No D&B is not enough! This may have been true in the early 2000s, but not now. The D&B PAYDEX Score is critical when beginning; however, the most important business credit score is the Experian Intelliscore, which has a scoring model similar to a FICO score. Further, a "starting score" shows that a few vendor accounts were paid on time by paying for a few purchases of $50 or more. To get fully rated requires multiple trades on ALL of the major business credit bureaus.