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A Credit History Tells the Story of Business Success

A credit history tells potential lenders and others much more about a business than just how a company has paid its bills.

Credit Histories Provide Detailed Company Histories
Old BooksA business credit history will generally include details on the company’s history, including incorporation details obtained from filings made in the state where the company is headquartered. Other information included in this section will detail ownership information, and background information on management, which could include the educational and career history of the company principals.

Related companies, including identification of parent, affiliates, subsidiaries, and/or branches worldwide will also be noted in a complete credit history.

Another section of the credit history will include information on past and present legal activities that could impact a company’s financial stability, and operations. Public filings can include bankruptcies, lawsuits, liens, judgments, and Uniform Commercial Code (UCC) statements, which contain details on assets pledged as collateral in secured financing agreements.

Public record information is collected from multiple sources in all fifty states, and the District of Columbia. In addition, credit reporting agencies may cover all federal bankruptcy courts, and track nearly all business-related failures filed in the U.S.

Credit Histories Expand With a Business

Dun & Bradstreet is a business credit reporting agency that offers a large variety of useful business tools. The D&B PAYDEX® is a dollar-weighted indicator of a business’s payment performance, based on the total number of payment experiences in D&B’s file. The PAYDEX® score ranges from 1 to 100, with higher scores indicating better payment performance. This measures the past, and is a snapshot in time that could change, based on how a business does in the future.

Your PAYDEX® score reflects past payment history, and payment trends. Payment experiences are gathered by D&B from suppliers, and other vendors with whom a firm does business. Each experience reflects a different supplier, and demonstrates how bills are met,relative 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. As your business grows, the number of credit experiences will grow, and your credit history will reflect that growth.

Photo Credit: Tom 7, Flickr. 


Michael Carr is a small business expert who has been involved in the successful development of three small businesses.