Dun & Bradstreet has been providing commercial credit reports for more than 150 years.

D&B Risk Management Solutions™ provides reports that help mitigate credit and supplier risk, increase cash flow, and drive increased profitability. NACM Oregon provides a variety of D&B reports to members.

Business Information Report (BIR)

Sample and  How to Read the BIR

The most useful general-purpose tool for finding out about a specific company is a D&B Business Information Report.

The Business Information Report includes:

  • Company’s Background, History, Executive Summary & Operations Details
  • Analysis of company payments by the creditors’ line of business
  • Public record filings – outstanding suits, liens, judgments & bankruptcies
  • D&B Rating, our widely-used indicator of financial strength and viability
  • PAYDEX Score, D&B’s unique payment performance index
  • Payment Status by Trade Credit Experiences

The Business Information Report also has recently been enhanced to include:

  • The D&B Viability Rating: an evaluation tool that offers a comprehensive assessment of whether or not to do business with a company. Only the D&B Viability Rating combines the most comprehensive measures of risk to deliver a highly reliable rating analyzing the current and future health of a business.
  • Credit Limit Recommendation: Provides a benchmark guideline of how much credit to extend, based on D&B’s predictive scores and analysis of similar businesses.
  • Payment Trends Profile: Shows the business’s payment trends over the past year, including industry comparisons.
  • Corporate Family Linkage: Lists related businesses – branches, subsidiaries and affiliated companies (sharing the same parent).

Comprehensive Report

Sample

D&B’s Comprehensive Report is D&B’s most complete risk management report, designed to help you assess new and existing business relationships where the large-dollar and/or long-term nature of the commitment pose a significant risk or opportunity to your business. This report combines the background, payments and financial information from the Business Information Report with the power of D&B’s predictive scores, helping you determine both the current profile and future outlook for an account.

In one report you get:

  • Predictive scores based on statistically proven mathematical models that indicate the likelihood of a firm paying in a severely delinquent manner our Commercial Credit Risk Class and the likelihood of a company experiencing financial stress within an 18 month period our Financial Stress Class so you can quickly identify larger accounts requiring closer scrutiny
  • Supporting data to help you understand what the scores mean
  • The D&B Viability Rating an evaluation tool that offers a comprehensive assessment of whether or not to do business with a company. Only the D&B Viability Rating combines the most comprehensive measures of risk to deliver a highly reliable rating analyzing the current and future health of a business.
  • Comparisons of company performance with D&B’s industry norms for standard financial ratios, timeliness of payments, credit risk and financial stress.
  • Summarized business information on payment trends, financial performance, public record filings and company operations to support your own assessment of an account
  • Credit Limit Recommendation: Provides a benchmark of how much credit to extend, based on D&B’s predictive scores and analysis of similar businesses.
  • Payment Trends Profile: Shows the business’s payment trends over the past year, including industry comparisons.