D&B Finance Analytics

This a great product that is helpful for companies of all sizes.

Most cases in particular where D&B has been beneficial to our company is to see that a company has been involved in legal suits with other companies doing the same type of work as us. The visibility of seeing this allows us to see that a particular company has a history of bad faith in this industry with similar contractors, which we can then investigate further if necessary or make a choice to avoid doing business with them. Using D&B to qualify our vendors is appropriate in every case.

It is a large database of companies and provides tailored recommendations for credit limits using past payment history.

It works well to gather information about an unknown company and also finding related entities to a company that might increase liability or risk exposure.

I can always rely on accurate information on the D & B site. They help me to determine credit risks of potential customers.

D&B is best in class for commercial credit reports in US. They get the largest amount of payment data which drives all of their internal scoring. I have used a number of competitors over the years and none measure up to D&B. That said D&B is very expensive compared to comparative reports. Also, all of the scoring is only as good as the trade data received and many companies do not report trade data. For that reason I tend not to trust many of predictive scoring models they provide. Reports outside of US are very expensive and most times provide very little data. This is a common problem with most domestic based credit reporting agencies and some countries just don't provide this type of information.

The financial Analytics assisted with more information than another report we used and helped decline a customer otherwise found credit worthy through another customer. D&B found that they were having cash flow issues so we set the customer up as CIA instead of extended credit.

It is great for identifying and searching for companies. If we need to find a company, understand its profile, its family tree, and some basic credit metrics this is ideal. I would like to see more connections to other risk portals such as Moody's/S&P, Bloomberg, news sources, etc. The credit analytics are helpful but still think need to be better organized and explained. I also use DNB for the trade payments/history. However, this page is a little hard to read and digest. We haven't started using the portfolio analysis as much as we should.

DnB is great for company analysis on a wide scale but often information regarding regional statistics are more useful in my day to day. Also more public information regarding individual locations would be helpful. I think some of the DnB analytics figures are repetitive and seem to mean the same thing, lastly I do not use many of the features of the site and just often look at the company summary page in my day to day.

Small to Large INC, LLC LTD works well, more companies send their info to D&B,
Small Mom & POP not so good, deal more in cash less in credit, not easy to get info.

D&B FA is perfect for use in companies that need to approve credit limits.

D&B is very expensive. That would be one reason I wouldn't recommend D&B. There are other companies out there that charge less. The owners approve what credit company to use. I've looked into other options due to price and will continue to look and give my bosses the options to choose.

its is well suited to assess potential credit limits for customers

data may be limited in some instances, so need to proceed cautiously with recommendations

We've been able to make more informed decisions for payment terms based on business data we've received from FA.

D&B does give a wide range of information regarding a company, we need this to not only review their trade payment history but to get an overall view of the business stability and market.

This is great for when you are first signing up a customer or someone you want to work with, and you can feel like someone did a thorough review of their financial position prior to putting your company in a tough financial situation. I also feel in a scenario where you aren't aware of what might be occurring with a company, getting updates from this company helps determine if we might have more risk to account for and prepare for in the future.

I am just not certain that the data provided is sufficient to make credit decisions. There are other competitors that have a much better interface and can provide more detailed financial information

Finance analytics is good for business reports, as it would otherwise be difficult to get that info. I just feel like there is way too much on there than what I need. Also, the pricing is very expensive considering how often I use it.

This is well suited to credit departments, and less suited for use for creating sales leads.

I find certain high scores (Paydex) are strongly correlated with credit quality of a business but low scores are not necessarily correlated. In opposition, a personal credit score I view as more predictable at the high and low ends.

I feel it is best suited for smallish or midsize companies, which are private. Larger publicly traded companies usually have information available online and D&B would not be as useful. Often closely held companies would benefit from its use as this information such as background, size, etc are not usually available online.

D&B Finance Analytics is better used on smaller transactions and less appropriate on large dollar size transactions.

Very useful for getting a snapshot of current credit information for most businesses. A little slow in making updates to addresses, changes in legal status (e.g., bankruptcy), but overall a good value.

I used it to see if companies financed equipment acquisitions by looking through UCC filings. However, if there were lots of filings, your system required additional, confusing steps before I could see them all. It would be beneficial to either see them all or to do one click to see them all.

I wouldn't necessarily recommend D&B for determining trade info as with my experience I haven't been able to glean that information to the degree I would prefer, but if someone is looking for payment timing and potential risk of failure, I would certainly suggest D&B as their first resource as it always can tell my days beyond terms of payments etc.