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When registering for a Paydex score, make certain that the registration information matches with the Secretary of State in the state in which the company was filed.  For example, if your company was filed in Wyoming, and also filed in Florida, then make certain that both states report the same information as what you place on the registration.  That applies to all information, such as your name as Director, all officer positions, address of the company, etc.

Since there are many companies filed with similar names, DNB doesn't like inconsistent or confusing information.  Your first step to make certain all data reflecting your company is the same from the Secretary of State to the local business license.  You must receive mail at that address.  And the Director and officers must truly be involved in the day-to-day operations of the business.


     Dun and Bradstreet (DNB.com) grants a score to a business that represents how prompt payments are made to creditors.  Paydex defines this for business in terms of a number, such as a credit score.  0 is the lowest score and 100 is the highest.  By looking up the Paydex score, a supplier or vendor consider in establishing a trade line with any business.  A score of 75 is a reasonably good score.  So, there you have it, Paydex is a credit score for business.


There are certain attributes and issues involving a Paydex score that you should consider:

  • Creditors run a D&B Business Credit Report to check your Paydex score and history.  This is to confirm your business, you and what you're doing.  The D&B Business Credit Report is not used to approve the credit line.  It's used as means to confirm identity.

  • Paydex is calculated and monitored daily whereas your personal credit history is tracked monthly.  This means that if you pay a business line of credit a day late, this will negatively impact your Paydex score. 

  • A Paydex score of over 80 means that your business pays early.  This is a plus, but not necessary because no one requires a score of over 80.  Striving for a score of over 80 won't help your business.

  • A Paydex score of 80 means that your business pays everything on time and you're not one day late.

  • 75 is a good Paydex score.  Some lenders require at least a 70 Paydex score.   Anything less than 65 seldom results in any lines of credit.

  • Below is a table of payment behavior and a corresponding Paydex score:

    • Score: 100 =  Pay every business credit bill as anticipated.

    • Score:  90 =  Pay every business credit bill at discount

    • Score:  80 =  Pay every business credit bill on time, "prompt"

    • Score:  77 =  Pay every business credit bill 5 days late.

    • Score:  74 =  Pay every business credit bill 9 days late.

    • Score:  70 =  Pay every business credit bill 15 days late.

    • Any score below 70 is a "no-no"

    • As you see from the above, choose your score by choosing how you pay every business credit bill.  If you pay everything promptly, then you'll obtain a business credit score of 80.  Don't be late, even for one day.  The first few accounts establish this Paydex score.  Other will follow as you maintain this score of 80 by paying everything promptly.

  • You need to create a few Paydex scores.  So, let's pick a few vendors known for fast reporting.  This means you need to buy something from them over $50 to create the debt, and then pay it on time.  And don't be one day late!  The following vendors report your Paydex score immediately. When ordering, ask for a Net 30 account.  This means you must pay within 30 days.  A couple of cash orders may be necessary prior to them providing a Net 30 account.  If that's the case, then pay cash for the items, and then follow up on more orders and then request a Net 30 account.  This is what you need to prepare:

    • Ask for a Net 30 account (business account).

    • The business address and mailing address of your business.  Yes, that means that by the time you reached this point, your business address and phone number for the business was established.  The billing address of the phone service matches up with the business address.  And the business address matches up with the local business license, if any, and the information reflected with the Secretary of State.

    • Decide if the shipping address is the same as the billing address of the company.

    • Your name as contact for the company.

    • The items you're ordering.

    • If they say no, this means that a few cash orders are necessary before they consider a Net 30 account (pay within 30 days).

    • If approved, ask for the account number.  Keep a folder on your relationship with each vendor in paper or on your computer.

    • Provide identification if they require it.  This takes the form of a driver's license for yourself.  Forms of identification for a business may be a business card, a local business license, articles of incorporation, company check, or credit card with the name of the business.

    • Order at least $50 from each supplier so the transaction is reportable to Dun & Bradstreet.

    • If the sales person asks if you would like to pay by credit card, decline and then ask for a NET 30 account. Since they ask you how this will be paid, always ask for a NET 30 account.  When they say no, this means a few orders may be necessary (paying cash or credit card) prior to establishing the NET 30 account.

    • Once these accounts are established, continue to order from them so you can continue to build your Paydex score of 80 as you pay everything on time.  Remember, you can't be one day late!

    • Here are the providers:







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