There are three major business credit bureaus, Dun & Bradstreet, Equifax and Experian, that provide business credit scores.
Dun & Bradstreet measures a company’s risk using a Paydex score, which ranges from 0 to 100, and mirrors a company’s payment data. Experian offers a CreditScore report, also ranging from 0 to 100, which includes a business credit score, payment trends, public records and account histories. Equifax assigns three different scores to a company. The first is a credit risk score, ranging from 100 to 992, which analyzes your company’s credit history.
The second is a “payment index,” ranging from 0 to 100, which determines the likelihood of your business becoming delinquent on payments. The third is a “business failure score,” ranging from 1,000 to 1,880, which assesses the risk of a company going bankrupt.
As you can see, all of these credit scores rely on the payment history a company has with its previous suppliers, creditors, and lenders. Therefore, having records of timely payments will help establish a good score.
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