School me up on DNB and business crediks

I applied for a Bus LOC recently and they pulled a DNB report. I've had a DUNS number for years so I gave it to them.

It turns out my info on file with DNB was so old the account was "inactive".

First thing first: the DNB website is the most whacked thing I've ever seen. I understand the complexities of integrating legacy data with modern web but ermagerd, interfacing with their site is the strangest experience ever.

That said, what kinda crazy system is Paydex? Apparently I submit my own trade refences? There's nothing automatically built from payments like with personal credit?

Like I can submit my 5 good suppliers and ignore the 384 that I screwed out of payment and I'd still have great business credit?

This system seems ripe for fraud.

I've got great personal credit and figured my business credit would be good. Turns out there literally nothing there and I've been in business since last century, lol.