Business Credit Reports - Business Credit Service - Dun and Bradstreet®®

From: Steve Trumbo
Tuesday, April 5th

Business credit reports from Dun & Bradstreet® contain the keys to the growth and success of many small businesses. Everyday I deal with clients who don’t know how to get the most out of these reports. They believe that their D&B® Business Credit Reports are set in stone.

Many business people are unaware that there are a number of steps one can take to drastically improve credit scores and qualify for the financing that is so crucial to small-business prosperity.

Most importantly they don't know how to safely take these actions and avoid D&B®'s Fraud and High Risk List.

(For more information on how to avoid this potentially crippling list, click here.)

If you need to borrow money so you can move your business forward, or if you have you been declined for a business lease or loan because of a bad business credit report (or, worse yet, no business credit report), then you are in the same boat as thousands of other business owners.

How are you supposed to get ahead of the pack when it comes to securing financing? Many business owners have put themselves at a great advantage relative to their competition by taking steps to understand and enhance their D&B® Business Credit Reports thanks to my manual, D&B® Secrets Revealed.

For the last three years, I have been consulting individually with business owners on how to build, repair, and improve Dun & Bradstreet® Business Credit Reports. I have taken start-up companies and shown them how to build their D&B® Report from scratch. I have shown existing companies how to correct and enhance the information in their D&B® file.

I have shown hundreds of companies how to put themselves in a position to be approved for financing, and I am now making such information available to everyone.

To learn more about my time-tested methods for improving your business credit reports, take a tour with me through the layers of your credit situation.

Your Business Credit, Part 1: Understanding Dun & Bradstreet®
Your Business Credit, Part 2: Dealing with D&B®
Your Business Credit, Part 3: Help Is on the Way!
Your Business Credit, Part 4: Nuts & Bolts of D&B®
Your Business Credit, Part 5: Benefits of Good D&B® Reports
Your Business Credit, Part 6: Our Commitment to You

Understanding Dun & Bradstreet, Part 1:

Dun & Bradstreet (D&B®) is by far the dominant business credit reporting agency in the United States. D&B® has been collecting information on businesses from literally thousands of sources for over 160 years. They are included in virtually every business credit scoring model that banks, leasing companies and other lenders use to make a credit decision. If your company is going to need to borrow money then a good D&B® Report is essential to your success. For more information on Dun & Bradstreet click here now.

It’s crazy…

For the last 3 years I have been consulting individually with business owners on how to build, repair, and improve their Dun & Bradstreet® Business Credit Report. I have taken start-up companies and shown them how to build their D&B® Report from scratch. I have shown existing company’s how to correct and enhance the information in their D&B® file. I have literally shown hundreds of companies how to put themselves in a position to be approved for financing.

Yet everyday I still hear about "good" companies getting declined.

It seems like a never-ending stream of businesses have errors or negative information on their D&B® Report. A lot of younger companies don’t have a D&B® Report yet and get declined due to a lack of information.

If you are serious about your company’s success then you understand what having a “good” D&B® Report can do for you. More importantly, maybe you know what having a “bad” D&B® Report can do to you.

If your company has a negative D&B® Report or no D&B® Report at all you can expect to:

         Be declined for financing

         Pay higher interest rates

         Lose business to your competitor

         Pay higher Workman’s Compensation rates

         Feel comfortable and at ease when you apply for credit

Dealing with D&B®, Part 2:

In order to avoid the fates listed above, you need to know how to change your report for the better. Dealing with D&B® directly, however, is often an exercise in frustration.

Here’s what Joan Zayda had to say about her experience with D&B®.

"I had been declined for a lease because I had a low Paydex score on my D&B® report. For months I called D&B® trying to find out who was reporting negatively on my company and how to get the information corrected. I spent over $1000 on D&B® stuff and never got anywhere. They actually charged me to get a copy of my own report. Then I found out later that I could have gotten it for free. They ripped me off! Boy was I mad! A friend of my recommended D&B® Secrets Revealed and within (3) weeks my report was corrected and my financing approved." - Joan Zayda

After hearing a number of stories like Joan’s, I asked a good friend of mine who worked at D&B® why it is that companies have such a difficult time when dealing with D&B® and attempting to correct the information on their business credit reports. He just shook his head and said “it’s a big company, man.”

I decided right then and there that I would become an advocate for companies who were having difficulty dealing with D&B® and achieving the results they deserved. Now, after three years of working on D&B® reports through personal consultations, I have chosen to take everything that I have learned and put it into a “How To” manual that every business can afford. That’s how D&B® Secrets Revealed was born!

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Help is on the Way, Part 3:

My friends say I am crazy for doing this, and that I am giving away the store, but I don’t care. I have now created a “brain dump” of EVERYTHING I know about building, repairing and enhancing your D&B® Business Credit Report. I am making this information available to every business owner. It took me over three years to gather and compile this data and to put it into a form that anyone can use. Many
companies are now taking advantage of the tools and information contained in this manual.

In D&B® Secrets Revealed I will show you:

How get a FREE COPY of your D&B® report

How to build a D&B® Report for your company from scratch

How to repair and enhance your business credit rating so you will get approved for financing

I have been involved in the banking and equipment leasing industries for over (15) years. In that time I have seen literally 10’s of 1000’s of good companies get declined for financing because of incorrect or negative information on their D&B® Reports. Perhaps they didn’t have any negative information on their report, but they just didn’t have enough positive information. Maybe there was no D&B® Report at all!

Whatever the case, when these companies went back to D&B® to find out why this information was on their report or to get help in building a new report, they hit a brick wall.

They became very frustrated with D&B®.

It was like dealing with the IRS.

They were getting nowhere.

I still do individual consultations, but at $2000 to $2500 some smaller companies who really need my services are not able to afford them, so I have come up with this alternative. D&B® Secrets Revealed will show you exactly how to deal with D&B®, who to speak with at D&B® (if you think it’s customer service, guess again), and specifically how to get the results you want and deserve. I am so confident in D&B® Secrets Revealed that I offer this guarantee:

If you are not 100% satisfied with this book, I will either return your money in full, no questions asked, or I will do the work for you myself.

I've Heard Enough... Take Me To The Order Form! Click Here

Nuts & Bolts of D&B®, Part 4:

Get Started Building and Repairing Your Credit Today

To get started on building or repairing your company’s D&B® Report, you first need to find out if D&B® has any information on your business. D&B® Secrets Revealed will take you step by step through the process of obtaining a FREE Copy of your Dun & Bradstreet® Business Credit Report, and will help you to answer
the following important credit questions:

Is there a D&B® on your company?

What does it say?

Is the information about your company correct?

Do you have a good score or a bad score?
What is a “good” score or a “bad” score?
Who is reporting on your company’s payment habits to D&B®?
Are suits, liens or judgments showing open that have been paid?

Are your financial statements on your report?
Should you give your financial information to D&B® at all?
Are any collection items indicated on your report?

What does this all mean?

All of these questions are answered in detail in my book,
D&B® Secrets Revealed.

Building a New Report: If there is not a D&B® Report on your company or your report has a DS Rating (Duns Support), you are in essence starting from the beginning. This is not necessarily a bad thing. D&B® Secrets Revealed will take you step by step through the process of building your Business Credit Report from scratch. I will show you exactly how to get only the information you want on your Report. There
is absolutely no reason why you should not have a perfect business credit report when you are done. Building your report from scratch takes about three weeks. To get started on building your own report right away you are welcome to click here and purchase D&B® Secrets Revealed now.

If you do have a D&B® Report here is a quick description on what you want it to look like:

Your overall D&B® Rating should be a 1 or 2R2 or a 1 or 2R3.

Your Paydex score should be a 70 or better.

Your percentage of payments within terms should be above 65%.

No suits, liens or judgments should be present (either paid or unpaid).

No financial statements should be on the report.
No collection items should be listed on your report.

If the description above is the picture of your company, then you can stop reading. Go take the dog for a walk and relax. You have done a great job at building your business credit report. Just keep checking on it every couple of months to make sure it stays in this condition and you will be fine. D&B® will charge you $250 or more per year to do the same thing.

If you know that your D&B® Report is in great shape and you are interested in equipment financing or getting a payment quote for up to $75,000 of equipment for your business, then click here now. You will likely be approved.

If you are like the rest of us, your report probably does not match the description above.

But all hope is not lost!

In most cases you can repair or build your credit report into a 1or 2R2 or a 1or 2R3 rating in as little as one to four weeks. Whatever your issue is, D&B® Secrets Revealed will show you exactly how to repair and enhance your D&B® Report.

Now as I mentioned before my usual Consultation Fee ranges from $2000 to $2500 so this is quite a guarantee.

Read our 100% Satisfaction Guarantee

Of course, D&B® Secrets Revealed comes with my 100% money back guarantee. If you are not completely 100% satisfied with my book, I will refund your money in full or do the work myself. It is that simple. As I mentioned before, my usual Consultation Fee ranges from $2,000 to $2,500—making this quite a guarantee.

The Benefits of Good D&B® Reports, Part 5:

We talk a lot about the potentially harmful effects of a bad business credit report. The benefits of creating a good D&B® report are also worth mentioning, as they can create fantastic opportunities for you and your business. The strategies and hints found in D&B® Secrets Revealed can help you to:

Reason #1 To Have a Good D&B® Report – Get Approved For Financing!

Imagine your landscape company has just won the bid with a new real estate
developer who will be building 500 homes in your area over the next five years. You can start your excavation work next week but need a bigger machine than the one you have. You find the machine you want for $50,000 and apply for financing.

What will you do when you are declined?

Well, you could pay cash for the machine if you happen to have $50,000 laying around. Your only other real option is to rent the machine you need at about 5 times what a monthly lease or loan payment would be. Talk about throwing money away! If your D&B® Report were in good shape you could have been approved for financing within 24 hours and have your machine the next day.

Reason #2 To Have a Good D&B® Report – Pay Lower Rates and Win Business

Let’s say you got approved for the equipment financing, but, because
of a poor or nonexistent D&B® Report, you had to settle for a higher rate. Look at the money you would be throwing away:

Approved at 8%                            Approved at 18%
$50,000 for 60 Months                $50,000 for 60 Months
Monthly Payment = $1014         Monthly Payment = $1270
Total Paid = $60,840                    Total Paid = $76,200

You would have lost $15,360 just because you hadn’t paid attention to your D&B® Report!

To make things worse, if you did happen to get approved at the higher rate, you would certainly have to sign personally. You are personally obligating yourself to pay this debt in full should the business be unable to do so. Such a contract is a contingent liability that you will have to disclose each time
you apply for a mortgage, home-equity or business loan. This additional business debt is then included in your personal monthly expenses for the purposes of calculating your debt to income ratio, which further hurts your credit rating. The credit game can become a vicious cycle when D&B® Reports are not properly maintained.

Reason #3 To Have a Good D&B® Report – Save Money on Your Workman’s Compensation Rates

Insurance companies are now pulling D&B® Reports on businesses to determine their Workman’s Compensation rates. The slower a company appears to pay its
bills, the higher the chance of an on the job accident—that’s the theory, in any case. We actually had one client that was unable to obtain any workman’s compensation insurance at all because of a negative D&B® Report. Personally, I think using a business credit report to determine insurance rates is just another way for the insurance companies to charge more. Trust me, nobody I know of is getting a lower rate because of a good report. But a lot of companies are being penalized because of bad reports, so it pays to keep your eye on your D&B® rating to avoid unnecessary premiums.

Do you know what is on your D&B® Report?

To get started on building or repairing your company’s Report you first need to find out if D&B® has any information on your business. D&B® Secrets Revealed will show you how to get a FREE COPY of your D&B® Report, how to repair or correct any negative information on the report, and how to enhance your business credit rating so you will get approved for financing.

Hey, we don’t make the rules, we just show you how to play by them.

You want two things:

1.) You want to be able to get money for your business quickly and easily with as little hassle as possible.

2.) You want the lowest interest rate you can get.

Reason #4 To Have Good D&B® Report – Save Embarrassment

Have you ever personally applied for a car loan or a credit card and been declined? How did that make you feel? Were you proud or embarrassed? Most people think that missing a credit card or mortgage payment here or there is not that big of a deal--that is, until they get declined. Those of us who know what such a situation is like know it’s not a good feeling to sweat out a credit
check. Don’t fight the system, learn to work within it!

On the other hand, imagine knowing that your Business Credit Report is in top condition. You know you will be approved. Now that’s a good feeling!

D&B® Secrets Revealed covers all of the above situations, as well as every other scenario that I have come across over the last three-plus years. If you run into something that is not included in the book, just call me, I will be glad to work with you. Here is the Table of Contents for D&B® Secrets Revealed:

My book is written just like I am talking to you now, so it is not overly technical or dry. In fact, if you would like to read a chapter for free, click here now and sign up for our Free Newsletter. As a free gift we will send you a chapter from "D&B® Secrets Revealed" on How to Remove Financial Statements from your D&B® Business Credit Report. This chapter was sold for $69.99 as its own repair module, but we are now giving it away for free to show you what our product can do!
This one chapter alone has kept many of our customers from being declined for financing and saved them thousands of dollars!

Did you know that you should never provide your financial information to D&B®? This FREE Chapter will give you the top (5) reasons why you should not provide your financial statements to D&B®. But better yet, if you have already made this mistake, this Chapter will show you exactly how to have this information removed from your file.

This is a private mailing list and it will not be sold or given away for any reason (click here to read our privacy policy). You can un-subscribe at anytime.

Sign up and receive Important Free Information...

Sign up now to receive your FREE chapter from "D&B Secrets Revealed" on How to Remove Financial Statements from your D&B Business Credit Report. This chapter sold for $69.99 as its own repair module, but we are now giving it away for free to show you what our product can do!

First Name:

E-mail:

I've Heard Enough... Take Me To The Order Form! Click Here

Your Business Credit, Part 6:

Get Started Building and Repairing Your Credit Today

So what would you pay for information that can get you approved for financing and save you tens of thousands of dollars? $500… $1,000… $1,500? You already know what I charge for a personal consultation. I thought long and hard about what to charge for this manual.

You can’t find this information anywhere else. Nobody else knows what I know or does what I do… nobody.

After weeks of literally going back and forth on the price, I decided to really make this knowledge affordable to anyone. I decided that $297 was a price that anyone who was sincerely interested in building the best credit profile possible for their company would gladly pay.

Now that you know what I am charging for my manual, and you know the guarantee that I make available, you must be wondering why I am giving away this information for such a low price.

Why?…

Because I am sick and tired of watching hard working, entrepreneurial business men and women get declined for financing when they should be approved.

I am tired of watching these same people struggle with trying to repair their business credit themselves with no guidance and very often making things worse than they originally were.

I am tired of watching them waste their valuable time on something that should be so simple.

I am an optimist and I like rooting for the underdog. I want to see people succeed. Wouldn’t be a shame if a simple error on a D&B® Report stopped the next Microsoft from ever coming about?

I will continue to perform personal consultations for customers who choose to take that direction. If you are interested in my Personalized Consultation Services, click here now to fill out our quick form and I will contact you. Even at my current rates, however, my time does not allow me to help everyone. I suppose I could just charge more for my time and see what the market would bear. The truth is, I would like to help as many people as I can. Since my overhead is lower when disseminating information in book form, I am passing these savings along to you.

Don’t worry—I won’t just send you a “How To” manual and then disappear. I mentioned my guarantee earlier but let’s hit it one last time because it is at the heart of my business:

If you are not 100% completely satisfied, I will either return your money in full, no questions asked, or I will do the work for you myself. I have been giving the same money back guarantee for over three years now and I am proud to say that not one client has asked for a refund. Now that’s a pretty good track record!

Read our 100% Satisfaction Guarantee: click here

Here’s what one of our customers had to say:

"We have (4) companies that have used Your Biz Credit’s services for the last (2) years. When Steve told me that he was putting all of his knowledge into a manual form frankly I was a bit surprised. I really don’t know how he does what he does so his book must contain some pretty good secrets." - Tom Tuckerton from Bartlett, Nebraska

These manuals are a “brain dump” of EVERYTHING I know about building, repairing and maintaining the best business credit profile possible. It took me over (3) years to gather and compile this information and to put it into a form that anyone can use. Since my overhead is lower, I am passing these savings onto you.

Your choice is really a very simple one. You can continue to struggle with declined loan applications and higher rates, or you can repair and build the best credit file for your company for a fraction of the savings you will experience.

And best, D&B® Secrets Revealed is a life long resource that you can use for years and years to come. Maybe your issue now is a low paydex score and you don’t have any tax liens right now. But at some point, you may have a tax lien. You will already have the resource to have the lien removed from your report! It never hurts to be prepared and $297 is a cheap insurance policy.

Buying D&B® Secrets Revealed is like buying Microsoft at $10 per share: it’s guaranteed to yield tremendous returns.

If you want to put your business on the road to success and snowball it’s growth, start right now with a proven plan for building the best credit profile possible.

Yes, Steve! I'm ready to repair, enhance and build the best credit profile my company is entitled to!

Please direct me to your secure check-out so
I can start today...

If you do not feel the knowledge you gain from my book is worth $297.00 and has greatly enhanced your companies business credit report and financial opportunities, we will give you your money back.
No questions asked.. that is my 100% guarantee!

Your Biz Credit can be reached by phone Monday thru Friday 9:00pm-5:00pm EST. Please call if you have any questions or reservations: 866-427-2300

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D&B® Secrets Revealed is sent via ebook so you can be working on repairing your business credit as soon as today. You could be getting approved for loans and leases in just three weeks!

Best of luck on your road to success!

Sincerely,

Steve Trumbo

President - Your Biz Credit, LLC

P.S. Don’t forget that D&B® Secrets Revealed is tax deductible as a business expense.

P.S.S. Still not convinced that D&B® Secrets Revealed can help your companies financial situation, click here now!

Subscribe to my bi-monthly Your Biz Credit Newsletter with hundreds of tips and secrets about building your business credit. This is a private mailing list and it will never be sold or given away for any reason (click here to read our privacy policy). You can un-subscribe at anytime.

Also, as a free gift we will send you a chapter from "D&B® Secrets Revealed" on How to Remove Financial Statements from your D&B® Business Credit Report. This chapter was sold for $69.99 as its own repair module, but we are now giving it away for free to show you what our product can do!
This one chapter alone has kept many of our customers from being declined for financing and saved them thousands of dollars!

Yes, Steve! I'm ready to repair, enhance and build the best credit profile my company is entitled to!

Please direct me to your secure check-out so I can start today...

2 Easy Ways To Order...

Please direct me to your secure check-out so
I can start today...