# Dun & Bradstreet Canonical URL: https://fundmyequipment.com/learn/glossary/dun-bradstreet/ Last modified: 2026-05-29T19:39:17+00:00 Type: efin_glossary ## Summary Major business credit reporting agency. Issues DUNS numbers and PAYDEX scores. ## Content Dun & Bradstreet (D&B, often "Dun and Bradstreet") is the largest business credit bureau and analytics company in the US. D&B issues the DUNS number (a unique 9-digit business identifier) and the Paydex score (a business payment-history credit score). For equipment finance, D&B data is a key input to business-side underwriting. D&B core products DUNS number: free unique business identifier. Learn more Paydex score: business credit score (1-100, higher is better). Learn more Business credit report: trade payment history, public records, financials, ownership Hoovers: business intelligence database for sales and marketing D&B CreditBuilder Plus: subscription product for businesses to monitor and improve their D&B credit How D&B data is used in equipment finance Lender underwriting: D&B Paydex score factors into approval decisions, especially for businesses with limited personal-credit reliance Trade reference verification: D&B tracks payment patterns with suppliers and vendors Industry classification: D&B assigns SIC and NAICS codes used by lenders for industry-restriction rules Risk indicators: D&B "Stress Score" and other risk indicators Ownership and affiliation tracking: D&B maintains corporate-family-tree data showing parent and subsidiary relationships D&B vs Experian Business vs Equifax Business D&B is the largest and most widely-referenced business credit bureau. Experian Business and Equifax Business are competitors. Many lenders pull all three; some primarily use D&B. Building D&B credit Get a free DUNS number at dnb.com Open net-30 vendor accounts that report to D&B (Uline, Quill, Grainger) Pay early or on time Build 3-5 reporting tradelines Establish a Paydex score of 80+ This process typically takes 6-12 months but pays off in better equipment-financing terms and broader lender access. Disputing D&B data If your D&B credit report has errors: Sign up for a free D&B account at dnb.com Review your credit report Submit a dispute through the online portal D&B reviews and corrects (typically 30-45 days)