Business Credit Score Checker
Provides a free business credit summary including PAYDEX score and risk ratings
How long your business has been operating
Total annual revenue before expenses
Full-time equivalent employees
Late payments in the past 12 months
Any outstanding liens or legal judgments
Estimated Dun & Bradstreet PAYDEX score range (0-100)
Overall credit risk assessment based on your inputs
Factors affecting your estimated score
Frequently Asked Questions
What is a PAYDEX score?
PAYDEX is Dun & Bradstreet's business credit score ranging from 0 to 100. A score of 80+ means you pay on time or early. Scores of 50-79 indicate payments 15-30 days late. Below 50 signals significant payment problems. Unlike personal credit, PAYDEX is based solely on payment history with trade references.
How do I build business credit?
Register your business as a separate legal entity, get an EIN, open a business bank account, and register with Dun & Bradstreet for a D-U-N-S number. Open trade accounts with suppliers who report to business credit bureaus. Pay all bills early or on time to build a strong PAYDEX score.
Is business credit separate from personal credit?
Yes, but they can overlap. Business credit is tied to your EIN and company, not your SSN. However, many lenders check both. Personal guarantees on business loans affect personal credit. Sole proprietors and single-member LLCs often have more overlap than corporations.
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