You probably have a good idea about how your personal credit score is determined. But, how is your business credit score calculated? Is it the same as your personal credit score? Nevada Corporate Headquarters, Inc., can provide you with the tools to help you begin to build 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. The two credit agencies are Dunn & Bradstreet and Experian.

Dunn & Bradstreet (D&B)

Dun & Bradstreet
  • More than 70 million businesses are registered with D&B.
  • The credit profile created by D&B uses information provided by the business owners and vendors of the business. D&B grants a PAYDEX score to businesses based on payment experiences of the business.
  • D&B issues a DUNS rating based on the financial statements of the business.
  • D&B has a 'High-Risk' status for companies that will destroy a company's ability to obtain credit.

Experian Business

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

Business Credit Scores

The business credit scores with D&B and Experian are what the financial institutions look for in order to determine credit:


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


  • Score ranges 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 (payment experiences)
  • 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

The credit reports lenders look at vary from lender to lender. The reports listed below are the most common reports used to determine credit. The scores shown are only a guide and are not set in stone. Every lender varies their requirements based on the amount of funding they have available at any given 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 of the above are personal credit reporting agencies
  • All issue a FICO or Beacon score

Nevada Corporate Headquarters 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, and we can also help you build and improve your personal credit scores.

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


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