D&B's Commercial Credit Score (CCS) predicts the likelihood that a company will, over the next 12 months:
- Pay its bills in a severely delinquent manner (91 days or more past terms),
- Obtain legal relief from creditors, OR
- Cease operations without paying all creditors in full.
A severely delinquent firm is defined as a business with at least 25% of its payments slow and at least 10% of its payments 91 days or more past due.
This information is classified into a Commercial Credit Score (101-670), Commercial Credit Score Class (1-5), and Commercial Credit Score Percentile (1-100).
- Score - The score represents the probability of delinquency for a company. Scores range from 101 to 670, where 101 represents the highest probability and 670 represents the lowest probability of delinquency.
- Risk Class - Separates businesses into five distinct risk groups where 1 represents businesses that have the lowest probability of severe delinquency, and 5 represents businesses with the highest probability. The credit score class allows you to quickly segment new and existing accounts according to risk to determine appropriate marketing or credit policies.
- Percentile Norms - Represent the average score and percentile for all scorable companies with similar demographics, and they can be used to benchmark where the company stands relative to the norm for its peer group.
Distribution of Commercial Credit Score Risk Class
The table below illustrates the distribution of the Commercial Credit Score Class in the D&B Business Universe. In addition, this table displays their associated Percentile Ranking and Score, along with the Delinquency Rate.
|Credit Score Risk Class
||% of Businesses within this Risk Class
||Credit Score Percentile
||Commercial Credit Score
||91 - 100
||71 - 90
||31 - 70
||11 - 30
||1 - 10