Resource
How to Navigate Your PAYDEX Score
Has Your Business's PAYDEX Score Recently Changed?
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 Experiences, which are records of payment experiences submitted to Dun & Bradstreet by suppliers and vendors, subject to Dun & Bradstreet's review, verification, and approval process.* These records can include overdue debts and bills that have been sent to collections, or on-time and early payments.
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—potentially opening the door to more capital. If your PAYDEX score has decreased, it means your company may present a higher risk of delinquency or default for business partners.
If you received a notice that your PAYDEX Score has recently changed and you still have questions, scroll down to the infographic below.
Review your company’s PAYDEX Score, along with other business credit scores and ratings, by purchasing a credit monitoring solution. You can also look at your competitors’ scores and ratings in order to better understand their financial health.
Anyone can purchase another company's business’s credit report via a subscription to D&B Credit Intelligence. Customers, suppliers, lenders, and landlords review other companies' PAYDEX Scores to make decisions, such as:
Deciding whether or not to do business with your company.
Setting credit terms that more accurately reflect the level of financial risk your business represents.
Setting insurance premiums.
Deciding if they want to take you on as a tenant.
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.
Managing Your Business’s Credit Scores and Ratings
Your credit file is composed of many important scores and ratings and potential partners, creditors, and clients may use them to assess your financial reputation. Dun & Bradstreet offers a suite of business credit products designed to help you actively manage and potentially impact your scores and ratings. D‑U‑N‑S® Manager allows you to submit updates to your business information for review, verification, and possible acceptance for free.
*Trade References will be added subject to Dun & Bradstreet review, 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 What is a Trade Refrence for eligibility, process and other information regarding Trade References.
Explore Our Solutions & Products
Business Credit Solutions
