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The Secret to the Best Business Credit Score

You can take some simple steps to improve your business credit score, while only time can heal a consumer’s score.

Pay Bills on Time

Paying on time seems like it should be the best way to get the highest credit score possible. That is important, but your credit score will actually be higher if you pay your bills early. Many businesses receive regular deliveries from suppliers and invoices that are due in thirty days.

Vendors often offer small discounts for early payment. Some companies feel that it is better to pay the bill on time rather than pay it immediately for a discount of one to three percent. However, by paying early they will increase their credit score.

The Dun & Bradstreet PAYDEX® score, a very popular credit score for small businesses, assigns the top scores to companies that pay bills before they are due. Companies that pay on time will receive an average score and companies that pay late will be penalized in the scoring system. Late payments could make it difficult to obtain credit, and a low PAYDEX® score could also hurt your chances of obtaining new suppliers, since suppliers often review business credit scores to establish terms.

Add References to Boost Your Score

Businesses generally use more credit as they grow and their credit scores reflect that. When you add credit accounts, your score should grow. Dun & Bradstreet will publish your PAYDEX® score when you have at least four credit references. Your payment history with up to 875 different vendors will be used to calculate the PAYDEX®, and the report will include as many as eighty payments to each vendor, which could cover almost seven years of monthly billing.

CreditBuilder™ from Dun & Bradstreet will allow you to monitor your credit history and add up to 4 credit references each quarter. Dun & Bradstreet representatives will contact each reference you supply to verify the credit history, and then add it your report.

The secret to the best possible business score is to pay bills early and add credit references to your history. These steps will help you earn additional credit and could even deliver more sales since potential customers will also often consider your score in their selection process.



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