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How does the data depth indicator affect the Viability Rating™?

Question: How does the data depth indicator affect the Viability Rating™?

Answer: The data depth indicator assesses the level of predictive data available for a business that is used to score its viability. Data depth includes the amount of business intelligence known about a business based on the availability of information such as commercial trading activity, financial attributes, and firmographic data.

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 The level of data is represented by a letter on a scale of A - G where A reflects the greatest level of predictive data to make a highly reliable assessment of company viability, and G reflects a minimal level of data which can be considered descriptive. The more comprehensive the data, the more precise the overall D&B Viability Rating becomes. If a company has been placed in the Special Category, a letter ranging from H-M will be assigned to identify the specific reason. Reference the chart below for details.

Rating

Description

A

Rich Firmographics, Extensive Commercial Trading Activity and Comprehensive Financial Attributes

B

Rich Firmographics, Extensive Commercial Trading Activity and Basic Financial Attributes

C

Rich Firmographics, Extensive Commercial Trading Activity and No Financial Attributes

D

Rich Firmographics, Partial Commercial Trading Activity and No Financial Attributes

E

Rich Firmographics, Sparse Commercial Trading Activity and No Financial Attributes

F

Basic Firmographics, Trace Commercial Trading Activity and No Financial Attributes

G

Basic Firmographics and No Financial Attributes

 

Rating

Special Category Description

H

Out of business - Business i.e. either Bankrupt(Chapter 7) or an officer or owner of the business confirmed they no longer operate and are out of business.

I

Unable to confirm Designation - D&B is unable to confirm active operation at a specific location due to the business showing limited to no business activity and multiple sign of inactivity (e.g. :Disconnected phone, Vacant address, No longer in a telephone directory etc.).

J

Bankruptcy - Business has filed for chapter 11 bankruptcy and the plan of recognition is not yet confirmed.

K

High Risk (Severe Risk) - Business displays characteristics of misrepresentations.

L

Self reported Duns supported Record - Business' request for DUNS number requires an investigation or confirmation of information from D&B.

M

Business Deterioration (Severe Risk) - Business displays characteristics of financial distress, including sign of current or imminent business failure or operating difficulty.

 

 If you have questions regarding the data depth and it's affect on the Viability Rating™, you can contact one of our Credit Advisors by clicking on the "Submit a Request" tab from the menu bar above and filling out a request form.

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