Direct+ Product Documentation
The samples provided are representative of what can be included in requests or will be returned in responses. In order to provide comprehensive samples, values may have been added for the sole purpose of these examples and may be null or empty in the actual API responses.
In addition, values in both requests and responses have been "faked" or modified to protect potentially private data (e.g., phone number) where applicable. Therefore, using requests exactly as is may not return any results.
D&B Blended Score V2
POST https://plus.dnb.com/v2/consumerrisk/blendedscore
Authorization: Bearer yourToken
{
"customerTransactionID": "123",
"customerReference": "Reference",
"searchReason": "BS",
"organization": {
"duns": "214567885"
},
"individuals": [
{
"sequence": 1,
"birthDate": "1950-01-31",
"namePrefix": "MR",
"givenName": "JOHN",
"middleName": "H",
"familyName": "SMITH",
"nameSuffix": "JR",
"addresses": [{
"addressCountry": {
"isoAlpha2Code": "GB"
},
"addressLocality": {
"name": "Alpha Town"
},
"addressCounty": {
"name": "Morris County"
},
"postalCode": "X9 9XX",
"streetAddress": {
"abodeNumber": "A2",
"buildingNumber": "8",
"buildingName": "The Edge",
"streetName": "Honey Loop Drive"
}
}]
}
]
}
{
"transactionDetail": {
"transactionID": "rrt-08c12a42931e62244-d-ea-55194-11340052-2",
"customerTransactionID": "123",
"transactionTimestamp": "2025-03-18T12:56:47.694Z"
},
"inquiryDetail": {
"customerReference": "Konrad UAT",
"organization": {
"duns": "221468423"
},
"individuals": [
{
"sequence": 1,
"birthDate": "1974-06-02",
"namePrefix": "MRS",
"givenName": "GRACIE",
"familyName": "GREBE",
"addresses": [
{
"addressCountry": {
"isoAlpha2Code": "GB"
},
"addressLocality": {
"name": "locality"
},
"addressCounty": {
"name": "county"
},
"postalCode": "X9 9BD",
"streetAddress": {
"abodeNumber": "A",
"buildingNumber": "15",
"buildingName": "building",
"streetName": "TWELVE ACRE CRESCENT"
}
},
{
"addressCountry": {
"isoAlpha2Code": "GB"
},
"addressLocality": {
"name": "locality"
},
"addressCounty": {
"name": "county"
},
"postalCode": "X9 9BD",
"streetAddress": {
"abodeNumber": "A",
"buildingNumber": "15",
"buildingName": "building",
"streetName": "TWELVE ACRE CRESCENT"
}
}
]
}
],
"searchReason": "BS"
},
"individuals": [
{
"sequence": 1,
"consumerRiskReport": {
"creditReport": {
"applicant": {
"summary": {
"notices": {
"hasNOC": true,
"totalDisputesCount": 0
},
"searches": {
"lastThreeMonthsTotalSearchesCount": 2,
"lastTwelveMonthsTotalSearchesCount": 2
},
"addresses": [
{
"fullAddress": "15 DESERT RETREAT, TEST TOWN X9 9BD"
},
{
"fullAddress": "15 DESERT RETREAT, TEST TOWN X9 9BD"
}
],
"judgments": {
"totalActiveCount": 0
},
"bais": {
"hasInsolvency": false
},
"links": {
"totalUndeclaredAliasLinksCount": 0,
"totalUndeclaredAssociateLinksCount": 0,
"totalUndeclaredAddressesSearchedCount": 0,
"totalUndeclaredAddressesUnsearchedCount": 0
}
},
"addressConfirmations": [
{
"address": {
"fullAddress": "15 DESERT RETREAT, TEST TOWN X9 9BD",
"isCurrent": true
},
"residents": [
{
"electoralRollValidID": 1,
"matchType": "IM",
"electoralRollHistory": [
{
"startDate": "2024-03-18",
"endDate": null,
"isOptOut": false,
"isRollingElectoralRoll": false
},
{
"startDate": "2022-03-21",
"endDate": "2024-03-18",
"isOptOut": true,
"isRollingElectoralRoll": false
}
]
}
]
}
]
}
},
"searchID": "625322A8-C11A-4959-B432-95B23C8F5B43",
"picklist": {
"applicant": {
"addresses": [
{
"fullMatches": {
"fullMatch": [
{
"names": [
{
"nameMatches": {
"reportType": "3",
"nameMatch": [
{
"familyName": "GREBE",
"birthDate": "1974-06-02",
"namePrefix": "MRS",
"givenName": "GRACIE"
}
]
}
}
],
"addressMatch": {
"postTown": "TEST TOWN",
"countryISOAlpha2Code": "GB",
"streetName": [
"DESERT RETREAT"
],
"postalCode": "X9 9BD",
"buildingNumber": "15"
}
}
]
}
}
]
}
}
},
"status": "Match obtained"
}
],
"organization": {
"blendedFailureScore": {
"percentileScore": 65,
"probabilityOfFailure": 0.36,
"rawScore": 1456,
"riskIndicator": 2,
"scoreCard": {
"description": "A scorecard defined by the Global Analytics team, which is used to calculate the likelihood that a company will obtain legal relief from its creditors or cease operations without paying all creditors in full, when the business files Balance Sheet and Profit & Loss accounts andthe requestor is a D&B Client that is not a TransUnion Share Member.",
"dnbCode": 42439
},
"scoreCommentary": [
{
"description": "There have been no insolvency events associated to this company",
"dnbCode": 34144
},
{
"description": "The net worth of the Domestic Ultimate Parent is strong",
"dnbCode": 34201
},
{
"description": "None of the principals of this business have associations with other businesses that have been subject to insolvency events",
"dnbCode": 36641
},
{
"description": "The financial statement has been filed on time",
"dnbCode": 41269
},
{
"description": "There are no mortgages or debentures associated with this company",
"dnbCode": 34177
},
{
"description": "There are credit searches registered against the director",
"dnbCode": 42377
},
{
"description": "The gross profit margin is weak",
"dnbCode": 34160
},
{
"description": "The total liabilites to assets ratio is high",
"dnbCode": 42388
}
]
},
"countryISOAlpha2Code": "GB",
"duns": "221468423",
"primaryName": "CALEDONIA MINING CORPORATION PLC"
}
}
D&B Blended Score Share
{
"transactionDetail": {
"transactionID": "rrt-0162cf1552a826c4b-d-ea-17391-91129909-3",
"customerTransactionID": "customerTransactionID",
"transactionTimestamp": "2023-07-06T09:07:03.063Z"
},
"inquiryDetail": {
"customerReference": "Reference",
"organization": {
"duns": "214567885"
},
"individuals": [
{
"sequence": 1,
"birthDate": "1950-01-31",
"namePrefix": "MR",
"givenName": "JOHN",
"middleName": "H",
"familyName": "SMITH",
"nameSuffix": "JR",
"addresses": [{
"addressCountry": {
"isoAlpha2Code": "GB"
},
"addressLocality": {
"name": "Alpha Town"
},
"addressCounty": {
"name": "Morris County"
},
"postalCode": "X9 9XX",
"streetAddress": {
"abodeNumber": "A2",
"buildingNumber": "8",
"buildingName": "The Edge",
"streetName": "Honey Loop Drive"
}
}]
}
],
"searchReason": "BS"
},
"individuals": [
{
"sequence": 1,
"consumerRiskReport": {
"creditReport": {
"applicant": {
"summary": {
"notices": {
"hasNOC": true,
"totalDisputesCount": 0
},
"searches": {
"lastThreeMonthsTotalSearchesCount": 1,
"lastTwelveMonthsTotalSearchesCount": 1
},
"indebt": {
"activeBalanceAmount": 158506,
"revolvingCreditTotalLimitAmount": 15000,
"mortgagesBalanceAmount": 121000,
"loansBalanceAmount": 22498,
"revolvingCreditBalanceAmount": 14542,
"revolvingCreditBalanceToLimitRatio": 96
},
"addresses": [
{
"fullAddress": "8 Honey Loop Drive, ALPHA TOWN X9 9XX"
}
],
"judgments": {
"totalActiveCount": 0
},
"bais": {
"hasInsolvency": false
},
"links": {
"totalUndeclaredAliasLinksCount": 0
},
"share": {
"lastThirtySixMonthsTotalDefaultCount": 0,
"totalSettledAccountsCount": 0,
"lastSixMonthsTotalOpenedAccountsCount": 0,
"lastTwelveMonthsWorstPaymentStatus": "3",
"totalActiveAccountsCount": 5,
"totalAccountsCount": 5,
"lastTwelveMonthsTotalDelinquentCount": 0,
"lastTwelveMonthsTotalDefaultCount": 0,
"lastThirtySixMonthsWorstPaymentStatus": "3"
}
},
"addressConfirmations": [
{
"address": {
"fullAddress": "8 Honey Loop Drive, ALPHA TOWN X9 9XX",
"isCurrent": true
},
"residents": [
{
"electoralRollValidID": 1,
"matchType": "IM",
"electoralRollHistory": [
{
"startDate": "2022-08-06",
"endDate": null,
"isOptOut": false,
"isRollingElectoralRoll": false
},
{
"startDate": "2021-08-06",
"endDate": "2022-08-06",
"isOptOut": true,
"isRollingElectoralRoll": false
}
]
}
]
}
]
}
},
"searchID": "08775EC2-7F8A-4679-AD8F-3CA4944F17EF",
"picklist": {
"applicant": {
"addresses": [
{
"fullMatches": {
"fullMatch": [
{
"names": [
{
"nameMatches": {
"reportType": "3",
"nameMatch": [
{
"familyName": "SMITH",
"birthDate": "1950-01-31",
"namePrefix": "MR",
"givenName": "JOHN"
}
]
}
}
],
"addressMatch": {
"postTown": "ALPHA TOWN",
"countryISOAlpha2Code": "GB",
"streetName": [
"Honey Loop Drive"
],
"postalCode": "X9 9XX",
"buildingNumber": "8"
}
}
]
}
}
]
}
}
},
"status": "Match obtained"
}
],
"organization": {
"blendedFailureScore": {
"percentileScore": 6,
"probabilityOfFailure": 8.57,
"rawScore": 1263,
"riskIndicator": 4,
"scoreCard": {
"description": "A scorecard defined by the Global Analytics team, which is used to calculate the likelihood that a company will obtain legal relief from its creditors or cease operations without paying all creditors in full, when the business is a corporate, has no financial data. This is for D&B clients that are Trans Union Share Members.",
"dnbCode": 42433
},
"scoreCommentary": [
{
"description": "The Director has accounts in arrears",
"dnbCode": 42392
},
{
"description": "The Director had high utilisation on their accounts in the last 12 months",
"dnbCode": 42395
},
{
"description": "The Director had arrears on their mortgage account in the last 12 months",
"dnbCode": 42393
},
{
"description": "The first set of financial accounts is overdue",
"dnbCode": 42408
},
{
"description": "There are trade payment experiences that are paid over 30 days in the last 12 months",
"dnbCode": 40972
},
{
"description": "The Director had very high credit card balance in the last 24 months",
"dnbCode": 42394
},
{
"description": "This business belongs to an industry associated with a high risk of failure",
"dnbCode": 19807
}
]
},
"countryISOAlpha2Code": "GB",
"duns": "214567885",
"primaryName": "D & B SAMPLE CO LTD"
}
}