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Article Title:
==============

Small Business: Don’t Be a Dunce, Get a D-U-N-S

Article Description:
====================

Your idea is great. You’ve got a great product,but are you really
ready to start doing business? This is the 21st century and
“charge it” is the mantra of the day. And credit is just as
important to a business owner as it is to a consumer. That’s why
every new business needs to establish a credit file. That’s where
a D-U-N-S number comes in.


Additional Article Information:
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527 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2008-04-01 11:00:00

Written By:     Melissa Mashtonio
Copyright:      2008
Contact Email:  mailto:[EMAIL PROTECTED]



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Small Business: Don’t Be a Dunce, Get a D-U-N-S
Copyright (c) 2008 Melissa Mashtonio
Manta
http://www.manta.com



Maybe you’re contemplating starting a business. Maybe you’re past
that step and it’s time to start doing business.

Your idea is great. You’ve got a great product,but are you really
ready to start doing business? This is the 21st century and
“charge it” is the mantra of the day. And credit is just as
important to a business owner as it is to a consumer. That’s why
every new business needs to establish a credit file. That’s where
a D-U-N-S number comes in.

A Dun and Bradstreet D-U-N-S(r) Number ("D-U-N-S" stands for
"Data Universal Numbering System") is a unique nine-digit
sequence recognized as the universal standard for identifying and
keeping track of more than 100 million businesses worldwide.
According to D&B, a D-U-N-S Number:

 * enhances the credibility of your business in the marketplace

 * enables potential customers, suppliers and lenders to easily
identify and learn about your company

Businesses aren’t required to have a D-U-N-S Number but the U.S.
government and many major corporations require their suppliers
and contractors to have one. Basically, if you ever plan to open
credit accounts with major vendors or suppliers, you have to go
through this process.

Just like individuals, businesses need to build credit.
Establishing a business credit file helps you get better interest
rates, increase the likelihood that others will extend credit to
you, lower your insurance premiums and, most important, make it
easier for business partners to assess the risk of doing business
with you.

Not having a business credit file with D&B (or having an
incomplete file) can make your company appear to be unsound
financially and could cost you valuable business.

There are two ways to start building a credit file:

1. Almost any large company that you have an account with will
automatically report on a monthly basis to D&B

2. You can specifically request that D&B contact your smaller
non-reporting suppliers and query them on your payment history
(D&B charges a small fee for this).

Wait! Aren’t We Putting the Cart Before Horse?

If companies use your D&B credit file in order to grant you
credit, how do you do enough business to establish credit without
a credit file? That’s the challenge all businesses face.

When you start a new business, you have no credit history, and
your D&B file reflects this, so the file is worthless to
suppliers trying to evaluate your creditworthiness. But there is
no harm in having an "empty" D&B file for a while; even an
empty file can help you establish certain kinds of accounts. The
best ways to start building your file:

 * Launch new supplier relationships paying with cash/check or
credit card

 * Establish a personal relationship with your primary contacts
at your “key" suppliers.

The goal is to build trust in you—and, by extension, your
company. These relationships will be reflected in your file and
you start building credit.

The bottom line is that it will take time for the file to collect
data. This is just another reason to apply for your DUNS number
as part of your new business checklist. The sooner you get a
D-U-N-S Number, the sooner it has the potential to start helping
you. 




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Melissa Mashtonio writes for Manta, the go-to site for 
researching company profiles. The site (http://www.manta.com) 
offers free research on more than 45 million companies in the 
U.S., Canada, Australia and the UK. Use Manta.com to find the 
largest companies in your city.


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