PAYDEX Score Simulator

How this simulator works

Think of this simulator like a market chart — it shows a trajectory, not a guaranteed number.

Unlike our high-credit limit calculator — which shows the exact dollar figure your monthly plan reports, since BCC Supplies controls that number directly — a PAYDEX score is calculated entirely by Dun & Bradstreet using a proprietary formula. No third party can promise you an exact score or exact timeline.

What's publicly well-understood is the general pattern: PAYDEX measures how consistently a business pays its bills on time, and scores tend to stabilize as more months of consistent, on-time reporting accumulate on file. This simulator illustrates that general pattern — starting profile affects your baseline, and each additional month of consistent reporting nudges the illustrative trajectory upward, plateauing as it approaches the 80+ range widely considered the "gold standard."

• No file yet: no trade references reporting — D&B requires at least a few active trades before a score generates at all.
• Thin file: one or two trade references already reporting, giving the model a starting baseline.
• Some late payments: existing history includes late payments, which typically means new consistent on-time reporting needs more time to outweigh it.