Q: Why three scores instead of one?
A: Your business is scored by multiple agencies. Often you won't know which agencies' scores are being used to evaluate your business, so it's best to know all three.
Q: Why are good business scores important to my business?
A: High business scores are vital when attempting to borrow money from a bank or establish credit with a supplier or government agency. Often the better your scores, the better your negotiating power, business terms, and company reputation.
Q: Can CompanyCreditScores.com help me grow my business?
A: Yes. CompanyCreditScores.com lets you see your credit worthiness the way others do. Knowing your scores from all three agencies, and looking for ways to improve them, will help your business obtain the credit you need to operate effectively and expand to the next level. A good score can be the difference between you being selected as that next supplier or watching your competition win out.
Q: Can CompanyCreditScores.com save my business money?
A: CompanyCreditScores.com saves you time and money. It is the only website providing three business scores from three major score providers in one instant report, at one low price.
Q: Are all three scores calculated the same way? If so, shouldn't they all be the same?
A: The score providers all use different methods and often accumulate different data for calculating their scores. These three independent viewpoints provide you with more decision confidence when they all agree. D&B and Experian examine Tradelines, Public Record Filings, Inquiries and other factors on the target business to calculate a business score. Oxxford Information uses industry and geographic data to calculate an econometric composite business score. Expect some variation.
Q: What if only one or two scores are available? Can I still buy the Triple Score Business Report?
A: There are occasions when one or more of the score providers don't have a report or a score on your business. This is normal, especially for new businesses or businesses with little credit history. In these cases we will offer you the score(s) that are available at a discounted price.
Q: I don't know why one or more of my scores are so different. How can I see the detail that went into my letter scores?
A: The score providers all use different methods and often accumulate different data for calculating their scores. They also receive feeds from multiple payment providers that sometimes show different payment behaviors. You can purchase detailed reports containing this information from any of the three score providers following a Triple Score Business Report purchase.
See sample score detail reports and pricing >>
Q: What is an Experian score?
A:
Experian provides a predictive score of the risk for severe payment delinquency
and/or bankruptcy over the next 12 months. The Experian score uses sophisticated
statistical techniques to predict the likelihood that a business's payment
performance will become seriously delinquent, defined as 90-plus days beyond
terms within the next 12 months, or that the business will go bankrupt based on
the data in Experian's file.
The actual Experian risk elements are as follows:
| Experian score | Risk assessment | Cumulative delinquency percentage | Estimated percentage of businesses |
| A | Low risk | 1.4% | 25% |
| B | Low-medium risk | 2.3% | 25% |
| C | Medium risk | 4.1% | 25% |
| D | Medium-high risk | 7.4% | 15% |
| E | High risk | 14.8% | 10% |
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Note: Non-scored businesses generally denote an indication of an open bankruptcy or too little
information in the Experian file to generate a score.
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Q: What is a D&B score?
A:
D&B provides a predictive score regarding on-time payment. The predictive score measures the risk of severe delinquency over the next 12 months based on the information in D&B's file.
The actual D&B risk elements are as follows:
| D&B score | Risk assessment | Risk percentage (mid-probability) | Estimated percentage of businesses |
| A | Low risk | 2.5% | 15% |
| B | Low-medium risk | 4.8% | 26% |
| C | Medium risk | 12.9% | 25% |
| D | Medium-high risk | 24.2% | 25% |
| E | High risk | 58.8% | 9% |
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Note: Non-scored businesses generally denote an indication of an open bankruptcy or an out-of-business at the location.
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Q: What is an Oxxford score?
A:
The Oxxford composite score is a weighted normalized composite econometric score
encompassing local economic conditions, industry risk, bankruptcy risk, and the potential
for firms having significantly delinquent payments within the next several years. The weighting schema
puts the greatest weight on those parts that have the greatest immediacy, and lesser weight on
those parts that measure broader issues. Because of this the Oxxford score may not exactly
reflect the current economic business of the target business, but is a good indicator of
businesses like this business in the same geographic area.
The Oxxford score distribution is as follows:
| Oxxford score | Risk assessment | Estimated percentage of businesses |
| A | Low risk | 25% |
| B | Low-medium risk | 25% |
| C | Medium risk | 25% |
| D | Medium-high risk | 15% |
| E | High risk | 10% |
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Q: Does CompanyCreditScores.com have access to every company in the U.S.?
A: CompanyCreditScores.com provides real-time access to more than 30 million companies from D&B, Experian, and Oxxford company databases. If your company is new or has little credit history, then one or more of these score providers may not have your company on file, or they may not have derived a score for your business.
Q: I don't understand the scores or data in the report. Who can I contact for help?
A: Click here to contact us at CompanyCreditScores.
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