Dun & Bradstreet Analytics Transparency Statement
Dun & Bradstreet’s Models, Ratings, Scores and Predictors (“Analytics”) are derived from data elements comprising a collection of firmographic data sets, which include data about basic business attributes (e.g., industry, business size and business age), and contributed data sets (e.g., trade payment data), as well as the historical performance of such data sets.
Not all data elements of basic or contributed data sets are available to us for all businesses. In instances where data elements are not available, Analytics for such businesses may be estimated based on benchmark data derived from appropriate peer groups associated with basic business attributes that are substituted for the absent data elements. The replacement data, which is an estimate, may not result in the calculation of the same Analytics that would be calculated for a business if a business’s actual data elements were available and used instead.
Dun & Bradstreet obtains data from external sources it believes to be accurate and reliable, but Dun & Bradstreet is not an auditor and undertakes no duty of due diligence or independent verification of any information it receives. Because of the possibility of human or mechanical error, the data provided to Dun & Bradstreet may include inaccuracies or errors, which may in turn affect the performance of certain Analytics.
In some cases, you may be able to supplement the data about your business in our data sets. If you are the owner of an unincorporated business (e.g. sole trader or small partnership) or a director of a UK registered business with an annual turnover of less than £25 million (and is not part of a group which as a whole has an annual turnover of over £25 million), you can obtain a copy of your business' credit file based on the information we hold about you. Please see https://www.dnb.co.uk/marketing/media/statutory-credit-report.html for more details and how to apply. You can submit updates, subject to review, validation and potential acceptance by Dun & Bradstreet at https://www.dnb.co.uk/utility-pages/data-update.html. For all other enquiries, please contact customer services by visiting our contact us page https://www.dnb.co.uk/contact-us.html.
Our Analytics are statements of opinion as of the date they are expressed and are not statements of current or historical fact or recommendations about any businesses. Dun & Bradstreet assumes no obligation to update our Analytics following publication in any form or format.
Every business decision, to some degree, represents an assumption of risk. Our Analytics are predictions, but Dun & Bradstreet cannot guarantee the performance of such Analytics for each individual business. Further, Dun & Bradstreet Analytics do not take into account every risk that might affect a business or your specific business, including but not limited to other economic factors or changing market conditions. Our Analytics should not be relied on and are not a substitute for the skill, judgment and experience of the user of our Analytics, its management, employees, advisors and/or clients when making business decisions. Finally, past performance does not guarantee or indicate future results.
Further, our Analytics do not take into account the individual circumstances of each user of our Analytics. Therefore, each user should evaluate and use our Analytics based on individual circumstances and specific credit analysis needs. Nothing in any of our Analytics is an endorsement or a determination of a business’s qualification for a loan, or any other extension of credit. Dun & Bradstreet does not represent that its Analytics are identical or similar to any other credit score or score model.
Our Analytics are provided on an “as is” basis. DUN & BRADSTREET DISCLAIMS ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. IN NO EVENT SHALL DUN & BRADSTREET BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES, OR LOSSES (INCLUDING, WITHOUT LIMITATION, LOST INCOME OR LOST PROFITS AND OPPORTUNITY COSTS OR LOSSES CAUSED BY NEGLIGENCE) IN CONNECTION WITH ANY USE OF THE ANALYTICS EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the limitation of liability, so the foregoing limitation may not apply to you. In such states, countries, or jurisdictions, the liability of Dun & Bradstreet shall be limited to the fullest extent permitted by law.
When businesses around the world want to understand their most important relationships, they turn to Dun & Bradstreet as a trusted source – and they have for 175 years.
With rich proprietary data assets and a world-class team, we illuminate the path to growth with unique, global Analytics capabilities. We help companies enhance and scale their use of fact-based strategies to connect with the prospects, customers and suppliers that matter the most to them.
90% of the Fortune 500™ and companies of all sizes worldwide rely on D&B for the data, analytics and advanced expertise to create competitive, winning business strategies.
Dun & Bradstreet’s data scientists, analysts and PhDs average more than a decade of experience in analytics modeling, strategy and implementation. With deep presence in the U.S., Europe and Asia, this global team works across different data, method and software types to set a high bar on innovation and research and development. They’re dedicated to working with Analytic Modeling teams at many of the world’s leading companies across critical industries – Financial Services, Insurance, High Tech, Telecom, Manufacturing and others – to uncover meaning in data.
Specializing in commercial, consumer and industry-specific information, we apply the latest statistical methodologies, such as: scorecard build, regression, decision trees, machine learning and text analytics. Adding this to deep understanding the most current statistical software -- SAS, SPSS, R, and Python – gives us the unique ability to build the highest performing predictors, ratings, scores and advanced analytic models.
Our data informs our analytics and our analytics inform our data
Analytics begin and end with asking the right questions – and having the right data. If the data is wrong, the model won’t perform. That’s why each analytic engagement begins with a thorough understanding of the business problems we want to solve for you. Then we go to work to bring the right combination of data sources – yours and ours – into the equation. Think about how much richer your insights are when you augment your own data with information and transactions that have happened outside your view of your customers – but within our view as the caretakers of the world's most comprehensive collection of business data and analytical insights. We bring all this insight together to answer your most challenging business questions.