What is a PayNet Score? - PayNet MasterScore: This is one of the core scores and predicts the likelihood that a business will become 90+ days delinquent on a financial obligation within the next 12 months. - Score Range: Typically ranges from 1 to 100. Higher scores = lower credit risk. - Data Sources: Based on real-time leasing and loan payment history, especially from smaller lenders and equipment finance companies. A PayNet Score (now part of Equifax) is a credit score specifically designed to assess the creditworthiness of small and medium-sized businesses. It’s similar to a personal credit score, but for businesses, and is often used by lenders, equipment leasing companies, and other financial institutions to evaluate the risk of lending to a business. 🏢 Why is it important? - Used by banks and lenders to determine: - Also used by suppliers and leasing companies to determine whether to extend terms or credit. ✅ How to Check a PayNet Score Since PayNet is now owned by Equifax, the process is done through Equifax Business Services. Steps: 1. Visit Equifax’s Business Site: 2. Request a Business Credit Report: 3. Third-Party Providers: 4. Direct Contact: 🧾 What’s in a PayNet Report? - Credit accounts and balances - Payment history and delinquencies - Number and types of leases and loans - Public records (e.g., judgments, liens) - Industry comparison scores 📈 Tips to Improve Your PayNet Score: - Pay all loans and leases on time - Keep debt levels manageable - Monitor your business credit reports regularly - Dispute any incorrect data - Maintain strong relationships with lenders who report to PayNet

I say this one is the most underrated and best rent reporting app out of all of em. No landlord verification needed cause YOU will act as the landlord, no 🙅🏽 phone calls needed. Way more than 2 years of backdated history 🔥 1️⃣Download Credit sesame and enroll into Sesame+ to be able to report your rent 2️⃣Find a random house on Zillow or use your own or use a family members house , doesn’t matter. 3️⃣Create a new email for the name of the “Landlord” that for the property. (Make one up) 4️⃣Create a lease on formswift.com for the same address that you found and Landlord name should match the email you just created 💎💎On the lease MAKE SURE TO BACKDATE THE LEASE START DATE TO WHATEVER YOU WANT IT TO REPORT AS. I’m 26 so I backdated mine to 2016 so that 8 years backdated ! Just don’t backdate it too far back , anything before age 18 looks fishy on the profile. If your older than me I would say shoot for more years cause I don’t know what their max is 🤷🏽‍♂️ 5️⃣Once you have your the lease made, you’re going to upload it in the app and and fill out info for yourself and your “landlord”. 6️⃣It will ask you to sync your bank account , if you are currently paying rent every month you can use those payments when it tells you to select your payment for rent (whatever your rent is put that amount on your lease. If you don’t pay rent you can literally send money to someone you know or to a separate account that you own and select that as your rent payment . Their system does not know and will report it anyway and here’s why 👇🏽 7️⃣They are going to send an email to the “landlord” that you created an email for and ask “Did John Doe pay rent on time from x date to x date?” You are going to reply Yes and that’s it 🙌🏽🙌🏽🙌🏽 Backdated primary of several years . I like it better than rent reporters but doesn’t hurt to have both since they are both backdated 🤷🏽‍♂️ Pro - Primary Tradeline you can back date at least 8 years - Repors to Transunion & Equifax - Helps Increase average age of Credit Accounts - Credit Sesame + Will show all 3 of your Vantage Scores