Score Disclaimer
General Disclaimer
Dun & Bradstreet’s Credit Scores are derived from the collection of Firmographic Data Sets, which include basic business attributes (e.g., business, name address, start date), and Contributed Data Sets, such as trade payment data, as well as the historic performance of such data sets. Data sets are modeled and extrapolated on a sector or industry basis.
In some instances, not all data elements of such data sets are available to us. In those instances, proxy elements with similar predictive power may be used to substitute for absent data elements.
Dun & Bradstreet obtains data from sources it believes to be accurate and reliable, but Dun & Bradstreet is not an auditor and cannot in every instance independently verify or validate information received. Because of the possibility of human or mechanical error, the data provided may include inaccuracies or errors.
Our Credit Ratings are statements of opinion as of the date they are expressed and are not statements of current or historical fact or recommendations.
Every business decision, to some degree, represents an assumption of risk. Our Credit Ratings are predictions, based on statistically valid models, but Dun & Bradstreet cannot guarantee the accuracy of such ratings. Further, our Credit Ratings do not take into account every risk, including but not limited to, other economic factors or changing market conditions. Finally, Past performance does not guarantee or indicate future results.
Further, our Credit Ratings do not take into account the individual circumstances of each user. Therefore, each user should evaluate and apply our Credit Ratings based on individual circumstances and specific credit analysis needs.
Dun & Bradstreet is committed to delivering the highest quality scores. Regular performance monitoring of the scorecards assures continual performance of the scores in helping identify risk.
UK Delinquency Score Disclaimer
The Delinquency Score seeks to predict the likelihood that a business will pay its bills in a severely late manner in the next year. This score may be based on, but not limited to, data elements such as industry type, trade payment data, and/or financial data. Other data elements taken into account include, for example, bankruptcy and receivership. Scores may be extrapolated, based on analytics, from such data.
The Delinquency Score was developed using rigorous statistical techniques for all stages of the modeling process. Our process of checks and balances also includes validation of the models on separate samples from different time periods to help ensure stability over time.
In some instances, not all data elements are available to us. In those instances, proxy elements with similar predictive power may be used to substitute for absent data elements. For this reason, a Delinquency Score will be generated in the absence of trade payment data, where we have determined a that a valid score can be generated based on a proxy or proxy elements.
Our Credit Ratings are statements of opinion as of the date they are expressed and are not statements of current or historical fact or recommendations.