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Paydex Score and Duns & Bradstreet Ratings

The content below is available on Start Up Loans simply as a convenience to our users. The original version can be found on D&B’s website here. Please provide D&B with all credit for these tables. We also provide personal and business credit score tables, business credit guides and commercial financing types as well that are property of StartupLoans.org and are free for public use.

D&B Rating, PAYDEX®, and Score Tables*

United States Businesses

D&B Rating Interpretation Table

D&B Score Interpretation Table

D&B PAYDEX Value Table

Financial Stress Score

Commercial Credit Score

* NOTE: The scoring tables presented here refer to the version 6 (2002) Commercial Credit Score and Financial Stress Score. This information on the scores is applicable to the Credit Scoring Report and Financial Stress Scoring Report.

D&B Rating Interpretation Table

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 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

D&B PAYDEX Value Table

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 tenns
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 beyone 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


Financial Stress Score

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 Incidence of Financial Stress
1 1570-1875 95-100 0.03%
2 1510-1569 69-94 0.09%
3 1450-1509 34-68 0.24%
4 1340-1449 2-33 0.84%
5 1001-1339 1 4.70%

“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.

Commercial Credit Score

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 file. The score was 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 Incidence of Delinquency
536-670 91-100 1
2.5%
493-535 71-90 2
4.8%
423-492 31-70 3
12.9%
376-422 11-30 4
24.2%
101-375 1-10 5
58.8%

“0″ generally denotes indication of open bankruptcy or out of business at the location. “0″may also denote higher risk situations.

Incidence of Delinquent Payment Assignment Table
Minimum Score Maximum Score Incidence of Delinquent Payment
96 100 2.1%
91 95 2.9%
86 90 3.6%
81 85 4.4%
76 80 5.2%
71 75 6.1%
66 70 7.3%
61 65 8.7%
56 60 10.5%
51 55 12.2%
46 50 13.9%
41 45 15.5%
36 40 17.2%
31 35 18.4%
26 30 20.2%
21 25 22.5%
16 20 24.6%
11 15 29.6%
6 10 44.9%
1 5 72.7%

The Incidence of Delinquent Payment for all firms in the United States in D&B’s file is 17.3%.

The Incidence of Delinquent Payment shows the percentage of firms in a given percentile range that paid in a delinquent manner (90 + days past terms) over the past year. The Incidence of Delinquent Payment among all firms in D&B’s files represents the national delinquency rate and is provided for comparative purposes. All Commercial Credit Class, Percentile, Score and Incidence statistics are based on 2001.