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What is the D&B Commercial Credit Score and what does it mean?
D&B's Commercial Credit Score (CCS) is designed to predict the likelihood of a business paying its bills in a severely delinquent manner (91 days or more past terms). D&B defines severe delinquency as a business with at least 10% of its payments 91 days or more past due, 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 possibility of delinquency.
The CCS Commercial Credit Scores are calculated using statistical models derived from D&B's extensive database of U.S. businesses including Payment, Public Filing, Demographic, and Financial information when available. The Scoring System segments the universe of businesses into five distinct Risk Classes where a one (1) represents businesses that have the lowest probability of severe delinquency, and five (5) represents businesses with the highest probability of severe delinquency. The Commercial Credit Score Percentile is a 1-100 ranking where a percentile of 1 has the highest probability of severe delinquency and a percentile of 100 has the lowest probability of severe delinquency.
A Commercial Credit Score is available on U.S.-based companies with the exception of businesses that fall into the following categories:
- Business Branch Locations. These inquiries will result in an automatic trade-up to a headquarter location.
- Business records that are missing or have an invalid address.
- Businesses that have been self-reported to D&B without an investigation. Such cases are added to the D&B database as DUNS Support records and will remain as such until a thorough investigation yields more substantial information.
- Businesses designated as "Business Deterioration" records within the last 90 days (showing signs of financial stress, such as existing or imminent business failure or operating difficulty as reviewed and confirmed by D&B analysts). These companies continue to operate and have not filed for bankruptcy. These businesses are not assigned a score.
The Delinquency Rate shows the percentage of firms in a given percentile range that paid in a delinquent manner (91 + days past terms) based on the information in D&B�s database. The average delinquency rate for all firms in the United States based on information in D&B's database is 10.2% and is provided for comparative purposes.
Commercial Credit Score |
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Commercial Credit Score |
Credit Score Percentile |
Credit Score Class |
Delinquency Rate |
580-670 |
91-100 |
1 |
1.1% |
530-579 |
71-90 |
2 |
2.5% |
481-529 |
31-70 |
3 |
5.8% |
453-480 |
11-30 |
4 |
9.4% |
101-452 |
1-10 |
5 |
53.1% |
"0" class denotes open bankruptcy, out of business at the location or higher risk situations.