Mar 30, 2025

Paydex Scores & Credit Card Stacking: What Entrepreneurs Should Know

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If you’ve ever researched business credit, you’ve likely come across something called the Paydex score. Managed by Dun & Bradstreet, this number plays a huge role in your company’s creditworthiness—and can influence how vendors, lenders, and banks view your business.

So how does the Paydex score relate to credit card stacking? And can stacking damage (or improve) your business credit score?

In this article, we’ll unpack everything you need to know about Paydex scores, how they work, and why Funding Accelerator’s 0% stacking strategy won’t harm your business credit.

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What Is a Paydex Score?

The Paydex score is Dun & Bradstreet’s proprietary business credit score. It ranges from 0 to 100, and unlike personal credit scores that factor in multiple metrics, Paydex is almost entirely based on payment history.

Here’s how it works:

• 80 or above = early or on-time payments
• 70–79 = some payments slightly late
• Below 70 = consistently late or missed payments

A Paydex score of 80+ is considered excellent, and many vendors, leasing companies, and banks prefer to work with businesses in this range.

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How Do You Build a Paydex Score?

You can’t build a Paydex score unless:

1. Your business is registered with Dun & Bradstreet
2. You have at least 3 vendor accounts reporting payment activity
3. You’ve had recent payment history that D&B can evaluate

Typical vendors that report include:

• Uline
• Grainger
• Quill
• Summa Office Supplies
• Crown Office Supplies

Most credit cards (especially business credit cards) do not report to Dun & Bradstreet. They report to other business credit bureaus like Experian Business or Equifax Business—but not D&B.

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Will Credit Card Stacking Impact My Paydex Score?

In almost all cases: No.

Here’s why:

• Business credit cards used in stacking do not report to Dun & Bradstreet
• Paydex only tracks vendor accounts (Net-30, Net-60) that have invoice terms
• Even if you default on a stacked credit card, it impacts your Experian/Equifax business score or personal credit—not Paydex

That said, if you combine stacking with vendor accounts, you can build business credit across multiple bureaus simultaneously—which is a powerful long-term play.

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Why You Still Need to Watch Your Business Credit Profile

While stacking doesn’t impact Paydex, it can influence your:

• Experian Business Intelliscore
• Equifax Business Credit Score
• Bank compliance checks
• Loan and financing options

This is why stacking should always be paired with on-time payments and smart utilization. Your Funding Accelerator advisor will help you manage that from day one.

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Funding Accelerator’s 0% Stacking Strategy: Paydex-Safe

At Funding Accelerator, we’ve engineered our 0% APR stacking program to maximize approvals and preserve your business credit profile. Here’s how:

• We use cards that don’t report to D&B
• We spread utilization to avoid high balances on a single account
• We monitor key dates so no payments are missed
• We help you build vendor tradelines separately to boost your Paydex score

If you want to grow your business while protecting your business credit, we’ve got the blueprint.

Click here to apply and book a time to speak with one of our funding specialists.

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