D&B Credit Insights vs. Experian Credit Risk

For businesses looking to boost their business credit and get approved for small business loans that are not personally guaranteed, this is a game changer. You will always know where your business stands and what creditors will see when they are deciding to loan to you or not. If you are a sole proprietor I don't think this will help, I believe you need an LLC, Corporation, Parntership, etc - a separate entity from your SSN so that entity can begin to build credit based on the business and not your personal assets and credit

Incentivized

Experian credit risk is a great tool to assess your customers and take risks appropriately. It is specifically suited to underwrite your customers. It is not so well suited to predict the affluence or spend propensity of your customers.

Incentivized

• Gives us free alerts whenever there's a change on our credit profile.
• Helps us understand what factors are affecting score and how to increase it.
• Allows us ability to get better rates!
• Excellent price point especially compared to other services!

Incentivized

• Climate credit analysis
• Probability of defaulting
• Credit risk pricing

Incentivized

• Using the correct personal credit score. My score is not right and won't allow me to change it.
• Have more financial options available for businesses that actually need funding. The requirements state we need to make a certain large amount in order to be approved for funds.
• New and slow growing businesses should have business lives of credit automatically.

Incentivized

• Algorithm could be more transparent
• Sometimes the recommended actions don't end up immediately increasing score
• Too costly

Incentivized

Best product I've tried

Incentivized

it was our first foray and seemed vast and easy to use

Incentivized

Experian has much wider coverage, more reliable data, and gives predictions on default rates reliably.

Incentivized

• D&B Credit Insights has provided us with credit recommendation to prepare ourselves for potential bad customers
• It has provided us with PAYDEX information to determine how long it would take us to collect the outstanding receivables
• It has provided information for existing customers if they will or have gone bankrupt, closure or failure to prepare our potential bad debt for outstanding receivables

Incentivized

• Extracts all data from PDF format which helps us not to miss any data during [the] evaluation process
• Audit trail changes helps us to analyze anomalies
• Extremely transparent outputs to take decision

Incentivized