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PAYDEX®

 

What is the PAYDEX?

The D&B PAYDEX is a unique, dollar weighted indicator of a business' payment performance based on the total number of payment experiences in D&B's file. The D&B PAYDEX ranges from 1 to 100, with higher scores indicating better payment performance.

Payment experiences are gathered by D&B from suppliers and vendors this firm does business with. Each experience reflects a different supplier and reflects how bills are met within relation to the terms granted. Up to 875 payment experiences are used to generate the PAYDEX Score and up to 80 representative payment experiences are reported in your credit report.

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How do I interpret my PAYDEX?

Use this key to help you interpret the D&B PAYDEX:

 

 
Risk Interpretation
 
80-100 LOW risk of late payment
(averages prompt to 30 days within terms)
 
50-79 MEDIUM risk of late payment
(averages 30 or less beyond terms)
 
0-49 HIGH risk of late payment
(averages 30 to 120 days beyond terms)

PAYDEX Value Chart

PAYDEX Value Chart

PAYDEXAverage Days to PayPAYDEXAverage Days to Pay
100 30 days sooner than terms 59 23 days beyond terms
99 29 days sooner than terms 58 24 days beyond terms
98 28 days sooner than terms 57 25 days beyond terms
97 27 days sooner than terms 56 26 days beyond terms
96 26 days sooner than terms 55 26 days beyond terms
95 25 days sooner than terms 54 27 days beyond terms
94 24 days sooner than terms 53 28 days beyond terms
93 23 days sooner than terms 52 29 days beyond terms
92 22 days sooner than terms 51 29 days beyond terms
91 21 days sooner than terms 50 30 days beyond terms
90 20 days sooner than terms 49 33 days beyond terms
89 18 days sooner than terms 48 36 days beyond terms
88 16 days sooner than terms 47 39 days beyond terms
87 14 days sooner than terms 46 42 days beyond terms
86 12 days sooner than terms 45 45 days beyond terms
85 10 days sooner than terms 44 48 days beyond terms
84 8 days sooner than terms 43 51 days beyond terms
83 6 days sooner than terms 42 54 days beyond terms
82 4 days sooner than terms 41 57 days beyond terms
81 2 days sooner than terms 40 60 days beyond terms
80 ON TERMS 39 63 days beyond terms
79 2 days beyond terms 38 66 days beyond terms
78 3 days beyond terms 37 69 days beyond terms
77 5 days beyond terms 36 72 days beyond terms
76 6 days beyond terms 35 75 days beyond terms
75 8 days beyond terms 34 78 days beyond terms
74 9 days beyond terms 33 81 days beyond terms
73 11 days beyond terms 32 84 days beyond terms
72 12 days beyond terms 31 87 days beyond terms
71 14 days beyond terms 30 90 days beyond terms
70 15 days beyond terms 29 93 days beyond terms
69 16 days beyond terms 28 96 days beyond terms
68 17 days beyond terms 27 99 days beyond terms
67 18 days beyond terms 26 102 days beyond terms
66 19 days beyond terms 25 105 days beyond terms
65 19 days beyond terms 24 108 days beyond terms
64 19 days beyond terms 23 111 days beyond terms
63 20 days beyond terms 22 114 days beyond terms
62 21 days beyond terms 21 117 days beyond terms
61 22 days beyond terms 20 120 days beyond terms
60 22 days beyond terms 1 to 19 Over 120 days beyond terms


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How many payment experiences are required to establish a PAYDEX?

D&B requires at least 4 of your payment experiences on file in order to create a PAYDEX for your business. Learn more about how you can influence your PAYDEX.

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What are Risk Categories?

Risk categories were created to make it easier to translate a PAYDEX score into understandable risk groups:

PAYDEX 80-100: Low risk of late payment
PAYDEX 50-79: Moderate risk of late payment
PAYDEX 0-49: High risk of late payment


Based on changes to your PAYDEX, D&B takes a proactive approach to notify you when a change in your score is bringing you closer to a different risk category.

As an example, if your PAYDEX declined from 60 to 55, you would receive a message within your alert that you are approaching a High risk category (PAYDEX 0- 49). That is, another significant decline in PAYDEX (from 55 to 50) would already categorize you as higher risk of late payment.

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What influences my PAYDEX?

Your PAYDEX reflects past payment history and payment trends. Payment experiences are gathered by D&B from suppliers and vendors this firm does business with. Each experience reflects a different supplier and reflects how bills are met within relation to the terms granted. Up to 875 payment experiences are used to generate the PAYDEX and up to 80 representative payment experiences are reported in your credit report.

To see your payment experiences that D&B has on file, please refer to the "Payment History & Trends" section of your D&B Self Monitor report.


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Who uses PAYDEX and for what purposes?

Suppliers, banks, lessors, landlords, and customers all use the PAYDEX for various reasons including:
  • Determining whether to accept a sale, set terms or reject an account
  • Assessing whether you pay delinquently or not at all
  • Deciding if your account should be forwarded for 3rd party collection
  • Determining interest rates and insurance premiums
  • Considering you as a stable supplier

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How can I improve my PAYDEX?

You can improve your PAYDEX by addressing those areas of your business that most influence the score. Here are some steps you can take:
  1. Review your D&B report and make sure it is complete and up to date with the most current and accurate information:
    • If you have questions about the payment experiences in your report, please call us at 1-800-234-DUNS (3867).
  2. Make every effort to pay your bills on time - your payment behavior is the sole factor influencing your PAYDEX.
  3. Add additional payment experiences to your D&B credit file - to learn how, please call a D&B Customer Service representative at 1-800-234-DUNS (3867).

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