How do you know if the payment data you have collected on my business is correct?

D&B have been collecting payment data for over 25 years and we collect in excess of 100 million payment experiences on European businesses each year. The data is collected monthly from accounts ledgers provided by D&B’s Trade Partners, who provide the data on a confidential basis. This gives an unbiased picture of how a business is paying their suppliers and other financial obligations as well as illustrating payment trends over time. Both large and small invoices and positive and negative experiences are included; however, we ask our Trade Partners to exclude any invoices/accounts that are disputed.


We work hard to ensure that the data that we are collecting and releasing into the database is correct. There are many manual and automated checks that all trade data goes through before it is added to a company’s record, and we work hard with our partners to ensure that the data that they supply to us is clean and query-free.

For example when we receive the information, we check the format and run the data internally to produce a sample. The sample is sent back to the Trade Partner for verification, and only once the sample is approved is it added to our database and released. The Trade Partner continues to provide us with this data each month, and again we have checks in place: if the change in general payment trend from a Trade Partner is considered excessive it is verified with the Trade Partner before being added to our database.


Because of the diversity of the suppliers of this data and its unbiased nature we are confident that even a small sample is indicative of a company’s payment behaviour.

Although the Trade Experiences we hold are unlikely to include a business’ total payments, they do provide an independent sample of how the business is paying their suppliers. The statistical analysis we use to develop our score models has proven that even a small number of Experiences will improve the predictiveness / performance of our scores.

Was this answer useful?