Moody’s Analytics, Inc.

Moody's Analytics Pulse, which incorporates the former Cortera, provides comprehensive credit data and analytics on over 36 million North American businesses. The service is primarily used by finance, sales, and marketing professionals to assess the financial health and creditworthiness of their customers, suppliers, and business partners. Moody's Analytics analyzes vast amounts of B2B transaction data, including purchasing behaviors and payment histories, to generate risk scores and alerts on events like bankruptcies, liens, and significant changes in spending. This allows companies to monitor their accounts receivable portfolios and make more informed decisions about credit and sales. While the focus is on business entities, the database contains information that can be linked to individuals, particularly small business owners and sole proprietors. The exposure of business financial health and contact information could be exploited by malicious actors for sophisticated phishing schemes, targeted fraud, or other financial scams. To protect themselves, business owners should be mindful of the information they share publicly and regularly monitor their business credit profile. Individuals can also exercise their data rights by contacting the company regarding their privacy concerns.