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The Most Important Factors in a Credit Score

There are two very important factors to building a good business credit score. New business owners can take steps to build a good score from day one.

Pay All Bills Early

7Business credit scores rely on a different computation algorithm than consumer credit scores. Both scores include factors that consider how timely payments are. In a business credit score, payments made before the due date will result in the best possible score, which is different than the impact that payments made in a timely manner will have on a consumer credit score. Knowing this can help business owners establish the best possible credit score.

Dun & Bradstreet has a variety of useful business tools. The D&B PAYDEX® score 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® ranges from 1 to 100, with higher scores indicating better payment performance.

This score measures the past, and is a snapshot in time that could change based on how a business performs in the future. A credit score above 80 will generally be considered a good credit score. The best scores, which will be between 81 and 100, are assigned to businesses that pay bills before the due date.

Build Trade References*

When calculating a business credit score, the credit reporting agencies weight your experiences as reported by vendors, who are also known as trade references, heavily. The way you pay vendors is a timely look at how well your small business is meeting its financial obligations. You may need to have at least four credit experiences reported by vendors before you earn a credit score.

Paying all bills early and establishing strong relationships with vendors are two of the most important steps to good credit for a business owner.

*Trade References will be added subject to D&B® verification and acceptance. Please see http://www. for eligibility, process and other information regarding Trade References.


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