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About the Payment Trends Profile

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

What is the Payment Trends Profile?

The Payment Trends Profile is a new value-added option available exclusively from the Business Information Report and the Comprehensive Report. It expands on the payment information available in the reports to help you better understand the payment patterns, history and trends of a particular business. Use it to help identify potential slow payers as well as to maximize new opportunities.

Key features of the Payment Trends Profile include:

  • Visual summaries: Designed for at-a-glance reading, the profile's charts and summaries help you more quickly assess payment habits of customers and prospects.
  • Historical PAYDEX trends: D&B's PAYDEX is an exclusive, dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on payment experiences reported to D&B. Get the historical view here, with up to 12 months of PAYDEX history reported and charted.
  • Industry payment benchmarks: See if this business's payment patterns are typical for this particular industry segment to help you establish appropriate credit lines. You get the current industry median, as well as the industry range (expressed as upper and lower quartiles), for the past 4 quarters.
  • Payment habits chart: View payment history by size of credit line, helping you compare to the amount of credit you plan to extend.

What does each section of the report contain?

The section-by-section overview below provides more details about the information included in the profile.

Summary

The summary recaps basic information about this business and calls out key payment-related information from the Business Information Report (BIR) as well as in the added payment context that makes up the rest of the payment profile. The goal of the summary is to put the business's payment habits in context, as well as highlighting critical areas you may wish to review further.

Elements in the summary are:

Basic identifying information:
Company name, address, DUNS number, industry classification.

Payment Activity:
This area highlights key payment details D&B has on file about this business. It includes:

Total Payment Experiences in D&B's file:
Summarizes the total number of individual payment experiences D&B has recorded for this business. Experiences are gathered by D&B from suppliers and vendors this firm does business with. Each experience reflects a different supplier. Up to 875 experiences of these are used to generate the PAYDEX (explained below) and up to 80 representative experiences are reported in the Business Information Report and Comprehensive Report for this business.

Payments within Terms (not dollar weighted):
The percentage of total payment experiences that are prompt or better, if dollar amounts are not considered. For a dollar-weighted view, which more accurately represents a company's payments based on how it pays obligations of varying dollar amounts, see the PAYDEX.

Total Placed for Collection:
The total number of payment experiences in D&B's file for this business that have been placed for collection.

Average Highest Credit:
The dollar amount of the average high credit of those payment experiences that have a high credit dollar amount reported.

Largest High Credit:
The dollar amount for the payment experience that has the largest high credit dollar amount reported.

Highest Now Owing:
The dollar amount of the Amount Owed for the payment experience that has the largest Now Owes dollar amount reported.

Highest Past Due:
The dollar amount of the Past Due for the payment experience that has the largest Past Due dollar amount reported.

Payment Trend:
This area provides a quick summary of where this business's PAYDEX is currently, how it compares to the industry median and what its current trends is, based on the past 3 months of payment activity.

PAYDEX Scores - This Business (Chart)

The PAYDEX is D&B's unique dollar-weighted numerical indicator of how a firm has paid its bills, based on up to 875 payment experiences reported to D&B by various vendors. The standard PAYDEX bases this calculation on up to 24 months of payment information. The 3-month PAYDEX, also provided in this chart, shows the recent trend based on the last 3 months of payment activity.

The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance.

PAYDEX Yearly Trend - This Business (Chart)

This chart illustrates up to 12  months of this business's standard PAYDEX scores. Use it to see the trend over time.

PAYDEX Score Comparison - Business to Primary Industry (Chart)

This chart compares this business's PAYDEX score to that of its primary industry. The industry PAYDEX is calculated quarterly using payments from businesses that share this same SIC (Standard Industrial Classification) code. Information is provided for the most recent 4 quarters, when available, and shows the industry upper quartile (payers in the top 25%), the median for this industry and the industry lower quartile (the lower 25%.) The business you are evaluating appears as a small white arrow, pointing to where it appears relative to its industry.

Business Payment Habit by Amount of Credit Extended (Chart)

This chart sorts all available payment experiences by dollar amount to give you a sense of how this business has handled obligations of different amounts. For each dollar-amount category, the chart provides the number of experiences used to calculate the percentage and the total dollar value of credit extended to this business in this dollar-amount breakdown.

How much does the Profile cost?

The Payment Trends Profile is free through 4/7 and then available through 4/28 at the introductory price of $10, when purchased with a Business Information Report or a Comprehensive Report.

How do I get more help?

Contact the D&B Customer Resource Center at 1.800.234.3867.