D&B data products meet the needs of businesses that transact business worldwide. Each data product provides different sets of information called data elements to meet your business decision-making criteria. The data products contain information such as:
Business identity
Number of employees
Years in operation
Industry
Corporate structure
Financial history
Proprietary D&B scores and ratings that indicate credit risk
You can use Third Party Data Integration to obtain any of these data products:
Business Verification
Quick Check
Delinquency Score
Global Failure Risk Score
Financial Standing
Decision Support
Enterprise Management
Commercial Credit Score
Vendor Management
The Business Verification Global Data Product (GDP) provides the information necessary to verify a company's existence and validate its location with background information such as primary name, address, phone, SIC codes, branch indicator, and D&B D-U-N-S Number.
The Quick Check GDP provides information that you use to perform low-risk credit assessments with D&B's core credit evaluation information. You can prescreen prospective customer accounts, evaluate a party's creditworthiness, and develop appropriate credit terms. In addition to the information in the Business Verification GDP, Quick Check includes financial event indicators, basic financial data, number of employees, payment activity summary, and the D&B Rating.
The Delinquency Score GDP contains a statistically modeled D&B score that indicates the risk of a company to make delinquent payments, based on payment history information from the D&B file. The higher the Delinquency Score, the lower the probability of payment delinquency. D&B's Delinquency Score lets you rank the customer accounts in your credit portfolio from highest to lowest risk of payment delinquency. You can also quickly divide new and existing accounts into various risk segments to determine appropriate marketing or credit policies. Most of the information included in the Quick Check GDP is also in the Delinquency Score GDP.
The Global Failure Risk Score GDP contains a statistically derived predictive score that helps you assess the risk of business failure when dealing with global companies and managing the customer accounts in your global credit portfolios. The Global Failure Risk Score is a single, uniform measure predicting the risk of business failure over a 12-month period. This data product is ideal for companies that have centralized credit processes and policies or those with decentralized credit processing that plan to globally or regionally standardize decision making. The Global Failure Risk Score GDP contains the information included in the Delinquency Score GDP and other financial data.
The Financial Standing GDP provides key financial information such as sales volume, net worth, assets, and liabilities to help you assess a party's financial condition. You can determine the financial strength of a business to set credit terms and conditions, perform research, or determine the strengths and weaknesses of a prospective customer account, existing customer account, or supplier. Key income statement and balance sheet information are provided, as well as information included in the Global Failure Risk Score GDP.
The Decision Support GDP provides information that you use with a decision support system or manual credit evaluation processes. You can improve the timeliness and consistency of credit decisions by matching your company's credit policies and requirements to D&B credit scores and ratings, as well as the party's financial information. This data product helps you set credit terms and conditions for medium- to high-risk value decisions, prioritize collection efforts, evaluate potential merger and acquisition candidates, and introduce rapid, accurate, and consistent credit decision making. The Decision Support GDP contains the data included in the Financial Standing GDP, as well as additional scores and ratings information.
The Enterprise Management GDP provides detailed demographic, corporate structure, risk, and financial information. You can use this information to improve risk assessment procedures, make better informed credit decisions, and improve the acquisition and retention of customer accounts. Enterprise Management includes the most complete set of data, scores, and ratings available about the party.
You can view the corporate structure that this GDP provides in a hierarchical display. The hierarchical relationships within the structure make up the D&B hierarchy, which you can access using Relationship Manager. See: D&B Hierarchy.
The Commercial Credit Score data product includes the Commercial Credit Score and other data elements that you can use to predict the likelihood that a company would pay invoices in a severely delinquent manner within the next 12 months. D&B defines severe delinquency as the receipt of payment more than 90 days past the due date. This data product also includes information about bankruptcies, delinquent payments, and payment history.
Note: This data product is only available to D&B customers in the US for businesses located in the US.
The Vendor Management data product provides detailed business information to help you evaluate a supplier and ensure the stability and efficiency of your supply chain. Information includes headquarters location, parent company, risk indicators, payment information and risk scores.