What is a Business Credit Score? D & B PAYDEX Credit Rating

So what makes up your Business Credit Score? Dun and Bradstreet is the biggest name in Business credit and where you should start your quest for outstanding business credit. There are two scores you need to know about for Business Credit one is called Paydex the other is a D&B credit rating.

PAYDEX Score

The PAYDEX Score is a unique, dollar-weighted indicator of past payment performance,
as reported to D&B.
PAYDEX Payment Practices
100 Anticipate
90 Discount
80 Prompt
70 15 Days Beyond Terms
60 22 Days Beyond Terms
50 30 Days Beyond Terms
40 60 Days Beyond Terms
30 90 Days Beyond Terms
20 120 Days Beyond Terms
1 — 19 Over 120 Days Beyond Terms
UN Unavailable

D&B Credit Rating
The D&B Credit Rating comprises two parts that indicate company size and
credit appraisal.
• Rating Classification indicates company size
• Composite Credit Appraisal indicates D&B’s overall assessment of credit
worthiness (based on analysis of payment history, financials, public
records, business age, and any other available information)

Sample D&B Credit Rating: 5A 1

Company Size Rating Classification
$50,000,000 and over 5A
$10,000,000 — $49,999,999 4A
$1,000,000 — $9,999,999 3A
$750,000 — $999,999 2A
$500,000 — $749,999 1A
$300,000 — $499,999 BA
$200,000 — $299,999 BB
$125,000 — $199,999 CB
$75,000 — $124,999 CC
$50,000 — $74,999 DC
$35,000 — $49,999 DD
$20,000 — $34,999 EE
$10,000 — $19,999 FF
$5,000 — $9,999 GG
Up to $4,999 HH
10 employees or more 1R*
1 — 9 employees 2R*

Composite Credit Appraisal Key
1 = High
2 = Good
3 = Fair
4 = Limited

Completely Free Credit Score
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identityforce
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MyFico
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