D&B Total Loss Predictor
| Product(s) | D&B Direct 2.0 |
| Product Code(s) | TLP |
| Level(s) | Standard |
| Monitoring Available | Yes |
| Interface | SOAP |
| WSDL | download |
| Format(s) | XML |
| Service | Assessment |
| Operation | OrderProduct |
| {version} | 5.0 |
| 5.0 Released On | January 23, 2015 |
Total Loss Predictor (TLP) identifies and quickly assesses companies that have a high risk of defaulting on their very first payment, which could be for a number of reasons, including an inability, unwillingness, or intent not to pay.
See the Predictive Analytics page for more information on Dun & Bradstreet's risk scores.
Update History
- October 11, 2024 (ALL SOAP & REST): Updated Primary Address (Territory and Country) mapping for Russia market.
Product Request
IMPORTANT: Due to a known issue, please do not include request values for SubmittingOfficeID.
IMPORTANT: Please see the new Online Services Security Enhancement Release, effective November 09, 2020.
Overview
When requesting this feature, a valid D&B D-U-N-S Number for a company and the appropriate product code will be required. For improved performance, include a country code of "US".
A trade up option exists to request data for a headquarters location when the requested organization is a branch.
Global Availability
This data layer is only available for businesses domiciled in the United States.
Data Layer Entitlement
For customers in U.S. and Canadian markets, the API is provisioned for specific collections of products, reports, and/or features (collectively referred to as data layers) for production and trial usage. Entitlement is not required for testing in the sandbox environment.
- This product is entitled as "D&B Total Loss Predictor" for D&B Direct 2.0 customers.
For customers in the UK, Ireland, Belgium, Netherlands and Luxembourg markets, the API is provisioned as a specific set of data layers for production, trial, and sandbox usage.
- This particular data layer is NOT included in the D&B Direct Onboard suite.
Specification
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ass="http://services.dnb.com/AssessmentProductServiceV2.0">
<soapenv:Header>
<wsse:Security soapenv:mustUnderstand="0" xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd" xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
<wsse:UsernameToken wsu:Id="UsernameToken-11">
<wsse:Username>MyUserName</wsse:Username>
<wsse:Password Type="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText">MyPassword</wsse:Password>
</wsse:UsernameToken>
</wsse:Security>
</soapenv:Header>
<soapenv:Body>
<ass:OrderProductRequest ServiceVersionNumber="5.0">
<OrderProductRequestDetail>
<InquiryDetail>
<DUNSNumber>804735132</DUNSNumber>
</InquiryDetail>
<ProductSpecification>
<DNBProductID>TLP</DNBProductID>
</ProductSpecification>
</OrderProductRequestDetail>
</ass:OrderProductRequest>
</soapenv:Body>
</soapenv:Envelope>
| Name | Characteristics |
|---|---|
| OrderProductRequest | Aggregate |
| OrderProductRequest @ServiceVersionNumber | Attribute |
| OrderProductRequest. TransactionDetail | Aggregate, Optional Records information necessary to process this request. |
| OrderProductRequest. TransactionDetail. ApplicationTransactionID | string, up to 64 chars, Optional A number assigned by the calling application to uniquely identify this request. |
| OrderProductRequest. TransactionDetail. TransactionTimestamp | DateTimestamp, Optional The date and time when this request was created. When the request is from an intermediary, such as a workflow manager or service bus, this is the date and time when the message was sent to the D&B function, i.e., the date and time when the xml document was created by the requesting intermediary. |
| OrderProductRequest. TransactionDetail. SubmittingOfficeID | string, up to 64 chars, Optional A number that identifies the system or the software application from where this request originated. / A number used to uniquely identfy the D&B business segment or delivery channel from where this request originated. |
| End: OrderProductRequest. TransactionDetail | /Aggregate |
| OrderProductRequest. OrderProductRequestDetail | Aggregate, Optional Records data relating to requests for a product. This may include such details as the product required, the subject about which the product should be produced, the content of the product. |
| OrderProductRequest. OrderProductRequestDetail. InquiryDetail | Aggregate, Required Records data that allows the customer to specify identifying information about the subject being inquired, e.g., the DUNS Number, the address, the telephone number. |
| OrderProductRequest. OrderProductRequestDetail. InquiryDetail. DUNSNumber | string, up to 15 chars Pattern: {([0-9a-zA-Z]*)}, Optional The D-U-N-S Number is D&B's identification number, which provides unique identification of this organization, in accordance with the Data Universal Numbering System (D-U-N-S). |
| OrderProductRequest. OrderProductRequestDetail. InquiryDetail. CountryISOAlpha2Code | string, at least 2 chars up to 2 chars, Optional The two-letter country/market code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO)identifying the country/market of the inquired subject. |
| End: OrderProductRequest. OrderProductRequestDetail. InquiryDetail | /Aggregate |
| OrderProductRequest. OrderProductRequestDetail. ProductSpecification | Aggregate, Required Records data that allows the customer to specify the details of the requested product. This may include details such as the identifier of the product, the language in which the product needs to be rendered, the format in which the product needs to be rendered. |
| OrderProductRequest. OrderProductRequestDetail. ProductSpecification. DNBProductID | string, Optional An alphanumeric string that uniquely identifies the product being requested. |
| OrderProductRequest. OrderProductRequestDetail. ProductSpecification. LanguagePreferenceCode | integer, up to 7 digits, Optional A D&B code value that defines the language in which the customer wants this product to be rendered. Possible values: 39 [English] |
| OrderProductRequest. OrderProductRequestDetail. ProductSpecification. OrderReasonCode | integer, up to 7 digits, Optional Possible values: 6332 [Credit Decision]; 6333 [Assessment of credit solvency for intended business connection]; 6334 [Assessment of credit solvency for ongoing business connection]; 6335 [Debt Collection]; 6336 [Commercial Credit Insurance]; 6337 [Insurance Contract]; 6338 [Leasing Agreement]; 6339 [Rental Agreement] |
| OrderProductRequest. OrderProductRequestDetail. ProductSpecification. TradeUpIndicator | boolean, Optional When 'true' indicates that the customer has requested that D&B return the data for the Headquarters when the requested organization is a Branch. When 'false' indicates that the customer has not requested that D&B return the data for the Headquarters when the requested organization is a Branch; however as this is the assumed condition there is no requirement to create this tag to represent this fact. Note: There are D&B WorldWide Network operations where the Headquarters information will be returned automatically, regardless of the customer request. Possible values: true; false |
| End: OrderProductRequest. OrderProductRequestDetail. ProductSpecification | /Aggregate |
| OrderProductRequest. OrderProductRequestDetail. ArchiveDetail | Aggregate, Optional |
| OrderProductRequest. OrderProductRequestDetail. ArchiveDetail. ArchiveProductOptOutIndicator | boolean, Optional When 'true' indicates that the product being ordered is not to be stored. When 'false' indicates that the product being ordered is to be stored; however as this is the assumed condition there is no requirement to create this tag to represent this fact. Possible values: true; false |
| OrderProductRequest. OrderProductRequestDetail. ArchiveDetail. ExtendArchivePeriodIndicator | boolean, Optional When 'true' the duration to archive the data is to be extended. Note: There is an additional cost for extending the archival period of the data purchased. When 'false' the duration to archive the data is not to be extended. Possible values: true; false |
| End: OrderProductRequest. OrderProductRequestDetail. ArchiveDetail | /Aggregate |
| OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail | Aggregate, Optional Records data that allows the customer to specify information to be linked to the request in order to support subsequent order reconciliation. |
| OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail. CustomerReferenceText | string, up to 240 chars, Optional (Up to 5x) A freeform reference string provided by the customer to be linked to the product in order to support subsequent order reconciliation. |
| OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail. CustomerBillingEndorsementText | string, at least 1 chars, up to 240 chars, Optional Text that is filled in by customer and commonly contains requesting individual or department name, or customer's own account/reference number and/or name for the case on which the product was provided.This text is a reference used during the billing process. |
| End: OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail | /Aggregate |
| End: OrderProductRequest. OrderProductRequestDetail | /Aggregate |
| End: OrderProductRequest | /Aggregate |
Endpoint
Use the following endpoint with the downloadable WSDL to request this product.
| SOAP (Assessment) | |
|---|---|
| https://direct.dnb.com/AssessmentProduct/V{version} | WSDL |
Testing
Sandbox
The following parameters may be used for D&B Direct 2.0 developer sandbox requests to retrieve successful responses. The data returned from sandbox requests may not represent actual values that this feature will deliver.
| D-U-N-S Number (Country Code) |
|---|
| 804735132 (US); 362241452 (US) |
Trials
When conducting testing in the production environment during a trial period, product requests will be limited to the local market of the customer.
Production
A set of D-U-N-S Numbers is available to D&B Direct 2.0 customers for performing non-billable transactions in the production environment.
Product Response
While data for a particular company may not contain values for each 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, a PD005 response code will be returned, and your organization will not incur a usage credit for the request.
For all codified data delivered by D&B Direct, the response package will include the decoded text value as a data element with the code value attached as an attribute. Refer to the Reference Data Service for access to the D&B standard code tables.
Specification
The following is a list of the possible data fields returned by this operation in the XML response. Samples are provided for testing successful and failed retrieval, and to demonstrate the basic layout of a response. The data returned in samples may not represent actual values that this feature will deliver.
NOTE: The D-U-N-S Number returned in the response will be a nine-digit zero-padded, numeric value.
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
<soap-env:Body xmlns:soap-env="http://schemas.xmlsoap.org/soap/envelope/">
<ass:OrderProductResponse ServiceVersionNumber="5.0" xmlns:ass="http://services.dnb.com/AssessmentProductServiceV2.0">
<TransactionDetail>
<ServiceTransactionID>Id-155fc254a46c0300480a02001bf6b672-2</ServiceTransactionID>
<TransactionTimestamp>2015-01-23T09:47:50.529-05:00</TransactionTimestamp>
</TransactionDetail>
<TransactionResult>
<SeverityText>Information</SeverityText>
<ResultID>CM000</ResultID>
<ResultText>Success</ResultText>
</TransactionResult>
<OrderProductResponseDetail>
<InquiryDetail>
<DUNSNumber>804735132</DUNSNumber>
<CountryISOAlpha2Code>US</CountryISOAlpha2Code>
</InquiryDetail>
<Product>
<DNBProductID>TLP</DNBProductID>
<Organization>
<SubjectHeader>
<DUNSNumber>804735132</DUNSNumber>
</SubjectHeader>
<Telecommunication>
<TelephoneNumber>
<TelecommunicationNumber>(650) 555-0000</TelecommunicationNumber>
<InternationalDialingCode>1</InternationalDialingCode>
</TelephoneNumber>
</Telecommunication>
<Location>
<PrimaryAddress>
<StreetAddressLine>
<LineText>492 Koller St</LineText>
</StreetAddressLine>
<PrimaryTownName>San Francisco</PrimaryTownName>
<CountryISOAlpha2Code>US</CountryISOAlpha2Code>
<TerritoryAbbreviatedName>CA</TerritoryAbbreviatedName>
<PostalCode>94110</PostalCode>
<TerritoryOfficialName>California</TerritoryOfficialName>
</PrimaryAddress>
</Location>
<OrganizationName>
<OrganizationPrimaryName>
<OrganizationName>Gorman Manufacturing Company, Inc.</OrganizationName>
</OrganizationPrimaryName>
</OrganizationName>
<OrganizationDetail>
<FamilyTreeMemberRole>
<FamilyTreeMemberRoleText DNBCodeValue="12775">Global Ultimate</FamilyTreeMemberRoleText>
</FamilyTreeMemberRole>
<FamilyTreeMemberRole>
<FamilyTreeMemberRoleText DNBCodeValue="12774">Domestic Ultimate</FamilyTreeMemberRoleText>
</FamilyTreeMemberRole>
<FamilyTreeMemberRole>
<FamilyTreeMemberRoleText DNBCodeValue="12773">Parent</FamilyTreeMemberRoleText>
</FamilyTreeMemberRole>
<FamilyTreeMemberRole>
<FamilyTreeMemberRoleText DNBCodeValue="12771">Headquarters</FamilyTreeMemberRoleText>
</FamilyTreeMemberRole>
</OrganizationDetail>
<Assessment>
<TotalLossPredictorScore>
<ScoreTimestamp>2015-01-23T09:47:50.348-05:00</ScoreTimestamp>
<RawScore>2658</RawScore>
<ClassScore>03</ClassScore>
<RiskIncidencePercentage>0.50</RiskIncidencePercentage>
<ScoreCommentary>
<CommentaryText DNBCodeValue="26086">Higher risk region based on delinquency rates for this region</CommentaryText>
<DisplaySequence>1</DisplaySequence>
</ScoreCommentary>
<ScoreCommentary>
<CommentaryText DNBCodeValue="26175">Address information on file differs from external sources</CommentaryText>
<DisplaySequence>2</DisplaySequence>
</ScoreCommentary>
<ScoreCommentary>
<CommentaryText DNBCodeValue="26212">Proportion of recent slow payment experiences reported</CommentaryText>
<DisplaySequence>3</DisplaySequence>
</ScoreCommentary>
<ScoreCommentary>
<CommentaryText DNBCodeValue="26214">Higher risk industry based on risk rates for this industry</CommentaryText>
<DisplaySequence>4</DisplaySequence>
</ScoreCommentary>
</TotalLossPredictorScore>
</Assessment>
</Organization>
</Product>
</OrderProductResponseDetail>
</ass:OrderProductResponse>
</soap-env:Body>
</soapenv:Envelope>
| Name | Characteristics |
|---|---|
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreTimestamp | date & time, Optional The date and time when the risk scores were assigned to this subject. In the event that the risk scores could not be assigned, this is the date and time when the reason was recorded explaining why the score was not assigned. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. RawScore | long, Optional A numeric value that predicts the likelihood that the risk will occur. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ClassScore | string, up to 3 chars, Optional A numeric value from 1 to 10 that succinctly expresses the likelihood of risk by specifying in which risk group this organization belongs. In other words, it specifies where this organization falls in a statistical distribution of all businesses (e.g, a bell curve, a half-normal distribution). A value of 1 denotes lowest risk and a value of 10 denotes highest risk. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. RiskIncidencePercentage | decimal, up to 10 digits, maximum of 5 decimal places, Optional A percentage that expresses the likelihood that the inferred risk (e.g., payment delinquency, discontinued operations) will occur for this organization. This percentage is determined based on which range this organization's score falls within a pre-determined set of score ranges. The ranges and percentages are determined through analysis of historical events. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreCommentary | Aggregate, Optional (Infinite) An entry loop which can repeat multiple times to allow the recording of primary reasons for the score. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreCommentary. CommentaryText | string, up to 256 chars, Optional Text that explains the primary reasons for the score. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreCommentary. CommentaryText @DNBCodeValue | integer, up to 7 digits, Attribute (1x) |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreCommentary. CommentaryText @DNBCodeTableNumber | integer, up to 7 digits, Attribute (1x) |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreCommentary. DisplaySequence | integer, up to 3 digits, Optional A number which may be used to define the order in which the reason code should be presented relative to any other occurrences of reason code where the lower the number the earlier the data is presented. |
| END:OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreCommentary | /Aggregate |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreOverrideReason | Aggregate, Optional (Infinite) An entry loop which can repeat multiple times to allow the recording of explanations stating why the risk score replaced the originally calculated value. The override reason can be recorded as a result of a manual adjustment or system rule. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreOverrideReason. ScoreOverrideReasonText | string, up to 256 chars, Optional Text which defines a generic reason for a rating override to provide a globally consistent view of the reason for the override. |
| OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. TotalLossPredictorScore. ScoreOverrideReason. ScoreOverrideReasonText @DNBCodeValue | integer, up to 7 digits, Attribute (1x) |
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.
Lists of possible values (when present) are subject to change. Additional values not presented in this documentation may be delivered in the response and should be anticipated in any implementation.
Empty/NULL Values
A NULL returned for an element indicates that the information was not provided to D&B when the related data items were collected. The absence of a value for a particular item should not be considered indicative of any implied value (e.g., NULL for a boolean indicator is NOT the same as a value of 'false').
NOTE: There may be additional request and/or response elements specified in the WSDL that are not applicable for D&B Direct customers. Data elements that are not listed on this page are currently unused by this operation.
Currency Codes/Units
Whenever financial statement data is included in a response, each individual business element (ItemAmount) should be inspected for currency code and unit values (CurrencyISOAlpha3Code and UnitOfSize). If a given element does not include these attributes, the values provided in the statement header should be utilized.
Response Codes & Error Handling
Successful service requests will return a CM000 response code in the TransactionResult ResultID field. Otherwise, one of the D&B Direct standard response codes will be returned.
This operation may return the following response codes: CM001-CM005, CM007-CM012, CM014, CM017, CM018, PD001, PD003, PD005, PD006, PD015, PD016,PD019 and SC001-SC012.
IMPORTANT: PD006 code - Applicable only for US/CA cases when TradeUpIndicator="true" for Risk packets.
D&B Direct 2.0 API requests are provided on a metered basis; and may require entitlement prior to use in the production environment. In addition, a concurrency limit (QPS) is monitored to ensure that it is not exceeded. An error code will be returned in the event that a transaction is throttled.
Qualified usage (e.g., a successful response) is tracked and billed according to the terms & conditions of the customer's contract. The response codes CM000, CM010, PD002 and PD015 are considered successful. A built-in feature exists to prevent duplicate billing when multiple successful 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]).
Retrieving Archived Copies
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.
NOTE: The default value for ArchiveProductOptOutIndicator is 'true', indicating that the request will NOT be automatically archived.
Business Elements
While D&B Direct uses a product canonical naming model in the request/response, many customers may be more familiar with the following business element labels.
This product will also 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, etc.) in addition to the business elements listed.
| Name | Description |
|---|---|
| Total Loss Predictor Class Score | A one digit number from 0 to 5 assigned to the business based on information in D&B's file. The higher the class score the greater the likelihood that the organization will not pay other commercial business PCM XPath: //Organization/ Assessment/ TotalLossPredictorScore/ ClassScore |
| Total Loss Predictor Raw Score | Records the most recent risk scores that are assigned to this organization on a given date/time that predicts the likelihood that the organization will not pay other commercial businesses, which affects financial institutions and other industries that ext PCM XPath: //Organization/ Assessment/ TotalLossPredictorScore/ RawScore |
| Total Loss Predictor Score Commentary Text | Text that explains the primary reasons the subject business was assigned the Total Loss Predictor Score PCM XPath: //Organization/ Assessment/ TotalLossPredictorScore/ ScoreCommentary/ CommentaryText |
| Total Loss Predictor Score Date | The date on which the score was calculated. PCM XPath: //Organization/ Assessment/ TotalLossPredictorScore/ ScoreTimestamp |
| Total Loss Predictor Score Override Reason Text | Text that provides an explanation for why an instance of the Total Loss Predictor Score was overridden on the subject organization PCM XPath: //Organization/ Assessment/ TotalLossPredictorScore/ ScoreOverrideReason/ ScoreOverrideReasonText |
| Total Loss Predictor Score Risk Incidence Percentage | A percentage that expresses the likelihood that the organization will not pay other commercial businesses PCM XPath: //Organization/ Assessment/ TotalLossPredictorScore/ RiskIncidencePercentage |
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. 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.
Standard Elements
Whenever a D&B Direct data or report product request returns a single D-U-N-S Number, several business elements pertaining to that company will be included with the results.
These elements include D-U-N-S Number*, Organization Name, Primary Address** (including street, city, state, postal code, country), Mailing Address** (including street, city, state, postal code, county), Telephone Number, Fax Number, Trade Styles (up to five), Family Tree Role (HQ, branch), a Standalone Organization Indicator(true/false) and the PortfolioAssetID***.
All standard elements (with the exception of Family Tree Role and PortfolioAssetID) may be referenced by the Monitoring process.
* The D-U-N-S Number of the organization referenced in the results. In the case of a trade up, this will be the headquarters D-U-N-S Number.
** Addresses are returned as they are recieved by D&B and therefore may not conform to local postal formatting specifications.
*** This is an identification number that can be used to retrieve a given results package at a later date from the Product Request Archive (if/when that feature is enabled in a request).
| Name | Description |
|---|---|
| D-U-N-S Number | The D-U-N-S Number is D&B's identification number, which provides unique identification of this organization, in accordance with the Data Universal Numbering System (D-U-N-S). This DUNS Number represents the business entity. |
| Country Code | The two-letter country code, defined by the International Organization for Standardization (ISO) ISO 3166-1 scheme identifying the country of the business entity. |
| County Name | Text recording the name of the county in which the business is located. |
| Family Tree Member Role | Text recording of various parts that the Subject plays as a member of an ownership structured family tree. |
| FAX Number | The FAX number of the business. |
| FAX Number International Dialing Code | The FAX number international dialing code of the business. |
| Mailing Country Code | The two-letter country code, defined by the International Organization for Standardization (ISO) ISO 3166-1 scheme identifying the country which the business uses for mailing purposes. |
| Mailing County Name | Text recording the name of the county which the business uses for mailing purposes. |
| Mailing Postal Code | An identifier used by the local country Postal Authority which the business uses for mailing purposes. |
| Mailing Street | Text recording an address which is mainly utilized for the purpose of mail delivery to the business. This usually includes a Post Office Box number or similar mailing details. |
| Mailing Street (2) | Text recording an address which is mainly utilized for the purpose of mail delivery to the business. This usually includes a Post Office Box number or similar mailing details. |
| Mailing Territory Abbreviation | Text recording the shortened name of the locally governed area which forms part of a centrally governed nation which the business uses for mailing purposes. |
| Mailing Territory Name | Text recording the name of the locally governed area which forms part of a centrally governed nation which the business uses for mailing purposes. |
| Mailing Town Name | The address number, or post office box number, and street name which a business uses for mailing purposes. |
| Postal Code | An identifier used by the local country Postal Authority to identify where the business is located. |
| Primary Business Name | Text recording of a single name by which the organization is primarily known or identified. |
| Standalone Organization Indicator | When true indicates that this organization is not a member of a legal family tree. The Subject has no Parent Company, no subsidiaries or no branch/division locations. |
| Street Address | Text recording the address number, or post office box number and street name where the business is located. |
| Street Address (2) | Text recording the address number, or post office box number and street name where the business is located. |
| Telephone Number | The telephone number of the business. |
| Telephone Number International Dialing Code | The telephone number international dialing code of the business. |
| Territory Abbreviated Name | Text recording the shortened name of the locally governed area which forms part of a centrally governed nation to identify where the business is located. |
| Territory Name | Text recording the name of the locally governed area which forms part of a centrally governed nation to identify where the business is located. |
| Town Name | Text recording the name of a city, town, township, village, borough, etc. where the business is located. |
| Trade Style Name | Text recording the name which an organization trades under for commercial purposes although its registered legal name used for contracts and other formal situations may be another name. |
Product Notes
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.
The Ds&B Total Loss Predictor score will predict a business’s intent or willingness to not pay other commercial businesses (business to business dealings), which affects financial institutions and other industries that extend trade credit. The score calculation makes use of historical search patterns from a search database along with other high-risk identifiers and proprietary data to produce a score that can be used to discriminate between fraudulent and legitimate credit seeking payment behavior.
The following table is a list of possible values for the Reason Code business elements mentioned in the preceding table.
| Commentary Text | Code |
|---|---|
| Address identified as a consumer address | 26176 |
| Address information on file differs from external sources | 26175 |
| Number of retail Inquiries | 26182 |
| Business information is not confirmed by available external sources | 26179 |
| Some firmographic data differs from available external data sources | 26205 |
| Dollar amount of suits, liens, or judgements | 26215 |
| Evidence of negative trade | 26092 |
| Higher risk industry based on delinquency rates for this industry | 26090 |
| Higher risk industry based on risk rates for this industry | 26214 |
| Higher risk region based on delinquency rate for this region | 26086 |
| Limited or no enquiries | 26211 |
| Limited time under present management control | 19812 |
| No Payment Experiences reported | 26094 |
| Limited number of payment experiences reported | 26153 |
| Physical address has incorrect or missing information | 26210 |
| Proportion of recent past due balances reported | 26209 |
| Proportion of past due balances to total amount owing | 26173 |
| Proportion of recent slow payment experiences reported | 26212 |
| Proportion of retail enquiries | 26208 |
| Proportion of slow payment balances reported | 26207 |
| Proportion of slow payment experiences to total number of payment experiences reported | 26172 |
| Recent slow payment reported | 26206 |
| Reported high credit amount | 26204 |
| Indications of Business Deterioration or high risk | 26394 |
| Unable to confirm active operations | 26395 |
| Operating Status - Out of Business | 1881 |
| Indication of open bankruptcy | 26396 |
| Self Requested Duns | 26398 |
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