Business Credit Scores and Ratings

Changes to a Business’s PAYDEX® Score

Has Your Business's PAYDEX® Score Recently Increased or Decreased?

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Were you recently notified of a change to your business’s PAYDEX Score? If so, you probably have questions about what this means and how it may affect your company.

The PAYDEX Score is a dollar-weighted indicator intended to reflect a business’s past payment performance. Companies receive a score between 1 and 100, where a higher number represents a greater likelihood that a business will pay its debts on time. This proprietary score is calculated based upon Trade References*, which are records of payment experiences submitted to Dun & Bradstreet by suppliers and vendors, subject to Dun & Bradstreet's verification process. These records can include overdue debts and bills that have been sent to collections, or on-time and early payments. Dun & Bradstreet can consider Trade References from up to 875 individual business partners when determining your PAYDEX Score.

If your PAYDEX Score has recently increased, data available to Dun & Bradstreet suggests that your business may be in a better position to pay its debts in a timely manner. If your PAYDEX score has decreased, it means your company may present a higher risk of delinquency or default for business partners.

If you’ve received notice that your PAYDEX Score has recently changed, the infographic below should help you understand the details of this important indicator.

How Can I Check My Business’s PAYDEX Score?

You can review your company’s PAYDEX Score, along with other business credit scores and ratings, by purchasing a business credit report. You may also want to take a look at your competitors’ scores and ratings in order to better understand their financial health.

Who Can Check My Business’s PAYDEX Score?

Anyone can purchase your business’s credit report. Customers, suppliers, lenders, and landlords may review your PAYDEX Score in order to help:

  • decide whether or not to do business with your company
  • set credit terms that more accurately reflect the level of financial risk your business represents
  • set insurance premiums
  • decide if they want to take you on as a tenant

What Can I Do to Help Impact My PAYDEX Score?

First, make sure to always repay your debts on time or ahead of schedule. Next, encourage suppliers and vendors to report their payment experiences to Dun & Bradstreet. Payment experiences that go unreported cannot be considered when Dun & Bradstreet determines your business’s credit scores and ratings.

Monitoring Your Business’s Credit Scores and Ratings

A business’s credit file is composed of many important scores and ratings. Many business owners want to understand how their companies are being presented to potential partners or existing clients. Dun & Bradstreet offers a suite of business credit products designed to help you impact and monitor your scores and ratings. D‑U‑N‑S® Manager allows you to verify and correct your business information for free. The CreditBuilder™ Plus product provides unlimited access to your company’s credit scores and ratings and makes it easy to submit Trade References to Dun & Bradstreet.*


*Trade References will be added subject to Dun & Bradstreet verification and acceptance. Dun & Bradstreet cannot guarantee that trade references will be accepted or that accepted trade references will impact your business credit file. Please see for eligibility, process and other information regarding Trade References.

What Is the Paydex Score infographic

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