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.
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.
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.
|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]||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]||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]||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]||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]||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.
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.
|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.