Most of our Comprehensive and Summary reports have optional available add-ons of some of the most popular information from Experian and Dun & Bradstreet that make the insights provided by the reports even more powerful.
If the report you’re ordering does not already include one of these components as standard, you can add one or more of them to your report when you place your order for a small additional fee.
Experian’s Days Beyond Terms (DBT) is a dollar-weighted average number of days beyond the due date that a business pays its bills based on trade lines that have been updated in the previous 3 months. DBT represents the number of days past the terms given, so a DBT of 5 means that a customer is paying, on average at 5 days after the date due. Our reports include a 13-month trend graph of the Experian DBT.
The PAYDEX Score is Dun & Bradstreet's unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to Dun & Bradstreet by various vendors. The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance.
PAYDEX Value Table
The D&B Viability Rating is an analytic tool that offers a comprehensive assessment of whether a company will still be in business in 12 months. The Viability Rating combines a Viability Score, a Portfolio Comparison, a Data Depth Indicator and a Company Profile rating to deliver a single indicator of a company's viability.
While other scores target specific problems like getting paid on time or likelihood of bankruptcy, the Viability Rating helps to answer general credit decision questions like:
- Is the business viable?
- What are the growth prospects of this business?
- Do I want to establish or continue a relationship with this business?
- Is there enough data on this business to make an intelligent decision?
The four components of the Viability Rating are:
- Viability Score - By comparing the targeted company to all other businesses in the U.S, the viability score assess the probability that a company will no longer be in business within the next 12 months.
- Portfolio Comparison - Refines the search of the targeted company to similar businesses within the D&B “model segment” classification.
- Data Depth Indicator - Ranging from A to G (minimal data), the indicator represents the amount of predictive data available for the company.
- Company Profile - Given available data, the company description includes financial data available, number of trade payments, company size, and years in business.
Viability Rating Quick Reference Guide
Lawsuits from Dun & Bradstreet contain public records on lawsuits filed against the company. Each record will show the status of the suit, the case number, plaintiffs, defendants, cause, amount, jurisdiction, date filed and status date.