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What is the Credit Capacity Summary?

D&B Internet Access For U.S. Contract Customers

The Credit Capacity Summary provides an at-glance assessment of key factors that can affect a business's ability to pay you. This includes the D&B rating as well as average high credit and total highest credit reported to D&B by vendors.

The D&B Rating is D&B's proprietary indicator that quickly assesses a company's size and composite credit appraisal. For example, a company rated 3A3 has a worth of $1,000,000 - $9,999,999 based on an interim or fiscal balance sheet, and has a composite credit appraisal of 'Fair'.

The "5A" to "HH" Rating Classification reflect company size based on worth or equity as computed by D&B. Company size can be an effective indicator of credit capacity. These Ratings are assigned to businesses that have supplied D&B with a current financial statement.

The Composite Credit Appraisal is a number, one through four, that makes up the second half of the company's Rating and reflects D&B's overall assessment of that firm's credit worthiness. The Composite Credit Appraisal is based on D&B analysis of company payments, financial information, public records, business age and other important factors (when available).

A "2" is the highest Composite Credit Appraisal a company not supplying D&B with current financial information can receive.

The "1R" and "2R" Rating categories reflect company size based on the total number of employees for the business. They are assigned to company files that do not contain a current financial statement.

For complete information, click here for the Ratings Key.