Incentivized

• More or less improved efficiency in our Bank's underwriting process, but new deals have been slow as the economy worsens
• We haven't been creating much new business due to the environment we are in and the position we are in as a regional bank
• It will continue to strengthen our credit risk assessments

Incentivized