Experian vs. Dun & Bradstreet

I thought you might find this information helpful when discussing Business Credit Reports. Below are a few of the major advantages we have over Dun & Bradstreet.

Collections: Experian has over 300 commercial collection agencies nationwide reporting bad debts. These agencies do not report to D&B because D&B has their own collection service. As you know, it is important to know if a company has been placed for collections and the only database that has it is Experian.

Judgments and Tax Liens: Experian keeps Tax Liens and Judgments that have been satisfied or released for about 4 years, D&B eliminates these from the report and there will be no trace of it ever happening. It is important to track this information, otherwise, it will look like it happened for the first time when in reality the company has a history of tax liens and cash flow problems.

Objective Data Gathering: Experian only reports third party objective credit information. We do not allow a company to add information to the report that is not verifiable or credit worthy. D&B contacts a company, asks them for information on their company and publishes information gathered by these phone calls. This type of data gathering is impossible to verify and could lead to gross misrepresentations regarding sales, financials and key company information.

Flexibility: Experian is about 1/3 less in price than D&B, we have no monthly minimums and you simply pay monthly for any reports used.

Account Monitoring: Experian can provide you a weekly warning list notifying you of any major changes in our existing customers’ credit worthiness.

Management Reports: Our Collection Priority Report is free and compares each of your customers DBT (days beyond terms) to our national database to show you which ones have money and are paying other vendors but not you.