Predictive Payment Risk - D&B Commercial Credit Score (CCS) v 9.0

The US Commercial Credit Score predicts the likelihood that a business will go 90-days or more delinquent with a trade credit provider within the next twelve months. It is developed from many commercial credit variables (200+), from a variety of sources - primarily trade credit payment history, with firmographic and public record data as well.

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 Predictive Payment Risk - D&B Commercial Credit Score (CCS) v 9 is PPR_CCS_V9. This product may be included in the Monitoring process.

The CSS score is available for additional countries as part of the Predictive Bankruptcy & Payment Risk data layer.

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*
Average High Credit Amount - 24 Months A monetary figure specifying the average high credit is determined by dividing the total dollar amount by the number of experiences in file for the last 24 months. SOAP REST
Bankruptcy Indicator When 'true' indicates subject is involved in a bankruptcy. [M] SOAP REST
Business Commentary Text Text that records a brief statement of the subject company's assessment SOAP REST
Commercial Credit Class Score A one digit number from 0 to 5 based on the information D&B's file. It indicates the risk of delinquent payments over the next 12 months. [M] SOAP REST
Commercial Credit Raw Score A numeric value that predicts the likelihood that the organization will pay its bills in a severely delinquent manner (90+ days overdue) over the next 12 months [M] SOAP REST
Commercial Credit Score Class Description Text that describes the credit risk numeric score. It is a translation of the risk of delinquency over the next 12 months. [M] SOAP REST
Commercial Credit Score Date The date on which the score was calculated. [M] SOAP REST
Commercial Credit Score National Percentage A number that identifies where this organization's Commercial Credit score falls relative to the scores of other businesses. As an example, if the percentile here is 10, it means that this organization's score is the same as or better than 10% of the busi [M] SOAP REST
Control Year The date when the current owners took over this business. [M] SOAP REST
Do Not Confuse with Organization Name Text recording a name which could be very similar to the name of the subject and is very likely to be mistakenly used as the name of the subject. [M+] SOAP REST
Employee Quantity (All Locations) A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations. [M] SOAP REST
Employee Quantity (Headquarter Location) A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations at the subject's headquarter location. [M] SOAP REST
Financial Statement Currency Code The three-letter code, published by International Organization for Standardization (ISO), identifying the type of money that corresponds to the values in the financial statement. [M+] SOAP REST
Financial Statement Date The date when the accounting period ended. If the accounting figures are projected (future), then this is the date when the accounting period will end. [M+] SOAP REST
Financial Statement Period The period of the financial statement expressed as a number of years, months or days. (e.g. P3M is 3 months or quarterly, P1Y is 1 year or annual) SOAP REST
Financial Statement Unit of Size Text which identifies the unit of size that corresponds to the values in the financial statement. [M+] SOAP REST
Line of Business Text that records the description of operations continued by a business. [M+] SOAP REST
Most Senior Principal Position Text recording the title of the primary executive. [M+] SOAP REST
Non-Postal Town Text recording the name of a village, town or suburb where this is not a Primary Town/City. For example, 'Booker' in Booker, High Wycombe. SOAP REST
Organization Start Year The year when operations undertaken by the organization commenced. [M] SOAP REST
Out of Business Indicator Text that records the operating status of the business. [M+] SOAP REST
Out of Business Indicator (Standalone) When 'true' indicates that this organization is no longer functional / trading. When 'false' indicates that this organization is functioning / trading. SOAP REST
Parent Bankruptcy Business Name Text recording the name of the parent Organization, as reported in bankruptcy proceedings. [M+] SOAP REST
Parent Bankruptcy D-U-N-S Number The D-U-N-S Number of the company specified as the parent Organization, as reported in bankruptcy proceedings. [M] SOAP REST
Parent Bankruptcy Indicator When 'true' indicates that the parent Organization of the subject has entered into bankruptcy. [M] SOAP REST
Special Event Date The date when the special event took place. SOAP REST
Total Equity Amount The total value of share capital/stock originally invested by shareholders/stockholders plus any reserves which have arisen such as retained profits which are ploughed back into the firm. Also known as Net Worth. [M+] SOAP REST
Trade Experience Data Unavailable Indicator When 'true' indicates that there are no trade experiences in the D&B files for this business. [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

This product is also known as the D&B Delinquency Predictor.

The Commercial Credit Score (CCS) predicts the likelihood of a business paying its bills in a severely delinquent manner (91 days or more past terms), obtaining legal relief from its creditors or ceasing operations without paying all creditors in full over the next 12 months.

D&B defines severe delinquency as a business with at least 10% of its payments 91 days or more past due, based on the information in D&B’s commercial database. The score ranges from 101 to 670, where 101 represent the highest probability and 670 represent the lowest possibility of delinquency.

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.

Previous Calculations

Existing D&B customers who have developed applications that rely on an earlier Commercial Credit Score (CCS) calculation may request the v 7.0 or v 8.0 variations of the CCS by passing the alternate product code of PPR_CCS_V7 or PPR_CCS_V8.

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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