D&B Rating, PAYDEX®, and Score Tables - United States
D&B Rating Interpretation Table
D&B Score Interpretation Table
D&B PAYDEX Value Table
Financial Stress Score
Commercial Credit Score
Click here to view scores and ratings tables for businesses outside the United States.
The US 5A to HH ratings reflect company size based
on net worth or equity as computed by D&B. These ratings are assigned to
businesses that have supplied D&B with current financial information.
The 1R and 2R ratings
categories reflect company size based on the total number of employees for the
business. They are assigned to business files that do not contain a current
financial statement. For 5A to HH Ratings, the Composite Credit Appraisal is a
number between 1 and 4 that makes up the second half of the company's Rating
and reflects an overall assessment of creditworthiness. Our creditworthiness
assessment is based on both payments and financial stability. In 1R and 2R
Ratings, the 2, 3, or 4 creditworthiness indicator is based on analysis by
D&B of public filings, trade payments, business age and other important
factors. 2 is the highest Composite Credit Appraisal a company not supplying
D&B with current financial information can receive.
|
Financial Strength
|
Composite
Credit Appraisal
|
|
Rating
|
US$
|
High
|
Good
|
Fair
|
Limited
|
|
5A
|
50,000,000
and over
|
1
|
2
|
3
|
4
|
|
4A
|
10,000,000
to 49,999,999
|
1
|
2
|
3
|
4
|
|
3A
|
1,000,000
to 9,999,999
|
1
|
2
|
3
|
4
|
|
2A
|
750,000
to 999,999
|
1
|
2
|
3
|
4
|
|
1A
|
500,000
to 749,999
|
1
|
2
|
3
|
4
|
|
BA
|
300,000
to 499,999
|
1
|
2
|
3
|
4
|
|
BB
|
200,000
to 299,999
|
1
|
2
|
3
|
4
|
|
CB
|
125,000
to 199,999
|
1
|
2
|
3
|
4
|
|
CC
|
75,000
to 124,999
|
1
|
2
|
3
|
4
|
|
DC
|
50,000
to 74,999
|
1
|
2
|
3
|
4
|
|
DD
|
35,000
to 49,999
|
1
|
2
|
3
|
4
|
|
EE
|
20,000
to 34,999
|
1
|
2
|
3
|
4
|
|
FF
|
10,000
to 19,999
|
1
|
2
|
3
|
4
|
|
GG
|
5,000
to 9,999
|
1
|
2
|
3
|
4
|
|
HH
|
Up
to 4,999
|
1
|
2
|
3
|
4
|
|
|
|
Rating Classification
|
Composite
Credit Appraisal
|
|
Rating
|
Number of Employees
|
High
|
Good
|
Fair
|
Limited
|
|
1R
|
10
employees and over
|
|
2
|
3
|
4
|
|
2R
|
1
to 9
|
|
2
|
3
|
4
|
|
|
|
Alternative Ratings Used
|
|
INV
|
Indicates
that D&B is currently conducting an investigation to gather information
for a new report.
|
|
DS
|
Indicates
that the information available does not permit D&B to classify the
company within our rating key.
|
|
-- (blank)
|
The
blank symbol should not be interpreted as indicating that credit should be
denied. It simply means that the information available to D&B does not
permit us to classify the company within our rating key and that further
enquiry should be made before reaching a decision. Some reasons for using a
"-" symbol include: deficit net worth, bankruptcy proceedings, lack
of insufficient payment information, or incomplete history information.
|
|
ER
|
Certain
lines of business, primarily banks, insurance companies and government
entities do not lend themselves to classification under the D&B Rating
system. Instead, we assign these types of businesses an Employee range symbol
based on the number of people employed. No other significance should be
attached to this symbol. ERN should not be interpreted negatively. It simply
means we do not have information indicating how many people are employed at
this firm.
|
|
NQ
|
Not
Quoted. This is generally assigned when a business has been confirmed as no
longer active at the location, or when D & B is unable to confirm active
operations. It may also appear on some branch reports, when the branch is
located in the same city as the headquarters.
|
|
|
|
US Employee Range Designation
|
|
ER1
|
1000
or more employees
|
|
ER2
|
500
to 999 employees
|
|
ER3
|
100
to 499 employees
|
|
ER4
|
50
to 99 employees
|
|
ER5
|
20
to 49 employees
|
|
ER6
|
10
to 19 employees
|
|
ER7
|
5
to 9 employees
|
|
ER8
|
1
to 4 employees
|
|
ERN
|
Not
Available
|
|
|
|
D&B Score Interpretation Table
|
|
D&B PAYDEX Score
|
Payment Habit
|
|
100
|
Anticipate
|
|
90
|
Discount
|
|
80
|
Prompt
|
|
70
|
15
days beyond terms
|
|
60
|
22
days beyond terms
|
|
50
|
30
days beyond terms
|
|
40
|
60
days beyond terms
|
|
30
|
90
days beyond terms
|
|
20
|
120
days beyond terms
|
|
UN
|
Unavailable
|
|
PAYDEX Value Chart
|
|
PAYDEX
|
Average Days to Pay
|
|
100
|
30
days sooner than terms
|
|
99
|
29
days sooner than terms
|
|
98
|
28
days sooner than terms
|
|
97
|
27
days sooner than terms
|
|
96
|
26
days sooner than terms
|
|
95
|
25
days sooner than terms
|
|
94
|
24
days sooner than terms
|
|
93
|
23
days sooner than terms
|
|
92
|
22
days sooner than terms
|
|
91
|
21
days sooner than terms
|
|
90
|
20
days sooner than terms
|
|
89
|
18
days sooner than terms
|
|
88
|
16
days sooner than terms
|
|
87
|
14
days sooner than terms
|
|
86
|
12
days sooner than terms
|
|
85
|
10
days sooner than terms
|
|
84
|
8
days sooner than terms
|
|
83
|
6
days sooner than terms
|
|
82
|
4
days sooner than terms
|
|
81
|
2
days sooner than terms
|
|
80
|
ON
TERMS
|
|
79
|
2
days beyond terms
|
|
78
|
3
days beyond terms
|
|
77
|
5
days beyond terms
|
|
76
|
6
days beyond terms
|
|
75
|
8
days beyond terms
|
|
74
|
9
days beyond terms
|
|
73
|
11
days beyond terms
|
|
72
|
12
days beyond terms
|
|
71
|
14
days beyond terms
|
|
70
|
15
days beyond terms
|
|
69
|
16
days beyond terms
|
|
68
|
17
days beyond terms
|
|
67
|
18
days beyond terms
|
|
66
|
19
days beyond terms
|
|
65
|
19
days beyond terms
|
|
64
|
19
days beyond terms
|
|
63
|
20
days beyond terms
|
|
62
|
21
days beyond terms
|
|
61
|
22
days beyond terms
|
|
60
|
22
days beyond terms
|
|
59
|
23
days beyond terms
|
|
58
|
24
days beyond terms
|
|
57
|
25
days beyond terms
|
|
56
|
26
days beyond terms
|
|
55
|
26
days beyond terms
|
|
54
|
27
days beyond terms
|
|
53
|
28
days beyond terms
|
|
52
|
29
days beyond terms
|
|
51
|
29
days beyond terms
|
|
50
|
30
days beyond terms
|
|
49
|
33
days beyond terms
|
|
48
|
36
days beyond terms
|
|
47
|
39
days beyond terms
|
|
46
|
42
days beyond terms
|
|
45
|
45
days beyond terms
|
|
44
|
48
days beyond terms
|
|
43
|
51
days beyond terms
|
|
42
|
54
days beyond terms
|
|
41
|
57
days beyond terms
|
|
40
|
60
days beyond terms
|
|
39
|
63
days beyond terms
|
|
38
|
66
days beyond terms
|
|
37
|
69
days beyond terms
|
|
36
|
72
days beyond terms
|
|
35
|
75
days beyond terms
|
|
34
|
78
days beyond terms
|
|
33
|
81
days beyond terms
|
|
32
|
84
days beyond terms
|
|
31
|
87
days beyond terms
|
|
30
|
90
days beyond terms
|
|
29
|
93
days beyond terms
|
|
28
|
96
days beyond terms
|
|
27
|
99
days beyond terms
|
|
26
|
102
days beyond terms
|
|
25
|
105
days beyond terms
|
|
24
|
108
days beyond terms
|
|
23
|
111
days beyond terms
|
|
22
|
114
days beyond terms
|
|
21
|
117
days beyond terms
|
|
20
|
120
days beyond terms
|
|
1 to 19
|
Over
120 days beyond terms
|
The US Financial Stress Score predicts the
likelihood of business failure over the next twelve months. Scores are
calculated using statistically valid models derived from D&B's extensive
data files.
|
Financial Stress Score
|
|
Financial Stress Class
|
Financial Stress Score Range
|
Percentile Score Range
|
Failure Rate
|
|
1
|
1316-1875
|
21-100
|
1.2%
|
|
2
|
1288-1315
|
11-20
|
4.9%
|
|
3
|
1255-1287
|
5-10
|
8.0%
|
|
4
|
1216-1254
|
2-4
|
14.1%
|
|
5
|
1001-1215
|
1
|
23.0%
|
"0" class denotes open bankruptcy, out of business at the location or
higher risk situations.
The Failure Rate is the average for all firms in
the United States that discontinued operations with loss to
creditors, based on the information in D&B's database. The average failure rate is 2.6%. This is based on businesses in D&B's database and is provided for comparative purposes. All
Financial Stress Class, Percentile, Score and Incidence statistics are based on
2004 data.
The US Commercial Credit Score predicts the likelihood of a firm paying in a
delinquent manner (90 + days past terms) during the next 12 months, based on
the information in D&B's database. Scores are calculated using
statistically valid models derived from D&B's extensive data files.
|
Commercial Credit Score
|
|
Commercial Credit Score
|
Credit Score Percentile
|
Credit Score Class
|
Delinquency Rate
|
|
542-670
|
91-100
|
1
|
2.0%
|
|
501-541
|
71-90
|
2
|
4.6%
|
|
393-500
|
31-70
|
3
|
14.3%
|
|
366-392
|
11-30
|
4
|
31.6%
|
|
101-365
|
1-10
|
5
|
61.9%
|
"0" class denotes
open bankruptcy, out of business at the location or higher risk situations.
The
Delinquency Rate shows the percentage of firms in a given percentile range that
paid in a delinquent manner (90 + days past terms) based on
the information in D&Bs database. The average delinquency rate
for all firms in the United States based on information in D&B's database
is 20.1% and is provided for comparative purposes. All Commercial Credit Class,
Percentile, Score and Average statistics are based on 2004 data.
|
