You know how your personal credit score is determined, but what about your business credit score? NCH can answer this question and provide you with the tools needed to build A+ business credit.

Business Credit Agencies

There are two business credit reporting agencies in the United States that lenders and financial institutions rely on for information to grant credit, Dun & Bradstreet and Experian.

Dunn & Bradstreet (D&B)

Dun & Bradstreet
  • More than 70 million businesses are registered with D&B
  • Uses info provided by business owners and vendors and grants a PAYDEX score based on the payment history
  • Issues a DUNS rating based on the financial statements of the business
  • Has a High-Risk status for companies that will destroy a company's ability to obtain credit


  • More than 14 million businesses are registered with Experian
  • The credit profile created by Experian uses info provided by vendors only
  • Experian grants an Intelliscore based on payment history
  • Experian is one of the three largest personal credit bureaus

Business Credit Scores

Business credit scores with D&B and Experian are where financial institutions look to determine credit:


  • Scores range from 0 to 100
  • 75+ score is good
  • Based on payment experiences reported by vendors
  • Need 5 trade references who report to D&B


  • Scores range from 0 to 100
  • 75+ score is good
  • Based on payment experiences reported by vendors
  • Need 2 trade references who report to Experian

DUNS Rating

  • Various rating schedules
  • Based on employee size and financial statements
  • Also takes payment history into account
  • Based on payment experiences reported by vendors

Business Credit Reports

The following criteria are used by lenders when determining credit approval, limits, and interest rates:

  • On-time bill payment history
  • D&B DUNS rating
  • D&B PAYDEX score
  • Public records information
  • Years in business
  • Business tax returns
  • Type of business
  • Number of employees

  • Location of business
  • Business plan
  • Trade references
  • Banking references
  • Accounts receivable aging reports
  • Owner/officer credit score (can be overlooked depending on which lender is being used)
  • Loan package – A formal presentation of everything above to present to the lender

What credit report lenders look for vary from lender to lender. Listed below are the most common reports used to determine credit. Keep in mind that these are only a guide and are not set in stone. Requirements change based on the amount of funding a lender has available at the time.

D&B Business Information Report – Contains:

  • D&B PAYDEX Score: Scale of 0-100 – should be 75+ to be in the low to medium risk of default
  • D&B DUNS Rating: Varies based on financial statements and size (an ER, 1R or 2R rating only indicates employee size and does not indicate financial rating)
  • Payment experiences for business
  • Public information records

Experian Business Owner Report - Contains:

  • Experian Intelliscore: Scale of 0-100 – a score of 75+ will put your business in a low to medium risk of default
  • Experian FICO: FICO scores range from 300 to 850. You want a score of 630+ to better your chances of approval

Equifax, Experian, Trans Union Personal Credit Reports

  • All the above are personal credit reporting agencies
  • All issue a FICO or Beacon score

NCH can provide you with a complete profile of all your credit scores, including a composite score analyzing several criteria that a lender will look at. We can also help you build and improve your personal credit scores.

For more information on building business credit, please call 1-800-508-1729 to speak with a business credit expert at NCH.

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