D&B Total Loss Predictor

Total Loss Predictor identifies and quickly assesses companies that have a high risk of defaulting on their very first payment, which could be for a number of reasons, including an inability, unwillingness, or intent not to pay.

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, a country code of "US" and the appropriate product code will be required. If this information is not available, refer to obtaining a company D-U-N-S Number for assistance. A trade up option exists to request data for the headquarters when the requested organization is a branch.

NOTE: The product code for D&B Total Loss Predictor is TLP. This product may be included in the Monitoring process.

Business Elements

The following table is an alphabetical list of the unique items delivered in this data layer. Legend: [C] = may be included in a Custom Data product; [M] = may be referenced by the Monitoring process; [M+] = Monitored using an aggregate or attribute XPath.

NOTE: This product will return a set of standard elements (e.g. D-U-N-S Number, Organization Name, Trade Styles, Family Tree Role, Primary Address, Mailing Address, Telephone Number, Fax Number, et al.) along with the business elements listed. In addition, customers who compare the following table to the Data Primer should be advised of several intentional differences.

Name Description XML* JSON*
Reason Code 2 [C] [M+] SOAP REST
Reason Code 3 [C] [M+] SOAP REST
Reason Code 4 [C] [M+] SOAP REST
Reason Code 5 [C] [M+] SOAP REST
Reason Code 6 [C] [M+] SOAP REST
Total Loss Predictor Class Score A one digit number from 0 to 5 assigned to the business based on information in D&Bss file. The higher the class score the greater the likelihood that the organization will not pay other commercial business [C] [M] SOAP REST
Total Loss Predictor Raw Score Records the most recent risk scores that are assigned to this organization on a given date/time that predicts the likelihood that the organization will not pay other commercial businesses, which affects financial institutions and other industries that ext [C] [M] SOAP REST
Total Loss Predictor Score Commentary Text Text that explains the primary reasons the subject business was assigned the Total Loss Predictor Score [C] [M+] SOAP REST
Total Loss Predictor Score Override Reason Text Text that provides an explanation for why an instance of the Total Loss Predictor Score was overriden on the subject organization [C] [M+] SOAP REST
Total Loss Predictor Score Risk Incidence Percentage A percentage that expresses the likelihood that the organization will not pay other commercial businesses [C] [M] SOAP REST

*The links in this column provide the technical characteristics for the data field of the respective business element in the XML or JSON response.

The preceding list is not presented in the order, nor manner, in which the information is packaged and delivered via the D&B Direct API.

While data for a particular company may not contain values for all of the business elements, there may be items that are considered by D&B to be essential to yield the maximum benefit of a data layer. If any of these essential elements do not contain a value for a particular company, an error code will be returned, and your organization will not incur a usage credit for the request.

The Product Availability Lookup feature may be utilized to determine if this D&B Direct product is available for a given D-U-N-S Number.

The availability of certain scores delivered by this product may be limited due to a lack of sufficient company or industry specific data to perform the calculations.

Additional Details

The D&B Total Loss Predictor score will predict a business’s intent or willingness to not pay other commercial businesses (business to business dealings), which affects financial institutions and other industries that extend trade credit. The score calculation makes use of historical search patterns from a search database along with other high-risk identifiers and proprietary data to produce a score that can be used to discriminate between fraudulent and legitimate credit seeking payment behavior.

The following table is a list of possible values for the Reason Code business elements mentioned in the preceding table.

Commentary Text Code
Address identified as a consumer address 26176
Address information on file differs from external sources 26175
Number of retail Inquiries 26182
Business information is not confirmed by available external sources 26179
Some firmographic data differs from available external data sources 26205
Dollar amount of suits, liens, or judgements 26215
Evidence of negative trade 26092
Higher risk industry based on delinquency rates for this industry 26090
Higher risk industry based on risk rates for this industry 26214
Higher risk region based on delinquency rate for this region 26086
Limited or no enquiries 26211
Limited time under present management control 19812
No Payment Experiences reported 26094
Limited number of payment experiences reported 26153
Physical address has incorrect or missing information 26210
Proportion of recent past due balances reported 26209
Proportion of past due balances to total amount owing 26173
Proportion of recent slow payment experiences reported 26212
Proportion of retail enquiries 26208
Proportion of slow payment balances reported 26207
Proportion of slow payment experiences to total number of payment experiences reported 26172
Recent slow payment reported 26206
Reported high credit amount 26204
Indications of Business Deterioration or high risk 26394
Unable to confirm active operations 26395
Operating Status - Out of Business 1881
Indication of open bankruptcy 26396
Self Requested Duns 26398

This product is only available for organizations domiciled in the United States. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.

Access to this information is provided on a metered basis; and will require data layer entitlement prior to use in the production environment. A built-in feature exists to prevent duplicate billing when multiple requests with the same D-U-N-S Number and product code are submitted on the same calendar day (which is based on Eastern Standard Time [GMT-5]).

An option exists to retain the results from all successful requests for this product in a Product Request Archive, which may be retrieved without incurring additional usage charges.

Technical Specification

For details on how to obtain this data layer, please refer to the Assessment.OrderProduct (SOAP) or Assessment.OrderProduct (REST) page.

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