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Dun and Bradstreet DUNS Numbers may now be essential for Small Business Owners

With the recent credit crackdown from lending institutions due to the weakening economy - an increasing number of small business owners are experiencing reduction in their lines of credit, regardless of whether they have a good credit scores or not.

Take the case of this small business owner who routinely pays off all his credit cards in full each month. When he contacted the credit bureaus to find out why this happened, they informed him that there wasn’t enough information on his small business from Dun and Bradstreet.

Dun and Bradstreet “duns number” for those of you unfamiliar with them is a sort of “social security number” for businesses. Much in the same way that the credit bureaus routinely access your personal credit information from the credit bureaus, they do the same thing for business credit relying on data supplied from Dun and Bradstreet.

Here are a couple of scenarios where not having a Dun and Bradstreet might hurt you:

• You are planning to obtain a business loan
• You need to purchase or lease equipment
• Your cash flow is tight
• You want to ensure you are getting a fair deal from lenders compared to your competition
• You want to pay net 30 days instead of COD (Cash On Delivery)
• You are paying interest at prime plus 1, or even higher
• You plan to do business with entities that require a D-U-N-S® Number, e.g. the US Government

If you are a small business owner or plan to open up a small business, you are well advised to obtain a Dun and Bradstreet number and start building your business credit as soon as possible.