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What scores does the Comprehensive Report contain?


The D&B Comprehensive Report is uniquely suited to help you assess not only a business's current state, but also its future outlook. The report includes two types of scores: Credit and Financial Stress. Both are based on D&B's exclusive predictive modeling analysis and take into account the full range of data D&B has available on a business, including past payment patterns, public filings and financial information.

What is the D&B Delinquency Predictor?


The Delinquency Predictor (previously the Credit Class Score) predicts the likelihood of a business paying its bills in a severely delinquent manner (91 days or more past terms), obtaining legal relief from creditors or ceasing operations without paying all creditors in full over the next 12 months. D&B defines a severely delinquent firm as a business with at least 10% of its dollars 91+ days slow. Dollars are weighted based on total balance of 91+ accounts compared to total balance owed, based on the information in D&B's commercial database. The score ranges from 101 to 670, where 101 represent the highest probability and 670 represent the lowest probability of delinquency.

What is a Delinquency Predictor Risk Class?


A Delinquency Predictor Risk Class of 1-5 is a segmentation of the scorable universe into five distinct groups where a one (1) represents businesses that have the lowest probability of delinquency, and five (5) represents businesses with the highest probability of delinquency. This Class enables a customer to quickly segment their new and existing accounts into various risk segments to determine appropriate marketing or credit policies. Note: Delinquency Predictors are not calculated for those businesses designated as Discontinued at This Location, Open Bankruptcy, or Higher Risk. These records are automatically assigned a score of zero (0).

What is a Delinquency Predictor Percentile?


The Delinquency Predictor Percentile is a 1-100 ranking where a percentile of 1 has the highest probability of delinquency and a percentile of 100 has the lowest probability of delinquency.

How is severe delinquency defined?


A severely delinquent firm is defined as a business with at least 10% of its weighted dollars 91+ days slow. Dollars are weighted based on total balance of 91+ accounts compared to total balance owed.

Commercial Credit Score Norms


Delinquency Predictor Norms represent the average score and percentile for all scorable companies with similar demographic characteristics. The Norms can be used to benchmark where this firm stands in relation to the norm for its peer group.

What does a Delinquency Predictor score of "Zero" mean?


Delinquency Predictors are not calculated for those businesses designated as "Discontinued at This Location," "Open Bankruptcy", "Higher Risk." These records are automatically assigned a score of zero (0).

What is the Financial Stress Score and what does it mean?


D&B's Financial Stress Score was designed to help you predict a business's potential for failure. It is designed to predict the likelihood that a company will obtain legal relief from creditors or cease operations without paying all creditors in full over the next 12 months. The score uses the full range of D&B information, including financials, comparative financial ratios, payment trends, public filings, demographic data and more.

D&B defines a financially stressed company as one that:

  • Ceased operations following assignment or bankruptcy
  • Ceased operations with loss to creditors
  • Voluntarily withdrew from business operation leaving unpaid obligations
  • Is in receivership, reorganization, or has made an arrangement for the benefit of creditors.

Voluntary discontinuance involving no loss to creditors is not defined as financially stressed.

Like the Delinquency Predictor, the risk information is classified in three ways, from the broadest (the class) to the most specific (the numerical score.) The classifications are:

1. A "Class" of 1 - 5, which is a segmentation of the scorable universe into five distinct risk groups where a one (1) represents businesses that have the lowest probability of financial stress, and a five (5) represents businesses with the highest probability of financial stress. This Class enables you to quickly segment new and existing accounts into risk groupings to determine appropriate marketing or credit policies.

2. A "Percentile" of 1 - 100, where a 1 represents businesses that have the highest probability of financial stress, and a 100 which represents businesses with the lowest probability of financial stress. This Percentile shows you where a company falls among businesses in the D&B information base, and is most effectively used to rank order a portfolio from highest to lowest risk of business failure.

3. A "Score" of 1,001 - 1,875, where a 1,001 represents businesses that have the highest probability of financial stress, and a 1,875 which represents businesses with the lowest probability of financial stress. This score provides a direct relationship between the score and the level of risk and enables more granular cutoffs typically used in a more automated decision-making process.

What does it mean if a stress score is "Zero?"


Financial Stress scores are not calculated for those businesses designated as "Discontinued at This Location," "Open Bankruptcy" or "Higher Risk ". These records are automatically assigned a score of zero (0).