D&B Rating & Trend

This D&B Direct product provides the composite capital and Credit Rating assigned by D&B, along with the former rating, plus indicators of guarantees from parent companies, the historical background of the businesses officers and financing.

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 Rating & Trend is RTNG_TRND. This product currently may not 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*
D&B Rating Text describing the estimated financial strength and composite credit appraisal assigned to the subject at the time of last update. [C] SOAP REST
Financial Condition Text Text that provides an indication of the strength of the business finances. [C] SOAP REST
Guarantee Rating Reason Text Text that indicates that the parent company has pledged to honor its subsidiary. [C] SOAP REST
Organization History Text Text that indicates if D&B has any information that may reflect unfavorably on this organization, e.g. clear, incomplete, management and business.  [C] SOAP REST
Overall Trend Text Text that indicates the direction and profits. [C] SOAP REST
Previous D&B Rating Text describing the estimated financial strength and composite credit appraisal assigned to the subject at the time of last update. [C] SOAP REST
Rating Summary Text Text that Indicates the estimated financial strength and composite credit appraisal assigned by the Business Reporter on a subjective basis at the time the report is written.‎‪ [C] SOAP REST
Secured Filings Indicator When 'true' indicates that open secured filings such as secured charges, mortgages or equivalent exist in the D&B database. [C] 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.

Additional Details

The D&B Credit Rating helps assess a firm's size and composite credit appraisal based on information in a company's interim or fiscal balance sheet, and an overall evaluation of the firm's creditworthiness. The D&B rating is made up of two components:

Rating Classification

Composite Credit Appraisal

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.

D&B Ratings "5A" to "HH"

D&B Ratings "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.

Rating Classification Net Worth (USD) Composite Credit Appraisal
High Credit
(Low Risk)
Good Credit
(Good Risk)
Fair Credit
(Fair Risk)
Limited Credit (High Risk)
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

D&B Ratings "1R" and "2R"

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 have a current financial statement.

Rating Classification Number of Employees Composite Credit Appraisal
High Good Fair Limited
1R 10 Employees and Over n/a 2 3 4
2R 1-9 Employees n/a 2 3 4

D&B Ratings "ER1" to "ERN"

Certain lines of business, primarily banks, insurance companies, and government entities, do not lend themselves to classification under the D&B Rating System. Instead, D&B assigns these types of businesses an Employee Range symbol based on number of people employed. No other significance should be attached to this symbol.

Employee Range Symbol Number of Employees
ER1 1,000 or more employees
ER2 500-999
ER3 100-499
ER4 50-99
ER5 20-49
ER6 10-19
ER7 5-9
ER8 1-4
ERN Not available

Other Classifications

The following table provides a explanation of other possible ratings:

Rating Description
INV Indicates that D&B is 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 inquiry should be made before reaching a decision. Some reasons for using a -(blank) symbol include: deficit net worth, bankruptcy proceedings, lack of or insufficient payment information, or incomplete history information.
NQ Not quoted. This is generally assigned when a business has been confirmed as no longer active at this 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.

Technical Specification

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

Product History

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