Building PAYDEX to 80+

The fastest path to business credit

Once your business infrastructure is set, build a PAYDEX of 80 or higher. That's the threshold lenders and vendors want before extending credit.

PAYDEX builds through Net-30 vendor accounts. Buy now, pay in 30 days. On-time or early payments report to D&B, your score builds.

Three to five vendor accounts paid early for a few months gets you to 80+.

Key points

• Open 3 to 5 Net-30 vendor accounts. Office supplies, shipping supplies, industrial supplies. Even small orders build reporting history.
• Pay early, not just on time. PAYDEX rewards early payments. 10 to 20 days before the due date keeps you at 90+ instead of stuck at 80.
• Expect 60 to 90 days for a score. Need at least 2 to 3 tradelines with 3 trade experiences each before D&B generates your initial PAYDEX.
• Verify vendors report to D&B. Not every vendor does. Ask first: "Do you report payment history to Dun & Bradstreet?" If no, find another vendor.

The PAYDEX threshold

80 means on time. 90 to 100 means early. Lenders offer dramatically better terms above 90. The gap between 80 and 90 is worth thousands in saved interest.