Interesting thread and just wanted to weigh in on my personal experience with D&B. I have been around Creditboards for a while and some (lostartworks,onmyway,etc)might remember some of my post in my early days here. I started a corp biz in 7/04 and purchased credit builder against other members advice. I must admit early on I thought it was the best business decision for me at the time. Built an 80 paydex in about 2 months with 7 tls reporting. Everything seemed smooth and I must say I was feeling like the other members here that had nothing good to say about D&B were just misinformed. I even got flamed by a couple. I thought to myself who cares what they think I am on my way! well I was wrong! So fast forward 2 weeks and I get call to buy another product "selfmonitor" I kindly declined. Around a week later I get a call from another D&B sales rep asking me to verify some business credit data, address, employees etc. I went to eupdate to do this and my password wouldn't work so I called and they said I was "locked out" my company data was not accurate. D&B went as far as to completely destroy my file with there own unfounded information. They coudn't find my biz address on file so they made up one. My file went to high risk status and I lost paydex and access to eupdate in just a matter of days. I spent hours on the phone over the next week trying to convince them that there info was inaccurate and that I could verify all my data. I even reminded them that I was a "creditbuilder" customer but they kept shooting holes in everything document of proof I submitted. Eventually I just got too tired to pursue the matter anymore. D&B can and will do that to you just wear you out. Alright fast forward ahead a couple months I decided to start a 2nd corp biz in around mid/05. I was determined not even to take as much as a phone call from D&B. I applied for the government duns and got it in 2 days. I literally built an 80 paydex file with them in under 30 days with not one cent paid or one phone call made. I have never had a problem with the second biz. I firmly believe I had no trouble because I never emailed them or took a phone call from them or paid one red cent to them, the less contact with D&B the better. I have nothing good to say about them personally, I would love to see them go belly up. Remember this is my personal experience and only my opinion. Not trying to give advice just want others to know it could happen to them too. Good luck to the OP.