Conflicting Business Credit Scores

Did you know that sometimes one business credit score can disagree with another score using the same credit bureau information? It’s not common, but it does happen. The cause is usually due to the scores evaluating different factors for a company. One model may be looking at financial stress while another is looking at credit risk. A company may be given above average risk of failure but a good credit limit recommendation.

Score models are only as good as the data behind them. It’s important to make sure you’re accessing accurate and complete credit information when using business credit scores. Having visibility into multiple data sources helps fill the inevitable gaps in any single credit information provider’s database.

BCR is the exclusive provider licensed to deliver business credit information from Experian, Dun & Bradstreet and Equifax and other sources. We deliver the predictive analytics you need to make intelligent decisions through a combination of bureau and proprietary credit scores and recommendations.

Score Model 1 from Credit Bureau A may say a company is a low risk, while Score Model 2 from Credit Bureau A may indicate a high risk.

Why would this happen? Usually, it’s due to the information in the credit bureau’s database. Score Model 1 may look at one set of data points, often called attributes, while Score Model 2 is focused on a different set of attributes. If the attributes that apply to Score Model 1 are well-populated with accurate information, that model will be more predictive. However, if the attributes used in Score Model 2 are poorly populated or are populated with incorrect data, the score could tell a very different story about the subject company.

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