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Reason #1 – You Can Be Placed In D&B’S High Risk Alert Department

The greatest risk that individual business owners run when trying to build, correct or repair their Dun & Bradstreet Business Credit Report is landing on D&B’s Fraud or “Severe Risk” list. That is not where you want to be. D&B has a “special department” just for companies flagged as a high risk. They will put language on your report as to why you have been included in this group and will not allow you to see your own report. You will have to deal with the person assigned to your “case” at D&B. You are now in the unfortunate position of being found guilty until you prove yourself innocent. And that’s not easy. You are about to go under the microscope. Also, D&B will send a “Special Alert” to anyone who has pulled your D&B Report over the last (90) days informing them that you have been red flagged as a high risk at D&B. Not good.

How do you end up in the “severe Risk” department? In an effort to build the best credit profile possible many business owners try to make their Report “TOO” perfect. Having been a lender for years I can tell you that when we saw a D&B Report with a Paydex score over 80, we always looked harder at the deal. Why? There just aren’t that many companies out there paying their bills ahead of time. A Paydex over 80 can look “manipulated.” Create too good of a D&B Report and you can get RED FLAGGED!

Another red flag is when you have made too many changes to your report or too drastic of changes to your report. Every time you go into your report to view it or check to see if changes have taken place D&B knows it. Check your report too many times in too short a timeframe and you got it… RED FLAGGED!

While there are other dangers, a final common occurrence happens when you start to apply for financing. If you apply in too many places or the broker you applied through unscrupulously shotguns your request out to (10) different lenders, your D&B Report is going to be purchased by all of them. D&B doesn’t know that these in essence are all the same application; they just see you applying for money everywhere. Too many hits from too many lenders in too short a timeframe and BOOM… RED FLAGGED!

D&B Secrets Revealed will show you how to stay out of the “High Risk Department.”



Reason #2 - D&B Will Attempt To Make You Pay For Information That Is Really Free, Or At Least Less Expensive. They Will Sell You Products You Don’t Need.

When you call into D&B’s “Customer Service” department you are really calling into an inbound telemarketing center. These folks do nothing but try to sell D&B products and services all day. They are paid up to a 50% commission on the total dollar amount of “crap” that they can sell you. You just happen to be the next caller. Now you will hear me mention many times that I am not a D&B “basher.” And I am not. I just don’t think it’s right when people try to sell you something that you don’t need or won’t produce the result you are hoping for. This salesperson doesn’t care! They just want to sell you something… ANYTHING! Depending on which sales representative you get you will be quoted different prices for the same services. Some representatives will just hang up on you. Why not, you can’t call them back… the sales reps aren’t allowed to answer their own extensions. You have to leave a message and they decide if they want to call you back. Good luck if you are not a buyer. 

Certain sales representatives have mastered the “scare” tactic approach. They will tell you if you don’t do this or buy that “your D&B Rating will be negatively affected.” That's just not true, but these guys are good; come on, they do it ALL DAY LONG. It’s their job. 

There are MANY times when I recommend using a D&B service. There’s nothing wrong with the services. The services are fine. It’s how they are being sold and will they produce the results you are looking.

In D&B Secrets Revealed I take you step by step through your own D&B Report and show you what services (if any) you should purchase to achieve the results you are looking for. D&B Secrets Revealed will give you the name and extension of a qualified and knowledgeable D&B representative, as well as a contact to speak with if you are if you are treated rudely, (and you will be if your not buying). 



Reason #3 - D&B Salespeople Are Not Going To Tell You How To Repair Your Report. 

This relates closely to Reason #2. First, the sales reps at D&B are not knowledgeable as to what a lender or creditor is looking for. They are telemarketers, not lenders. Sure, they know a good Paydex is important, but they won’t talk to you at all about your % of payments within terms. That’s because the product they will push at you to raise your Paydex score may or may not fix your % of payments within terms. But both these items are equally important when a lender reviews your report or puts your company through a credit scoring system (98% of lenders use some type of scoring system). Once again, the telemarketer is just after the sale.

But even more important then a lack of knowledge is that D&B is not going to tell you how to repair your report. They can’t!!!! That would damage the integrity of the information they sell to the creditors and lenders that subscribe to their service. If every report looked good, why would anyone need to buy them? Do you understand the game you are in? D&B is the “National Enquirer” of business credit; they want to find as much dirt on your company as possible. That way when a lender pulls your report and declines your company the lender can say, “Good thing we pulled that D&B Report.”  They will never know that they past on a solid transaction because of a decision based on bad information contained in the D&B report.



Reason #4 - Information You Don’t Want On Your Report Will Show Up.

I know, you think D&B is your friend. You think they want to help. And you want to be honest so you pour your story out to D&B, confident that they will understand your situation and take your side. LOSER!

Speaking with D&B can be like a magazine interview. You go into the interview a little nervous. But good news! The person interviewing you seems so nice and on your side, allowing you to explain why you had such large losses last year. You explain that you lost your largest customer because you were unable to deliver their order on time because an accidental fire started in a neighboring business destroyed your warehouse. You walk out of the interview thinking, “hey, that went pretty well.” 
Then the article comes out….

"Revenues for ABC Company were significantly lower last year leading to large losses. The company lost its largest account by not fulfilling its delivery obligation and is currently being sued for Breach of Contract. In November, a fire destroyed the company’s main warehouse. The fire remains under investigation. Management indicated that no plans for a new warehouse have been made. Revenues are expected to remain low according to management’s estimates."

You get the idea. D&B is notorious for using the “scare tactic” in tricking you to provide them your financial information. Do you really want your competitors to have your financial statements? For $40 D&B will sell them to them. (I told you they would sell anything). 



Reason #5 - Time

It is possible for you to repair your D&B Report yourself. However, if you attempt to do this, my guess is that it will take you between (3) to (4) months to complete. You will have spent hundreds of dollars on products and services that were either available for free or that you didn’t need and you have about a 20% chance of success. You will have developed a complete disgust for D&B and be frustrated beyond your own belief. (If you have hair now, you won’t by the time you are done). You will have spent hours upon hours of your time on hold when you could be doing something productive and profitable for your business. 

So what should you do? How do you build, repair of enhance your D&B Report and not fall into these traps? As I mentioned above, you can do this work yourself. You can do your own taxes as well as represent yourself in court, although most people enlist the help of a tax preparer or an attorney. And that's exactly what you should do.  That's why D&B Secrets Revealed was created. D&B Secrets Revealed will give you the help you need to build, repair, or enhance your D&B Business Credit Report and keep you out of trouble and save you from spending money unnecessarily. 

Look, there are literally thousands of companies that offer personal credit repair services. There are even a handful of companies that offer a Dun & Bradstreet Business Credit Report “building service.” But no one, and I mean no one, except Your Biz Credit, shows existing business owners how to repair and enhance their Business Credit Report to its finest condition possible. That’s all we do! Nothing more. We don’t sell incorporation services, we don’t give tax advice, and we don’t do personal credit repair. 

Click here to purchase "D&B Secrets Revealed" now.