PAYDEX is D&B's payment score for businesses. Here's what the numbers mean, which vendors report to D&B, and the fastest legitimate path from 0 to 80+.
PAYDEX is Dun & Bradstreet's business payment score. It runs from 0 to 100. Think of it like a personal credit score but specifically for how your business pays its bills.
Here's what the numbers mean:
A score of **80** means you paid exactly on time. A score of **100** means you paid early on every account. Paying 30 days early gets you to 100 faster than paying on the due date.
Your PAYDEX score won't generate until you have **at least 3 trade lines** reporting to D&B with payment history.
**Crown Office Supplies** — Office supplies. Easy approval, no personal credit check, reports to D&B. Minimum first order ~$30–50.
**Quill** — Office supplies and business essentials. Owned by Staples. Net-30 available, reports to D&B.
**Uline** — Shipping and packaging supplies. Known for approving new businesses. Reports to D&B.
**CEO Creative** — Business merchandise and promotional items. Known in the credit community for easy approvals.
**Newegg Business** — Electronics and tech. If you're buying tech anyway, make it count toward your credit file.
1. Apply to 3–5 vendors in the same month
2. Make a purchase on each account (buy something you actually need)
3. Pay **early** — before the 30 days is up
4. Repeat for 3–6 months
After 3 months of consistent early payments across 3+ trade lines, your PAYDEX should generate at 80+.
Business credit takes 6–12 months to build legitimately. Do it right and you'll have a credit profile that opens real doors.
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