Credit Score Summary : Business Definition

The Commercial Credit Score (CCS) predicts the likelihood of a business paying its bills in a severely delinquent manner (90 days or more past terms), obtaining legal relief from creditors or ceasing operations without paying all creditors in full over the next 12 months. D&B defines severe delinquency as a business with at least 25% of its payments slow and at least 10% of its payments 90 days or more past due, based on the information in D&B's commercial database.

The CCS 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.

What does it mean if a Commercial Credit Score is "Zero?"
Commercial Credit Scores are not calculated for those businesses designated as "Discontinued at This Location," "Open Bankruptcy" or "High Risk ". These records are automatically assigned a score of zero (0).