Corporate Credit 101


There are four major business credit bureaus for businesses. Dun & Bradstreet (DnB), Experian Business, Equifax Business and Business Credit USA. Each credit bureau has their own credit scoring model (like a FICO on personal). DnB and Experian Business are the two highest utilized bureaus. DnB uses the Paydex Scoring model. The highest score is 100. The ideal score is an 80 paydex (ie 700 FICO). 80 paydex score means that you pay our bills on time (prompt payor). 100 paydex score means you pay your bills ahead of time and that your creditors will report this to the DnB. Vitually no creditor will do this so and 80 paydex score is excellent. Stay tune as I will explain ratings for DnB and scoring system for Experian Business. Also request the Corporate Credit 101 from us at info@wallacecapitalfunding.com