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Business to Business Multi-Bureau Credit Report

Single-source Business Credit Reports are made up of accounts receivable data that has been contributed by companies, public record data and scores generated from the combination of this data. Since most companies that contribute accounts receivable data only send it to one provider (D&B, Experian or Equifax), using one report may only provide a piece of the payment habit story.

• D&B - PAYDEX® Score
  • D&B's unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors.
  • The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance

 

• EXPERIAN - Intelliscore Plus
  • Provides a score from 1 -100.
    • 1 indicates high risk;
    • 100 indicates low risk.
  • Intelliscore Plus also has two exclusion scores
    • 998 displays when there is a bankruptcy within the past two years.
    • 999 displays when there is not enough information to score a business.

 

• EQUIFAX - Business Credit Risk Score for Suppliers
  • Designed to assist credit grantors in improving risk assessment throughout a business’s account life cycle, reducing delinquency rates and improving profitability. The rating predicts the likelihood of a business incurring greater than 90 days’ severe delinquency or bankruptcy, within a 12-month period.
  • Score range is 101 – 660
    • Lower scores indicate higher risk.
    • 0 indicates a bankruptcy on file and manual review is recommended.
    • Up to four reason codes may be returned indicating the top factors influencing the score.

The user can choose which of the credit reporting agencies will be used on a case by case basis; from one to all three.