How soon will I get paid?

When it comes to making credit decisions, past performance is a leading indicator of what the future will bring. Knowing how a company has paid other creditors provides excellent insight into the payment behaviour your customer is likely to exhibit - dramatically reducing the risk of delinquency or non-payment. To turn payment history into exploitable information, D&B has developed the Dynamic Delinquency Score* (DDS). Based on past payment performance the DDS is a predictive model measuring the probability of a business paying in a severely delinquent manner. Incorporating the DDS into your credit decisioning process provides additional insight enabling you to decide quickly and confidently whether to accept or reject accounts, adjust terms or credit limits, or conduct a more extensive review. By predetermining a cut-off score, based on approval rate information provided in the report, your credit decisions will be consistent, well informed and virtually automatic. The D&B DDS facilitate faster, more confident credit decisions without the need for costly, labour intensive account analysis.

*Dynamic Delinquency Score (DDS) - The Dynamic Delinquency Score, a compilation of financial, credit and demographic factors, is a statistically derived measure that assesses the probability of a firm paying its bills in a severely delinquent manner (90+day past terms) over the next 12 months. Benchmarked by individual industry segment, the DDS tells you how the company measures up to other businesses in D&B's database.