they verify your account and create the scores as people report.
But you have to actually call the creditors and give them the D&B number and ask them to report.
The next step up is for like $700 and you can physically add 6 accounts of your choice and D&B will contact them to get ALL history of accounts and create a score.
I didn't feel I needed that though because all the accounts I want to report already would if I just gave them the number, and in fact most of them report monthly. So as soon as I call them all and update the account records to show D&B they will report and then D&B will compile a "verified" score which is what Ford said they needed and I think what HDMC wants.