What is a PAYDEX score and why does it matter?

PAYDEX is Dun & Bradstreet's business credit score ranging from 0 to 100. A score of 80 or above signals on-time payments and is typically required to access larger business credit lines without a personal guarantee.

Does building business credit affect my personal credit score?

When done correctly through the right vendors and accounts, business credit activity reports only to business credit bureaus — not to your personal credit report. This keeps your personal score protected while building a separate business financial identity.

What is a DUNS number and do I need one?

A DUNS number is a unique 9-digit identifier issued by Dun & Bradstreet that establishes your business's file with the D&B bureau. Without one, your business has no D&B profile and no PAYDEX score. It is free to obtain and takes approximately 30 days to process.

VOL. 2Kevinomics Vol. 2

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KEVINOMICS · VOL. 2

Your Business Has No
Financial Identity.
Lenders Know It.

Every loan you apply for runs through your personal credit — because your business doesn't have a credit profile of its own. That changes today.

...even if you've never heard of D&B, have no vendor accounts, or your business is brand new.

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KEVINOMICS — VOL. 2

The Business Credit System

Credit Identity Blueprint · Plain English · Actionable Today

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Get The Credit Identity Blueprint —
The Exact System I Used to Build a Business Credit Profile That Lenders Actually Respect.

✗ No sitting on hold with credit bureaus who don't speak your language.

✗ No expensive credit repair services taking your money for something you can do yourself.

✓ Just a clear, step-by-step system for building a real business credit identity — bureau by bureau.

YES! BUILD MY BUSINESS CREDIT IDENTITY →

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Because D&B, Experian Business, and Equifax Business are three completely separate bureaus from your personal credit — and they only report what you give them. Most business owners never set up a profile. This volume shows you exactly how to start one, fund it with vendor accounts, and build it to a PAYDEX score of 80+.

This will work for anyone who wants business capital without using their personal credit — even if your business is new, your personal credit isn't perfect, or you've never heard of PAYDEX before today.

“Every strategy in this volume is documented and legal — but bring it to your CPA. That conversation alone is worth the price.”

— Kevin L. Walker, Kevinomics

WHAT PEOPLE ARE SAYING

Real People. Real Results.

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Truly a great investment. A big help to have all of this information

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Volume 1 - Learn How to Actually Keep the Money You Make

Learn How to Actually Keep the Money You Make - Volume 1

WHAT'S INSIDE

Everything in Vol. 2

Plain English. No jargon. Actionable immediately.

The Three Business Credit Bureaus

D&B, Experian Business, and Equifax Business — what they track, how they differ, and why your business probably has no file with any of them right now.

How to Set Up Your D&B File

Your DUNS number is free and takes 30 days to process. Here's exactly how to register, what information to include, and how to avoid the mistakes that delay it.

The Vendor Tier System

Business credit is built in tiers. Tier 1 vendors report to bureaus with no personal guarantee required. Here's the exact list of starter vendors that report and how to use them.

PAYDEX Score 80+

PAYDEX is D&B's business credit score. 80+ means you pay on time. Here's how it's calculated, why it matters to lenders, and the fastest path to get there.

Business Credit Cards Without Personal Guarantee

Once you have a profile, certain cards no longer require your personal SSN. Here's which ones, what the requirements are, and when you qualify.

Separating Business and Personal Credit

Why mixing them costs you money, what lenders actually look at, and how to structure your business identity so your personal score becomes irrelevant for business decisions.

The 12-Month Business Credit Roadmap

Month-by-month actions: what to apply for, when, in what order, and what to avoid. Built for someone starting from zero.

How to Use Business Credit for Capital

Lines of credit, equipment financing, and business loans — how lenders evaluate your file and what score thresholds unlock what options.

“But Wait...”

“My business is new. Can I still build credit?”

Yes — and this is the best time to start. Building business credit from day one means you'll have a real profile by the time you need capital. Waiting until you need a loan to start building is the mistake most entrepreneurs make.

“I already have a business credit card. Isn't that enough?”

A single card with your personal guarantee is not a business credit profile. A real business credit profile means multiple tradelines reporting to D&B, Experian Business, and Equifax Business — independently of your personal credit. One card gets you nowhere near that.

“How is this different from just having good personal credit?”

Personal credit and business credit are tracked by completely different bureaus using completely different scoring models. A 780 personal score doesn't create a single entry on your D&B report. They are parallel systems. You need both.

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