D&B Triple Play
| Product(s) | D&B Direct 2.0 |
| Product Code(s) | TP_STD, TP_ENH, TP_PREM |
| Level(s) | Standard, Enhanced, Premium |
| Monitoring Available | Yes |
| Interface | REST |
| Method | GET |
| Format(s) | JSON |
| Service | Assessment |
| Version | 5.0 |
| 5.0 Released On | January 23, 2015 |
D&B Triple Play is a segmentation score that combines the values of three standard D&B scores (D&B Commercial Credit Score [also known as the D&B Delinquency Predictor], D&B Total Loss Predictor and D&B Viability Rating) in order to establish a more complete view of customer risk. Customer studies have shown that the combined power of the triple play significantly outperforms any of the three scores individually.
The Standard packet is intended for general pre-qualification and basic work flow set up.
The Enhanced packet allows the creation of action-driven rules based on the cluster strings.
The Premium packet provides access to the raw values and classes for each of the three scores that could be combined (possibly with additional data or logic) to derive an ‘optimized’ composite risk score.
See the Predictive Analytics page for more information on Dun & Bradstreet's risk scores.
Update History
- October 11, 2024 (ALL SOAP & REST): Financial statements data improvements in overview elements for Myanmar, Cambodia, Laos, Brunei and Vietnam markets.
- October 11, 2024 (ALL SOAP & REST): Updated Primary Address (Territory and Country) mapping for Russia market.
- August 18, 2017 (v5.0 SOAP & REST): Updated monitoring paths in response elements specification.
- January 23, 2015 (v5.0 SOAP & REST): Addition of three new D&B Triple Play score products.
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 "Predictive Payment Risk - D&B Commercial Credit Score (CCS) v7/v8/v9" 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
http://direct.dnb.com/V5.0/organizations/001004972/products/TP_STD?ApplicationTransactionId=customrest&ArchiveProductOptOutIndicator=false
http://direct.dnb.com/V5.0/organizations/001004972/products/TP_ENH?ApplicationTransactionId=customrest&ArchiveProductOptOutIndicator=false
http://direct.dnb.com/V5.0/organizations/001004972/products/TP_PREM?ApplicationTransactionId=customrest&ArchiveProductOptOutIndicator=false
| Name | Characteristics |
|---|---|
| {version} | Element |
| ApplicationTransactionID | string, up to 64 chars, Optional A number assigned by the calling application to uniquely identify this request. |
| 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. |
| 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. |
| {DUNS} | string, up to 15 chars Pattern: {([0-9a-zA-Z]*)}, Required 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). |
| 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. |
| {productID} | string, Required An alphanumeric string that uniquely identifies the product being requested. |
| 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] |
| 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] |
| 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 |
| 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 |
| 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 |
| CustomerReferenceText-n | 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. |
| 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. |
Endpoint
Use the following endpoint for requesting this product. The {version} is dependent on the underlying service delivering the product.
NOTE: While "organizations" is part of this endpoint, there is no service by this name. Many D&B Direct calls have a similar structure; however, the {version} component is based on the SERVICE to which a given product is associated.
| REST (Assessment) |
|---|
| GET https://direct.dnb.com/V{version}/organizations/{DUNS}/products/{productID} |
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.
| Product | D-U-N-S Number (Country Code) |
|---|---|
| Predictive Payment Risk - D&B Commercial Credit Score (CCS) | 804735132 (US); 362241452 (US) |
| D&B Total Loss Predictor | 804735132 (US); 362241452 (US) |
| D&B Viability Rating | 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.
NOTE: The D&B Direct REST implementation uses the BadgerFish approach for JSON with some minor variations.
Specification
The following is a list of the possible data fields returned by this operation in the JSON 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.
{"OrderProductResponse": {
"@ServiceVersionNumber": "5.0",
"TransactionDetail": {
"ApplicationTransactionID": "customrest",
"ServiceTransactionID": "Id-9496ca54e02a0100131202003093ab9e-2",
"TransactionTimestamp": "2015-01-29T15:22:46.673-05:00"
},
"TransactionResult": {
"SeverityText": "Information",
"ResultID": "CM000",
"ResultText": "Success"
},
"OrderProductResponseDetail": {
"InquiryDetail": {
"DUNSNumber": "001004972",
"CountryISOAlpha2Code": "US"
},
"Product": {
"DNBProductID": "TP_STD",
"Organization": {
"SubjectHeader": {"DUNSNumber": "001004972"},
"Telecommunication": {"TelephoneNumber": [ {
"TelecommunicationNumber": "(724) 776-0033",
"InternationalDialingCode": "1"
}]},
"Location": {
"PrimaryAddress": [ {
"StreetAddressLine": [{"LineText": "8001 Rowan Rd Ste 209"}],
"PrimaryTownName": "Cranberry Township",
"CountryISOAlpha2Code": "US",
"TerritoryAbbreviatedName": "PA",
"PostalCode": "16066",
"CountyOfficialName": "BUTLER",
"TerritoryOfficialName": "Pennsylvania"
}],
"MailingAddress": [{"CountryISOAlpha2Code": "US"}]
},
"OrganizationName": {"OrganizationPrimaryName": [{"OrganizationName": {"$": "Tenos Real Estate"}}]},
"OrganizationDetail": {"StandaloneOrganizationIndicator": true},
"Assessment": {"TriplePlayScore": {"CompositeRiskScore": 7}}
},
"ArchiveDetail": {"PortfolioAssetID": 67413371}
}
}
}}
{"OrderProductResponse": {
"@ServiceVersionNumber": "5.0",
"TransactionDetail": {
"ApplicationTransactionID": "customrest",
"ServiceTransactionID": "Id-ed96ca54f52a010013120200a40bdf87-2",
"TransactionTimestamp": "2015-01-29T15:24:14.785-05:00"
},
"TransactionResult": {
"SeverityText": "Information",
"ResultID": "CM000",
"ResultText": "Success"
},
"OrderProductResponseDetail": {
"InquiryDetail": {
"DUNSNumber": "001004972",
"CountryISOAlpha2Code": "US"
},
"Product": {
"DNBProductID": "TP_ENH",
"Organization": {
"SubjectHeader": {"DUNSNumber": "001004972"},
"Telecommunication": {"TelephoneNumber": [ {
"TelecommunicationNumber": "(724) 776-0033",
"InternationalDialingCode": "1"
}]},
"Location": {
"PrimaryAddress": [ {
"StreetAddressLine": [{"LineText": "8001 Rowan Rd Ste 209"}],
"PrimaryTownName": "Cranberry Township",
"CountryISOAlpha2Code": "US",
"TerritoryAbbreviatedName": "PA",
"PostalCode": "16066",
"CountyOfficialName": "BUTLER",
"TerritoryOfficialName": "Pennsylvania"
}],
"MailingAddress": [{"CountryISOAlpha2Code": "US"}]
},
"OrganizationName": {"OrganizationPrimaryName": [{"OrganizationName": {"$": "Tenos Real Estate"}}]},
"OrganizationDetail": {"StandaloneOrganizationIndicator": true},
"Assessment": {"TriplePlayScore": {
"ViabilityRatingBandValue": 0,
"TotalLossPredictorBandValue": 1,
"DelinquencyScoreBandValue": 1,
"ClusterValue": "011",
"SegmentValue": 3,
"SegmentDescription": "\"Here today\" - Viability Rating is in the High Risk category"
}}
},
"ArchiveDetail": {"PortfolioAssetID": 67413372}
}
}
}}
{"OrderProductResponse": {
"@ServiceVersionNumber": "5.0",
"TransactionDetail": {
"ApplicationTransactionID": "customrest",
"ServiceTransactionID": "Id-9a97ca54192b01001312020099b19b36-2",
"TransactionTimestamp": "2015-01-29T15:27:07.813-05:00"
},
"TransactionResult": {
"SeverityText": "Information",
"ResultID": "CM000",
"ResultText": "Success"
},
"OrderProductResponseDetail": {
"InquiryDetail": {
"DUNSNumber": "001004972",
"CountryISOAlpha2Code": "US"
},
"Product": {
"DNBProductID": "TP_PREM",
"Organization": {
"SubjectHeader": {"DUNSNumber": "001004972"},
"Telecommunication": {"TelephoneNumber": [ {
"TelecommunicationNumber": "(724) 776-0033",
"InternationalDialingCode": "1"
}]},
"Location": {"PrimaryAddress": [ {
"StreetAddressLine": [{"LineText": "8001 Rowan Rd Ste 209"}],
"PrimaryTownName": "Cranberry Township",
"CountryISOAlpha2Code": "US",
"TerritoryAbbreviatedName": "PA",
"PostalCode": "16066",
"CountyOfficialName": "BUTLER",
"TerritoryOfficialName": "Pennsylvania"
}]},
"OrganizationName": {"OrganizationPrimaryName": [{"OrganizationName": {"$": "Tenos Real Estate"}}]},
"OrganizationDetail": {
"StandaloneOrganizationIndicator": true,
"ControlOwnershipDate": {"$": "2006"},
"OrganizationStartYear": "2006"
},
"ActivitiesAndOperations": {"LineOfBusinessDetails": [{"LineOfBusinessDescription": {"$": "Real estate agent/manager"}}]},
"EmployeeFigures": {"ConsolidatedEmployeeDetails": {"TotalEmployeeQuantity": 2}},
"Assessment": {
"DNBViabilityRating": {
"DNBViabilityRating": "68EQ",
"ViabilityScore": {
"RiskLevelDescription": {
"@DNBCodeValue": 13695,
"$": "Moderate"
},
"BadRate": 13,
"ClassScoreIncidencePercentage": 30,
"OverallBadRate": 14
},
"PortfolioComparisonScore": {
"ClassScore": 8,
"RiskLevelDescription": {
"@DNBCodeValue": 13702,
"$": "High"
},
"BadRate": 17,
"ClassScoreIncidencePercentage": 15,
"ModelSegmentDescription": {
"@DNBCodeValue": 26236,
"$": "Limited Trade Payments"
},
"SegmentBadRate": 11
},
"DataDepthDetail": {"AssessmentText": [
"Rich Firmographics",
"Sparse Commercial Trading Activity",
"No Financial Attributes"
]},
"OrganizationProfileDetail": {
"FinancialDataAvailableIndicator": false,
"TradeDataAvailabilityDetail": {
"TradeDataAvailableIndicator": true,
"AssessmentText": ["Available: 1-2 Trade"]
},
"OrganizationSizeDetail": {
"OrganizationSizeCategoryText": "Small",
"AssessmentText": ["Small: Employees: <10 and Sales: <$10K or Missing"]
},
"YearsInBusinessDetail": {
"YearsInBusinessCategoryText": "Established",
"AssessmentText": ["Established: 5+"]
}
}
},
"CommercialCreditScore": [ {
"RawScore": 487,
"ClassScore": "3",
"ClassScoreDescription": "AVERAGE RISK",
"NationalPercentile": 37
}],
"AssessmentSummaryText": ["No payment experiences reported Limited time under present management control Higher risk industry based on delinquency rates for this industry Higher risk region based on delinquency rates for this region"],
"TotalLossPredictorScore": {
"RawScore": 2580,
"ClassScore": "05",
"RiskIncidencePercentage": 1.3,
"ScoreCommentary": [
{"CommentaryText": {
"@DNBCodeValue": 26153,
"$": "Limited number of payment experiences reported"
}},
{"CommentaryText": {
"@DNBCodeValue": 26086,
"$": "Higher risk region based on delinquency rates for this region"
}},
{"CommentaryText": {
"@DNBCodeValue": 19812,
"$": "Limited time under present management control"
}}
]
}
},
"PrincipalsAndManagement": {"MostSeniorPrincipal": {"PrincipalName": {
"@type": "ass:IndividualNameType",
"FullName": "George Tenos, Owner"
}}}
},
"ArchiveDetail": {"PortfolioAssetID": 67413374}
}
}
}}
| STD | ENH | PREM | Name | Characteristics |
|---|---|---|---|---|
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { SubjectHeader { DUNSNumber | Element, Optional, [M] Records information necessary to process this request. Monitor Path: //Organization /SubjectHeader /DUNSNumber |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { StreetAddressLine { LineText | Element, string, up to 64 chars., Optional A number assigned by the calling application to uniquely identify this request. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { PrimaryTownName | Element, 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. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { CountryISOAlpha2Code | Element, string, up to 64 chars., Optional, [M+] 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. Monitor Path: //Organization /Location /PrimaryAddress |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { PostalCode | Element, 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. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { TerritoryOfficialName | Element, 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. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { TerritoryAbbreviatedName | Element, 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). |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { PrimaryAddress { CountyOfficialName | Element, string, up to 15 chars., Optional A number uniquely identifying the inquired subject within the D&B Worldwide Network. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { MailingAddress { PrimaryTownName | Element, string, at least 2 chars. up to 2 chars., Optional, [M+] The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO)identifying the country of the inquired subject. Monitor Path: //Organization /Location /MailingAddress |
| Y | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { MailingAddress { CountryISOAlpha2Code | Element, Optional (Array) An entry loop which can repeat multiple times to allow the recording of several different identifiers issued by organizations to uniquely identify the principal. The issuing organization may be a Registration Authority, Government Department or Commercial Enterprise, e.g., the Social Security Administration department. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Location { MailingAddress { PostalCode | Element, string, Optional, [M+] A number assigned by an external body or by D&B which either uniquely identifies or helps to identify an individual. Monitor Path: //Organization /Location /MailingAddress |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Telecommunication { TelephoneNumber | Aggregate, Optional Records the identifier issued by organizations to uniquely identify subjects. The issuing organization may be a Registration Authority, Government Department or Commercial Enterprise, e.g., Chamber of Commerce numbers, VAT numbers, etc. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Telecommunication { TelephoneNumber { TelecommunicationNumber | Element, string, at least 1 chars. up to 40 chars., Required, [M+] A number assigned by an external body or by D&B which either uniquely identifies or helps to identify an organization. NOTE: This number does not include the International Dialing Code and Domestic Dialing Code. NOTE: Data provided is formatted as per national conventions for each country Monitor Path: //Organization /Telecommunication |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Telecommunication { TelephoneNumber { InternationalDialingCode | Element, Optional, [M+] Monitor Path: //Organization /Telecommunication |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Telecommunication { FacsimileNumber | Aggregate, string, up to 240 chars., Required The name of the candidate subject recorded on the filing document that is filed with the registry. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Telecommunication { FacsimileNumber { TelecommunicationNumber | Element, Optional A sequence of digits used by the subject for voice communication in a public switched telephone network. This sequence of digits includes the area code or city code. NOTE: This number does not include the International Dialing Code and Domestic Dialing Code. NOTE: Data provided is formatted as per national conventions for each country |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Telecommunication { FacsimileNumber { InternationalDialingCode | Element, string, Optional (Array) A name of a locally governed area which forms part of a centrally governed nation.Clarification Note: As a guiding principle this is a geographic area which could theoretically exist as a separate nation. In the U.S. this would be a State. In the UK this would be one of the Home Nations. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Events { LegalEvents | Aggregate, string, at least 2 chars. up to 2 chars., Required The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO), identifying the country for this address. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Events { LegalEvents { BankruptcyIndicator | Element, Optional (Array), [M] Monitor Path: //Organization /Events /LegalEvents /BankruptcyIndicator |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Events { SignificantEvents { SpecialEvent { EventDate | Element, integer,eger up to 7 digits., Required, [M+] A code value that indicates the type of public filing. Monitor Path: //Organization /Events /SignificantEvents /SpecialEvent |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Financial { KeyFinancialFiguresOverview { StatementHeaderDetails | Aggregate, string, Optional (Array) A code value that indicates the role played by a business within a filing type. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Financial { KeyFinancialFiguresOverview { StatementHeaderDetails { FinancialPeriodDuration | Element, date, Optional, [M] The commencement date of a date range provided in the request for searching public filings. Monitor Path: //Organization /Financial /KeyFinancialFiguresOverview /StatementHeaderDetails /FinancialPeriodDuration |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Financial { KeyFinancialFiguresOverview { StatementHeaderDetails { UnitOfSizeText | Element, date, Optional, [M] The end date of a date range provided in the request for searching public filings. Monitor Path: //Organization /Financial /KeyFinancialFiguresOverview /StatementHeaderDetails /UnitOfSizeText@DNBCodeValue |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Financial { KeyFinancialFiguresOverview { StatementHeaderDetails { FinancialStatementToDate | Attribute, Optional, [M] Records the business activity using standardized coding schemes such as European NACE and U.S. Standard Industry Classifications (SIC)for which the profile information is requested. Monitor Path: //Organization /Financial /KeyFinancialFiguresOverview /StatementHeaderDetails /FinancialStatementToDate |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Financial { KeyFinancialFiguresOverview { StatementHeaderDetails { CurrencyISOAlpha3Code | Element, string, up to 16 chars., Required, [M] An alphanumeric value identifying a business activity based on the scheme specified by the typeText. For instance, 1611 represents the highway and street construction industry in the U.S. SIC (Standard Industrial Classification) system.Clarification Note: These are generally external codes created by an external authoritative body, like the U.S. Office of Management and Budget (OMB), but D&B may have created extensions to more precisely define an activity, as in the case of the SIC 2+2 (the last 4 digits of an 8-digit SIC). Monitor Path: //Organization /Financial /KeyFinancialFiguresOverview /StatementHeaderDetails /CurrencyISOAlpha3Code |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Financial { KeyFinancialFiguresOverview { BalanceSheet { Liabilities { TotalEquityAmount | Element, Optional, [M] Records the components of a location for which the business activity profile information is requested. Monitor Path: //Organization /Financial /KeyFinancialFiguresOverview /BalanceSheet /Liabilities /TotalEquityAmount |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationName { OrganizationPrimaryName { OrganizationName | Element, Optional (Array), [M] An entry loop which can repeat multiple times to allow the recording of several lines where each address line contains one or more named address elements. Examples of named address elements are Street Name, Street Number, Building Name, Estate Name. They are called “lines” because an addres can be divided into multiple lines. When there are multiple lines the sequence of the lines must be preserved. Monitor Path: //Organization /OrganizationName /OrganizationPrimaryName@RegisteredNameIndicator /OrganizationName |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationName { TradeStyleName | Aggregate, string, up to 240 chars., Required Text that records the street address components as it would be presented on an address label. This includes, but is not limited to, details such as street name, street number, building name, estate name. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationName { TradeStyleName { OrganizationName | Element, integer, up to 3 digits., Optional, [M+] A number which may be used to define the order in which this street address line should be presented relative to other street address lines where the lower the number the earlier the data is presented. Monitor Path: //Organization /OrganizationName /TradeStyleName |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationName { DoNotConfuseOrganizationName | Aggregate, string, up to 64 chars., Optional The name of the town or city recognized by the Postal Authority for delivering mail. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { FamilyTreeMemberRole | Aggregate, string, at least 2 chars. up to 2 chars., Optional The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO), identifying the country for this address. |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { FamilyTreeMemberRole { FamilyTreeMemberRoleText | Element, string, up to 64 chars., Optional, [M+] Monitor Path: //Organization /OrganizationDetail /FamilyTreeMemberRole |
| N | N | Y | End: OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { FamilyTreeMemberRole | Aggregate, string, up to 32 chars., Optional |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { ControlOwnershipDate @DatePrecisionDNBCodeTableNumber | Attribute, string, up to 6 chars., Required Code represented in ISO 3166-2 scheme defining the name of a principal subdivision (e.g., province or state) of a country coded in ISO 3166-1; e.g., US-NJ represents the state New Jersey in United States, CA-ON represents the province Ontario in Canada.The first part is the ISO 3166-1 alpha-2 code of the country; The second part is a string of up to three alphanumeric characters, which is usually obtained from national sources and stems from coding systems already in use in the country concerned, but may also be developed by the ISO itself. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { OperatingStatusText @DNBCodeTableNumber | Attribute, string, up to 64 chars., Optional |
| Y | Y | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { StandaloneOrganizationIndicator | Element, string, up to 1 chars., Optional, [M] Monitor Path: //Organization /OrganizationDetail /StandaloneOrganizationIndicator |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { OrganizationDetail { OrganizationStartYear | Element, Optional, [M] Monitor Path: //Organization /OrganizationDetail /OrganizationStartYear |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { ActivitiesAndOperations { LineOfBusinessDetails { LineOfBusinessDescription | Element, Optional (Array), [M+] Monitor Path: //Organization /ActivitiesAndOperations /LineOfBusinessDetails |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { EmployeeFigures { HeadquartersLocationEmployeeDetails { TotalEmployeeQuantity | Element, Optional, [M] Records the name by which the principal is primarily identified. Monitor Path: //Organization /EmployeeFigures /HeadquartersLocationEmployeeDetails /TotalEmployeeQuantity |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { EmployeeFigures { ConsolidatedEmployeeDetails { TotalEmployeeQuantity | Element, Optional (Array), [M] An entry loop which can repeat multiple times to allow the recording of several different forms of address for the individual. Monitor Path: //Organization /EmployeeFigures /ConsolidatedEmployeeDetails /TotalEmployeeQuantity |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Linkage { ParentOrganization { DUNSNumber | Element, string, up to 16 chars., Optional, [M] Text defining the correct form of address for this individual. E.g., Dr, Professor, Lord. Monitor Path: //Organization /Linkage /ParentOrganization /DUNSNumber |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Linkage { ParentOrganization { Events { LegalEvents { BankruptcyInformation { Bankruptcy { RolePlayer { RolePlayerName | Element, integer, up to 3 digits., Optional, [M+] A number which may be used to define the order in which this Name Prefix should be presented relative to any other occurrences of Name Prefix where the lower the number the earlier the data is presented. Monitor Path: //Organization /Linkage /ParentOrganization /Events /LegalEvents /BankruptcyInformation /Bankruptcy |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Linkage { ParentOrganization { Events { LegalEvents { BankruptcyIndicator | Element, string, up to 64 chars., Optional, [M] The given name of the individual. If this is not known then an initial may be supplied. Monitor Path: //Organization /Linkage /ParentOrganization /Events /LegalEvents /BankruptcyIndicator |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { DNBViabilityRating | Element, string, up to 64 chars., Optional, [M] The portion of the individual's name (typically a personal name) placed after the first name and before the last name. Monitor Path: //Organization /Assessment /DNBViabilityRating /DNBViabilityRating |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { ViabilityScore { RiskLevelDescription@DNBCodeTableNumber | Attribute, string, up to 64 chars., Optional The portion of the individual's name usually presented at the end used to identify the members of a family. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { ViabilityScore { BadRate | Element, string, up to 64 chars., Optional, [M] The portion of the individual's name used to identify the members of a family and is based on the surname of his/her father. Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /BadRate |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { ViabilityScore { ClassScoreIncidencePercentage | Element, string, up to 64 chars., Optional, [M] The portion of the individual's name used to identify the members of a family and is based on the surname of his/her mother. Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /ClassScoreIncidencePercentage |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { ViabilityScore { OverallBadRate | Element, string, up to 256 chars., Optional, [M] The entire name of the subject where the subject is either an individual or an organization. Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /OverallBadRate |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore | Aggregate, Optional (Array) An entry loop which can repeat multiple times to allow the recording of several different individual name suffixes. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore { ClassScore | Element, string, up to 16 chars., Optional, [M] Text representing either a familial suffix to the person's name (e.g., Senior, Junior, III. ) or a professional/qualification suffix to the person's name (e.g., MD, FRICS, PhD etc.) or some other suffix to the person's name (e.g., Baronet, Retired.). Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /ClassScore |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore { RiskLevelDescription@DNBCodeTableNumber | Attribute, integer, up to 3 digits., Optional A number which may be used to define the order in which this Name Suffix should be presented relative to any other occurrences of Name Suffix where the lower the number the earlier the data is presented. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore { BadRate | Element, string, up to 256 chars., Optional, [M] Text identifying the type of suffix present in Name Suffix Text, e.g., Generational Suffix, Professional Suffix. Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /BadRate |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore { ClassScoreIncidencePercentage | Element, Optional, [M] Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /ClassScoreIncidencePercentage |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore { ModelSegmentDescription@DNBCodeTableNumber | Attribute, Optional (Array) An entry loop which can repeat multiple times to allow the recording of several different forms of address for the individual. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { PortfolioComparisonScore { SegmentBadRate | Element, string, up to 16 chars., Optional, [M] Text defining the correct form of address for this individual. E.g., Dr, Professor, Lord. Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /SegmentBadRate |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { DataDepthDetail { AssessmentText | Element, integer, up to 3 digits., Optional, [M] A number which may be used to define the order in which this Name Prefix should be presented relative to any other occurrences of Name Prefix where the lower the number the earlier the data is presented. Monitor Path: //Organization /Assessment /DNBViabilityRating /DataDepthDetail /AssessmentText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { FinancialDataAvailableIndicator | Element, string, up to 64 chars., Optional, [M] The given name of the individual. If this is not known then an initial may be supplied. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /FinancialDataAvailableIndicator |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { TradeDataAvailabilityDetail | Aggregate, string, up to 64 chars., Optional The portion of the individual's name (typically a personal name) placed after the first name and before the last name. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { TradeDataAvailabilityDetail { TradeDataAvailableIndicator | Element, string, up to 64 chars., Optional, [M] The portion of the individual's name usually presented at the end used to identify the members of a family. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /TradeDataAvailabilityDetail /TradeDataAvailableIndicator |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { TradeDataAvailabilityDetail { AssessmentText | Element, string, up to 64 chars., Optional, [M] The portion of the individual's name used to identify the members of a family and is based on the surname of his/her father. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /TradeDataAvailabilityDetail /AssessmentText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { OrganizationSizeDetail | Aggregate, string, up to 64 chars., Optional The portion of the individual's name used to identify the members of a family and is based on the surname of his/her mother. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { OrganizationSizeDetail { OrganizationSizeCategoryText | Element, string, up to 256 chars., Optional, [M] The entire name of the subject where the subject is either an individual or an organization. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /OrganizationSizeDetail /OrganizationSizeCategoryText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { OrganizationSizeDetail { AssessmentText | Element, Optional (Array), [M] An entry loop which can repeat multiple times to allow the recording of several different individual name suffixes. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /OrganizationSizeDetail /AssessmentText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { YearsInBusinessDetail | Aggregate, string, up to 16 chars., Optional Text representing either a familial suffix to the person's name (e.g., Senior, Junior, III. ) or a professional/qualification suffix to the person's name (e.g., MD, FRICS, PhD etc.) or some other suffix to the person's name (e.g., Baronet, Retired.). |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { YearsInBusinessDetail { YearsInBusinessCategoryText | Element, integer, up to 3 digits., Optional, [M] A number which may be used to define the order in which this Name Suffix should be presented relative to any other occurrences of Name Suffix where the lower the number the earlier the data is presented. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /YearsInBusinessDetail /YearsInBusinessCategoryText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { DNBViabilityRating { OrganizationProfileDetail { YearsInBusinessDetail { AssessmentText | Element, string, up to 256 chars., Optional, [M] Text identifying the type of suffix present in Name Suffix Text, e.g., Generational Suffix, Professional Suffix. Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /YearsInBusinessDetail /AssessmentText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { CommercialCreditScore { RawScore | Element, Optional, [M] Monitor Path: //Organization /Assessment /CommercialCreditScore /RawScore |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { CommercialCreditScore { ClassScore | Element, Optional (Array), [M] An entry loop which can repeat multiple times to allow the recording of several lines where each address line contains one or more named address elements. Examples of named address elements are Street Name, Street Number, Building Name, Estate Name. They are called “lines” because an addres can be divided into multiple lines. When there are multiple lines the sequence of the lines must be preserved. Monitor Path: //Organization /Assessment /CommercialCreditScore /ClassScore |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { CommercialCreditScore { ClassScoreDescription | Element, string, up to 240 chars., Required, [M] Text that records the street address components as it would be presented on an address label. This includes, but is not limited to, details such as street name, street number, building name, estate name. Monitor Path: //Organization /Assessment /CommercialCreditScore /ClassScoreDescription |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { CommercialCreditScore { NationalPercentile | Element, integer, up to 3 digits., Optional, [M] A number which may be used to define the order in which this street address line should be presented relative to other street address lines where the lower the number the earlier the data is presented. Monitor Path: //Organization /Assessment /CommercialCreditScore /NationalPercentile |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TotalLossPredictorScore { RawScore | Element, string, up to 64 chars., Optional The name of the town or city recognized by the Postal Authority for delivering mail. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TotalLossPredictorScore { ClassScore | Element, string, at least 2 chars. up to 2 chars., Optional The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO), identifying the country for this address. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TotalLossPredictorScore { RiskIncidencePercentage | Element, string, up to 64 chars., Optional |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TotalLossPredictorScore { ScoreCommentary { CommentaryText | Element, string, up to 32 chars., Optional |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TotalLossPredictorScore { ScoreOverrideReason { ScoreOverrideReasonText | Element, string, up to 6 chars., Required Code represented in ISO 3166-2 scheme defining the name of a principal subdivision (e.g., province or state) of a country coded in ISO 3166-1; e.g., US-NJ represents the state New Jersey in United States, CA-ON represents the province Ontario in Canada.The first part is the ISO 3166-1 alpha-2 code of the country; The second part is a string of up to three alphanumeric characters, which is usually obtained from national sources and stems from coding systems already in use in the country concerned, but may also be developed by the ISO itself. |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore | Aggregate, string, up to 64 chars., Optional |
| Y | N | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { CompositeRiskScore | Element, string, up to 1 chars., Optional, [M+] Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { ViabilityRatingBandValue | Element, Optional, [M+] Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { TotalLossPredictorBandValue | Element, Optional, [M+] Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { DelinquencyScoreBandValue | Element, Optional (Array), [M+] An entry loop which can repeat multiple times to allow the recording of several lines where each address line contains one or more named address elements. Examples of named address elements are Street Name, Street Number, Building Name, Estate Name. They are called “lines” because an addres can be divided into multiple lines. When there are multiple lines the sequence of the lines must be preserved. Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { ClusterValue | Element, string, up to 240 chars., Required, [M+] Text that records the street address components as it would be presented on an address label. This includes, but is not limited to, details such as street name, street number, building name, estate name. Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { SegmentValue | Element, integer, up to 3 digits., Optional, [M+] A number which may be used to define the order in which this street address line should be presented relative to other street address lines where the lower the number the earlier the data is presented. Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore { SegmentDescription | Element, string, up to 64 chars., Optional, [M+] The name of the town or city recognized by the Postal Authority for delivering mail. Monitor Path: //Organization /Assessment /TriplePlayScore |
| N | Y | N | End: OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { TriplePlayScore | Aggregate, string, at least 2 chars. up to 2 chars., Optional The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO), identifying the country for this address. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { Assessment { AssessmentSummaryText | Element, string, up to 64 chars., Optional, [M] Monitor Path: //Organization /Assessment /AssessmentSummaryText |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { BusinessTrading { TradeDataUnavailabilityIndicator | Element, string, up to 32 chars., Optional, [M] Monitor Path: //Organization /BusinessTrading /TradeDataUnavailabilityIndicator |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { BusinessTrading { Purchaser { PurchaserDerivedData { TwentyFourMonthsDataCoveragePayments { PaymentPeriodSummary { PaymentsWithHighCredit { AverageHighCreditAmount | Element, string, up to 6 chars., Required Code represented in ISO 3166-2 scheme defining the name of a principal subdivision (e.g., province or state) of a country coded in ISO 3166-1; e.g., US-NJ represents the state New Jersey in United States, CA-ON represents the province Ontario in Canada.The first part is the ISO 3166-1 alpha-2 code of the country; The second part is a string of up to three alphanumeric characters, which is usually obtained from national sources and stems from coding systems already in use in the country concerned, but may also be developed by the ISO itself. |
| N | N | Y | OrderProductResponse { OrderProductResponseDetail { Product { Organization { PrincipalsAndManagement { MostSeniorPrincipal { Position { PositionText | Element, string, up to 64 chars., Optional, [M+] An entry loop which can allow multiple Internet URLs used for online information and communication with the subject. Monitor Path: //Organization /PrincipalsAndManagement /MostSeniorPrincipal |
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').
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.
| STD | ENH | PREM | Name | Description |
|---|---|---|---|---|
| Y | Average High Credit Amount - 24 Months | A monetary figure specifying the average high credit is determined by dividing the total dollar amount by the number of experiences in file for the last 24 months. PCM XPath: //Organization/ BusinessTrading/ Purchaser/ PurchaserDerivedData/ TwentyFourMonthsDataCoveragePayments/ PaymentPeriodSummary/ PaymentsWithHighCredit/ AverageHighCreditAmount | ||
| Y | Bankruptcy Indicator | When 'true' indicates that bankruptcy information irrespective of its status (e.g., open, closed) is recorded in the D&B database for this subject. PCM XPath: //Organization/ Events/ LegalEvents/ BankruptcyIndicator | ||
| Y | Business Commentary Text | Text that records a brief statement of the subject company's assessment PCM XPath: //Organization/ Assessment/ AssessmentSummaryText | ||
| Y | Commercial Credit Class Score | A one digit number from 0 to 5 based on the information D&B's file. It indicates the risk of delinquent payments over the next 12 months. PCM XPath: //Organization/ Assessment/ CommercialCreditScore/ ClassScore | ||
| Y | Commercial Credit Raw Score | A numeric value that predicts the likelihood that the organization will pay its bills in a severely delinquent manner (90+ days overdue) over the next 12 months PCM XPath: //Organization/ Assessment/ CommercialCreditScore/ RawScore | ||
| Y | Commercial Credit Score Class Description | Text that describes the credit risk numeric score. It is a translation of the risk of delinquency over the next 12 months. PCM XPath: //Organization/ Assessment/ CommercialCreditScore/ ClassScoreDescription | ||
| Y | Commercial Credit Score National Percentage | A number that identifies where this organization's Commercial Credit score falls relative to the scores of other businesses. As an example, if the percentile here is 10, it means that this organization's score is the same as or better than 10% of the busi PCM XPath: //Organization/ Assessment/ CommercialCreditScore/ NationalPercentile | ||
| Y | Employee Quantity (All Locations) | A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations. PCM XPath: //Organization/ EmployeeFigures/ ConsolidatedEmployeeDetails/ TotalEmployeeQuantity | ||
| Y | Employee Quantity (Headquarter Location) | A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations at the subject's headquarter location. PCM XPath: //Organization/ EmployeeFigures/ HeadquartersLocationEmployeeDetails/ TotalEmployeeQuantity | ||
| Y | Line of Business | Text that records the description of operations continued by a business. PCM XPath: //Organization/ ActivitiesAndOperations/ LineOfBusinessDetails/ LineOfBusinessDescription | ||
| Y | Most Senior Principal Position | Text recording the title of the primary executive. PCM XPath: //Organization/ PrincipalsAndManagement/ MostSeniorPrincipal/ Position/ PositionText | ||
| Y | Organization Start Year | The year when operations undertaken by the organization commenced. PCM XPath: //Organization/ OrganizationDetail/ OrganizationStartYear | ||
| Y | Parent Bankruptcy Business Name | Text recording the name of the parent Organization, as reported in bankruptcy proceedings. PCM XPath: //Organization/ Linkage/ ParentOrganization/ Events/ LegalEvents/ BankruptcyInformation/ Bankruptcy/ RolePlayer/ RolePlayerName | ||
| Y | Parent Bankruptcy D-U-N-S Number | The D-U-N-S Number of the company specified as the parent Organization, as reported in bankruptcy proceedings. PCM XPath: //Organization/ Linkage/ ParentOrganization/ DUNSNumber | ||
| Y | Parent Bankruptcy Indicator | When 'true' indicates that bankruptcy information irrespective of its status (e.g., open, closed) is recorded in the D&B database for the parent company of this subject. PCM XPath: //Organization/ Linkage/ ParentOrganization/ Events/ LegalEvents/ BankruptcyIndicator | ||
| Y | Portfolio Comparison Class Score | A numeric value that denotes the probability that an organization will no longer be a viable business in the next 12 months in comparison to all organizations within the same geography. The score ranges in values from 0 - 9 where the range 1 to 9 reflects PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ ClassScore | ||
| Y | Portfolio Comparison Class Score Incidence Percentage | Percentage of all businesses in D&B's database with the same Portfolio Comparison Class Score PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ ClassScoreIncidencePercentage | ||
| Y | Portfolio Comparison Score Bad Rate | The percentage of organizations with the same Portfolio Comparison Class score that can become inoperable. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ BadRate | ||
| Y | Special Event Date | The date when the special event took place. PCM XPath: //Organization/ Events/ SignificantEvents/ SpecialEvent/ EventDate | ||
| Y | 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 | ||
| Y | 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 | ||
| Y | 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 | ||
| Y | 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 | ||
| Y | 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 | ||
| Y | Trade Experience Data Unavailable Indicator | When 'true' indicates that there are no trade experiences in the D&B files for this business. PCM XPath: //Organization/ BusinessTrading/ TradeDataUnavailabilityIndicator | ||
| Y | Triple Play Cluster Value | A numeric value that classifies the subject company into a broader performance or risk groups based on ViabilityPortfolioScoreBandValue, TotalLossPredictorBandValue and DelinquencyScoreBandValue. The values are concatenation of the band values Triple Play Viability Rating Band Value, the Triple Play Total Loss Predictor Band Value and the Triple Play Delinquency Score Band Value PCM XPath: //Organization/ Assessment/ TriplePlayScore/ ClusterValue | ||
| Y | Triple Play Composite Risk Score | A numeric value from 0 to 9 that predicts overall risk of doing business with the subject company based on payment delinquency, company never paying and company ceasing operations. A value of 0 denotes lower risk and value 9 denotes higher risk. PCM XPath: //Organization/ Assessment/ TriplePlayScore/ CompositeRiskScore | ||
| Y | Triple Play Delinquency Score Band Value | A numeric value from 0 to 2 that classifies the subject company into a risk group based on the likelihood that the organization pays its payment in severly delinquent manner. A value of 0 denotes low risk, 1 denotes average risk and 2 denotes high risk. PCM XPath: //Organization/ Assessment/ TriplePlayScore/ DelinquencyScoreBandValue | ||
| Y | Triple Play Segment Description | Text that describes the SegmentValue. For example SegmentValue 1 denotes “very low risk" where all 3 scores are in the “low risk” category and SegmentValue 5 denotes “very high risk” where all 3 scores are in the “high risk” category. This should be present only when the Triple Play SegmentValue is present. PCM XPath: //Organization/ Assessment/ TriplePlayScore/ SegmentDescription | ||
| Y | Triple Play Segment Value | A numeric value from 1 to 5 that classifies the subject company into the larger performance or risk groups based on the ClusterValue. A value of 1 denotes lower risk and value 5 denotes higher risk. PCM XPath: //Organization/ Assessment/ TriplePlayScore/ SegmentValue | ||
| Y | Triple Play Total Loss Predictor Band Value | A numeric value from 0 to 2 that classifies the subject company into a risk group based on the likelihood that the organization will never pay or willing to pay its first payment. A value of 0 denotes low risk, 1 denotes average risk and 2 denotes high risk. PCM XPath: //Organization/ Assessment/ TriplePlayScore/ TotalLossPredictorBandValue | ||
| Y | Triple Play Viability Rating Band Value | A numeric value from 0 to 2 that classifies the subject company into a risk group based on the probability that an organization going out of business or becoming inactive compared to other businesses in the same model segment. A value of 0 denotes low risk, 1 denotes average risk and 2 denotes high risk. PCM XPath: //Organization/ Assessment/ TriplePlayScore/ ViabilityRatingBandValue | ||
| Y | Viability Class Score Incidence Percentage | Percentage of all businesses in D&B's database with the same Viability Class Score. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ ClassScoreIncidencePercentage | ||
| Y | Viability Rating | The rating which assesses the probability that an organization will no longer be a viable business within the next 12 months. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ DNBViabilityRating | ||
| Y | Viability Rating Data Depth Detail Assessment Text | Text that describes the outcome of the assessment on the level of predictive data available or the Viability Rating risk category to which the organization belongs PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ DataDepthDetail/ AssessmentText | ||
| Y | Viability Rating Financial Data Available Indicator | When 'true' indicates that D&B has detailed financial information for this business. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ FinancialDataAvailableIndicator | ||
| Y | Viability Rating Organization Size Assessment Text | Text that describes the outcome of the assessment on the Organization Size of the organization PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ OrganizationSizeDetail/ AssessmentText | ||
| Y | Viability Rating Organization Size Category Text | Text denoting the broader classification of this organizations company size based on the comparison of other organizations with in D&Bs database PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ OrganizationSizeDetail/ OrganizationSizeCategoryText | ||
| Y | Viability Rating Portfolio Comparison Score Segment Bad Rate | The percentage of organizations within this Viability Rating Score that can become inoperable PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ SegmentBadRate | ||
| Y | Viability Rating Trade Data Available Assessment Text | Text that describes the outcome of the assessment on the level of Trade data available. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ TradeDataAvailabilityDetail/ AssessmentText | ||
| Y | Viability Rating Trade Data Available Indicator | When 'true' indicates that D&B has trade information for this business. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ TradeDataAvailabilityDetail/ TradeDataAvailableIndicator | ||
| Y | Viability Score Bad Rate | The percentage of organizations with the same class score that can become inoperable. For example for all organizations with a Viability class score of 1 it is expected that .2% of these organizations will no longer be a viable business in the next 12 mon PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ BadRate | ||
| Y | Viability Score Overall Bad Rate | Average Inoperable rate for all scored businesses within the same country. PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ OverallBadRate | ||
| Y | Viability Score Years in Business Assessment Text | Text that describes the outcome of assessment on the age of the business PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ YearsInBusinessDetail/ AssessmentText | ||
| Y | Viability Score Years in Business Category | Text denoting the broader classification of this organizations assigned by D&B based on the age of this organization PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ YearsInBusinessDetail/ YearsInBusinessCategoryText |
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.
Composite Risk
Output is one value: Triple Play Composite Risk Score which may contain 0, 1, 2, 3, 4, 5, 6, 7, 8, 9 where 0 is the lowest risk and 9 is the highest risk.
Allows customer to bring a layer of pre-qualification to transactional application submissions, routing for review/approval, additional due diligence required, set cash terms, etc.
Segmentation
Output is two values: Triple Play Segment Value (0,1-5) with descriptions, and a Triple Play Cluster Value. Segment Value descriptions include: 1 is “It’s All Good”, 2 is “Cash Is Not King”, 3 is “Here Today”, 4 is “Identity Crisis”, 5 is “Danger, Danger”.
There are a total of 27 different Triple Play Cluster Values based on the three scores with a value of 2 representing Good risk, 1 representing Average risk and 0 representing Bad risk for the scores.
For example, if the Triple Play Cluster Value is "2,0,2" – it means higher potential for fraud/no pay – send to special investigation.
If the Triple Play Cluster Value is "0,2,2" – it means higher potential for going out of business within next 12 months – set higher price to try an gain margin in first year; no longer term contracts, do not place on costly retention program.
If the Triple Play Cluster Value is "2,2,2"-- it could generate an automated yes decision, set most attractive price, place on highest priority for nurture and grow program.
Premium Option
The following details describe the scores that have been combined into this data layer:
D&B Commercial Credit Score [a.k.a. D&B Delinquency Predictor]
The Commercial Credit Score (CCS) predicts the likelihood of a business paying its bills in a severely delinquent manner (91 days or more past terms), obtaining legal relief from its creditors or ceasing operations without paying all creditors in full over the next 12 months.
D&B defines severe delinquency as a business with at least 10% of its payments 91 days or more past due, based on the information in D&B’s commercial database. The score ranges from 101 to 670, where 101 represent the highest probability and 670 represent the lowest possibility of delinquency.
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.
This product is only available for organizations domiciled in the United States. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.
D&B Total Loss Predictor
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 D&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 |
D&B Viability Rating
The specific components of the D&B Viability Rating are:
- Viability Score: predictive rating of 1-9 where 1 is the lowest probability that a company will no longer be a viable business within the next 12 months to businesses in the same country within the D&B’s database and 9 is highest probability.. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.
- Portfolio Comparison:predictive rating of 1-9 where 1 is the lowest probability that a company will no longer be a viable business within the next 12 months compared to other businesses within the same model segment and 9 is the highest probability. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.
- Data Depth Indicator: descriptive rating of A-G and H-N. A-G is assigned on a “report card-like” scale where A is assigned to businesses with the highest level of predictive data including complete firmographics, extensive commercial trading activity, and comprehensive financial attributes and G is assigned to business with the lowest level of predictive data including basic identify data only. H-N are special categories that override the A-G rating giving our customer’s further insight when D&B has confirmation that a business has met one of six risk conditions.
- Company Profile: descriptive rating A-X and Y-Z where A is the largest, most established businesses with complete, comprehensive data reported in the D&B database and X is the smallest, youngest businesses with basic firmographic data only. Y is assigned to a branch location and Z is assigned to a business that is a subsidiary.
Viability Score is the first of four components within the D&B Viability Rating. It is a high-level risk indicator that assesses the probability that a company will no longer be a viable business within the next 12 months, compared to businesses in the same country within the D&B database. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.
The ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.
Note: The Viability Score is best used when ranking all businesses within your portfolio especially for identifying the most valuable prospects for Sales and Marketing.
Performance Ranking |
Risk Level | US | Canada | ||
|---|---|---|---|---|---|
Percent of Total | Bad Rate | Percent of Total | Bad Rate | ||
9 | High Risk | 1% | 65% | 2% | 28% |
8 | High Risk | 8% | 42% | 1% | 23% |
7 | High to Moderate Risk | 14% | 27% | 5% | 15% |
6 | Moderate Risk | 30% | 13% | 10% | 10% |
5 | Low Risk | 14% | 7% | 10% | 6% |
4 | Low Risk | 14% | 5% | 19% | 3% |
3 | Low Risk | 15% | 3% | 26% | 1% |
2 | Low Risk | 4% | 2% | 13% | 0.6% |
1 | Low Risk | 0.3% | 0.2% | 14% | 0.3% |
Total |
| 100% | 14% | 100% | 4% |
Portfolio Comparison is the second of four components within the D&B Viability Rating. Portfolio Comparison is a more detailed risk indicator that assesses the viability of a company compared to similar businesses within the same model segment which are determined by the amount and type of data available. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.
The Portfolio Comparison ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.
Every business falls into 1 of 4 profile segments. The segments will vary by country as follows:
| United States | Canada |
|---|---|
|
|
Note: The Portfolio Comparison is best used when analyzing the individual risk level of a company for Credit Risk Management purposes.
*Large businesses have either 50+ Employees or $500K+ Sales. Small to Medium businesses have less than 50 employees and less than $500K in Sales.
Model Segments for the United States
NOTE: The tables in this section were last revised in the documentation on October 3, 2014, and are subject to change.
FN (Available Financial Data)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 2.0% | 7.0% | High Risk |
| 8 | 4.0% | 2.0% | High Risk |
| 7 | 10.0% | 1.0% | High to Moderate Risk |
| 6 | 8.0% | 0.7% | Moderate Risk |
| 5 | 11.0% | 0.5% | Moderate Risk |
| 4 | 13.0% | 0.3% | Low Risk |
| 3 | 15.0% | 0.2% | Low Risk |
| 2 | 14.0% | 0.2% | Low Risk |
| 1 | 23.0% | 0.1% | Low Risk |
| Total | 100.0% | 0.6% |
TK (Established Trade Payments)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 3.0% | 23.0% | High Risk |
| 8 | 13.0% | 11.0% | High Risk |
| 7 | 14.0% | 7.0% | High to Moderate Risk |
| 6 | 9.0% | 5.0% | Moderate Risk |
| 5 | 11.0% | 5.0% | Moderate Risk |
| 4 | 11.0% | 4.0% | Low Risk |
| 3 | 11.0% | 3.0% | Low Risk |
| 2 | 16.0% | 3.0% | Low Risk |
| 1 | 11.0% | 2.0% | Low Risk |
| Total | 100% | 5.0% |
TN (Limited Trade Payments)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 1.0% | 45.0% | High Risk |
| 8 | 15.0% | 17.0% | High Risk |
| 7 | 2.0% | 14.0% | High to Moderate Risk |
| 6 | 25.0% | 13.0% | Moderate Risk |
| 5 | 15.0% | 10.0% | Moderate Risk |
| 4 | 11.0% | 9.0% | Low Risk |
| 3 | 11.0% | 7.0% | Low Risk |
| 2 | 12.0% | 6.0% | Low Risk |
| 1 | 7.0% | 4.0% | Low Risk |
| Total | 100% | 11.0% |
NT (Firmographics and Business Activity)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 3.0% | 58.0% | High Risk |
| 8 | 12.0% | 36.0% | High Risk |
| 7 | 9.0% | 23.0% | High to Moderate Risk |
| 6 | 12.0% | 18.0% | Moderate Risk |
| 5 | 13.0% | 13.0% | Moderate Risk |
| 4 | 17.0% | 10.0% | Low Risk |
| 3 | 11.0% | 7.0% | Low Risk |
| 2 | 14.0% | 5.0% | Low Risk |
| 1 | 8.0% | 3.0% | Low Risk |
| Total | 100% | 16.0% |
Model Segments for Canada
NOTE: The tables in this section were last revised in the documentation on October 3, 2014, and are subject to change.
LT (Large Business w/ Established Trade Payments)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 1.0% | 9.0% | High Risk |
| 8 | 2.0% | 4.0% | High Risk |
| 7 | 3.0% | 4.0% | High to Moderate Risk |
| 6 | 8.0% | 2.0% | Moderate Risk |
| 5 | 21.0% | 1.0% | Low Risk |
| 4 | 18.0% | 0.7% | Low Risk |
| 3 | 17.0% | 0.4% | Low Risk |
| 2 | 15.0% | 0.3% | Low Risk |
| 1 | 15.0% | 0.2% | Low Risk |
| Total | 100.0% | 0.9% |
LN (Large Business w/ Firmographics and Business Activity)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 0.7% | 9.9% | High Risk |
| 8 | 0.4% | 7.4% | High Risk |
| 7 | 2.0% | 5.8% | High to Moderate Risk |
| 6 | 6.0% | 4.2% | Moderate Risk |
| 5 | 9.0% | 3.1% | Moderate Risk |
| 4 | 12.0% | 2.2% | Low Risk |
| 3 | 26.0% | 1.5% | Low Risk |
| 2 | 27.0% | 1.0% | Low Risk |
| 1 | 16.0% | 0.6% | Low Risk |
| Total | 100% | 2.0% |
ST (Small to Medium Business w/ Established Trade Payments)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 2.0% | 11.0% | High Risk |
| 8 | 2.0% | 7.0% | High Risk |
| 7 | 2.0% | 5.0% | High to Moderate Risk |
| 6 | 8.0% | 4.0% | Moderate Risk |
| 5 | 18.0% | 2.0% | Moderate Risk |
| 4 | 24.0% | 0.9% | Low Risk |
| 3 | 17.0% | 0.6% | Low Risk |
| 2 | 15.0% | 0.4% | Low Risk |
| 1 | 12.0% | 0.2% | Low Risk |
| Total | 100% | 2.0% |
SN (Small to Medium Business w/ Firmographics and Business Activity)
| Performance | Percent of | Bad | Risk |
|---|---|---|---|
| Ranking | Total | Rate | Level |
| 9 | 3.0% | 28.0% | High Risk |
| 8 | 2.0% | 23.0% | High Risk |
| 7 | 6.0% | 15.0% | High to Moderate Risk |
| 6 | 12.0% | 10.0% | Moderate Risk |
| 5 | 11.0% | 6.0% | Low Risk |
| 4 | 16.0% | 3.0% | Low Risk |
| 3 | 29.0% | 1.0% | Low Risk |
| 2 | 9.0% | 0.7% | Low Risk |
| 1 | 12.0% | 0.3% | Low Risk |
| Total | 100% | 5.0% |
Data Depth Indicator is the third of four components within the D&B Viability Rating. The Depth of Data Indicator presents the level of data that is used to generate the Viability Score and Portfolio Comparison. Data depth assists in the assessment of whether a company will no longer be viable and may include the following (data depth attributes will vary by country):
- Financial Attributes
- Commercial Trading Activity
- Firmographics
The level of data is represented by a letter on a scale of A – G where A reflects the greatest level of predictive data to make a highly reliable assessment of company viability, and G reflects a minimal level of data which can be considered descriptive. The more comprehensive the data, the more precise the overall D&B Viability Rating becomes. If a company has been placed in the Special Category, a letter ranging from H-N will be assigned to identify the specific reason. Reference the chart below for details.
Rating | Definition for US Businesses | Definition for Canadian Businesses |
|---|---|---|
A | Rich Firmographics, Extensive Commercial Trading Activity and Comprehensive Financial Attributes | Rich Firmographics and Extensive Commercial Trading Activity |
B | Rich Firmographics, Extensive Commercial Trading Activity and Basic Financial Attributes | Rich Firmographics and Partial Commercial Trading Activity |
C | Rich Firmographics, Extensive Commercial Trading Activity and No Financial Attributes | Basic Firmographics and Partial Commercial Trading Activity |
D | Rich Firmographics, Partial Commercial Trading Activity and No Financial Attributes | Rich Firmographic and Sparse Commercial Trading Activity |
E | Rich Firmographics, Sparse Commercial Trading Activity and No Financial Attributes | Basic Firmographics and Sparse Commercial Trading Activity |
F | Basic Firmographics, Trace Commercial Trading Activity and No Financial Attributes | Rich Firmographics Only |
G | Basic Firmographics and No Financial Attributes | Basic Firmographics Only |
If a company has been placed in the Special Category, a letter ranging from H – N will be assigned to identify the specific reason.
Rating | Special Category Description |
|---|---|
H | Out of Business - Business is considered inactive due to Bankruptcy, Insolvency, Merger/Acquisition or absence of confirmed location. |
I | Unable to Confirm Designation - D&B is unable to confirm active operations at a specific location due to the business showing limited to no business activity and multiple signs of inactivity (e.g. disconnected phone, vacant address, no longer in a telephone directory etc.) |
J | Bankruptcy - Business has filed for Chapter 11 bankruptcy and the plan of reorganization is not yet confirmed. (Not applicable for Canadian businesses) |
K | High Risk (Severe Risk) - Business displays characteristics of misrepresentation. |
L | Self Reported Duns Support Record - Business’s request for a D-U-N-S Number requires an investigation or confirmation of information from D&B (Not applicable for Canadian businesses) |
M | Business Deterioration (Severe Risk) - Business displays characteristics of financial distress, including signs of current or imminent business failure or operating difficulty (Not applicable for Canadian businesses). |
N | Insolvency - Business or Management has insufficient assets to meet debts and obligations. See Public Records for further details. (Not applicable for US businesses) |
Company Profile is the fourth of four components within the D&B Viability Rating. The Company Profile describes a company based on a combination of 4 categories:
- Financial Data
- Trade Payments
- Company Size
- Years in Business
A company is characterized by a letter which ranges from A – X; with each letter representing a combination of the 4 categories that make up the company’s profile. For example, A describes a company with a comprehensive level data, which has been in business 5+ years, with 50+ employees or $500K+ in Sales, while X reflects a company with a minimal data, in business <5 years, with <10 employees and <$10K in Sales. Y and Z reflect a Branch and Subsidiary, respectively.
Company Profile Ranking | Financial Data | Trade Payments | Company Size | Years in Business |
|---|---|---|---|---|
A | Available | Refer to Data Depth | Large: Employees: 50+ or Sales: $500K+ | Established: 5+ |
B | Available | Refer to Data Depth | Large: Employees: 50+ or Sales: $500K+ | Young: <5 |
C | Available | Refer to Data Depth | Medium: Employees: 10-49 or Sales: $100K-$499K | Established: 5+ |
D | Available | Refer to Data Depth | Medium: Employees: 10-49 or Sales: $100K-$499K | Young: <5 |
E | Available | Refer to Data Depth | Small: Employees: <10 and Sales: <$10K or Missing | Established: 5+ |
F | Available | Refer to Data Depth | Small: Employees: <10 and Sales: <$10K or Missing | Young: <5 |
G | Not Available | Available (3+Trade) | Large: Employees: 50+ or Sales: $500K+ | Established: 5+ |
H | Not Available | Available (3+Trade) | Large: Employees: 50+ or Sales: $500K+ | Young: <5 |
I | Not Available | Available (3+Trade) | Medium: Employees: 10-49 or Sales: $100K-$499K | Established: 5+ |
J | Not Available | Available (3+Trade) | Medium: Employees: 10-49 or Sales: $100K-$499K | Young: <5 |
K | Not Available | Available (3+Trade) | Small: Employees: <10 and Sales: <$10K or Missing | Established: 5+ |
L | Not Available | Available (3+Trade) | Small: Employees: <10 and Sales: <$10K or Missing | Young: <5 |
M | Not Available | Available (1-2 Trade) | Large: Employees: 50+ or Sales: $500K+ | Established: 5+ |
N | Not Available | Available (1-2 Trade) | Large: Employees: 50+ or Sales: $500K+ | Young: <5 |
O | Not Available | Available (1-2 Trade) | Medium: Employees: 10-49 or Sales: $100K-$499K | Established: 5+ |
P | Not Available | Available (1-2 Trade) | Medium: Employees: 10-49 or Sales: $100K-$499K | Young: <5 |
Q | Not Available | Available (1-2 Trade) | Small: Employees: <10 and Sales: <$10K or Missing | Established: 5+ |
R | Not Available | Available (1-2 Trade) | Small: Employees: <10 and Sales: <$10K or Missing | Young: <5 |
S | Not Available | Not Available | Large: Employees: 50+ or Sales: $500K+ | Established: 5+ |
T | Not Available | Not Available | Large: Employees: 50+ or Sales: $500K+ | Young: <5 |
U | Not Available | Not Available | Medium: Employees: 10-49 or Sales: $100K-$499K | Established: 5+ |
V | Not Available | Not Available | Medium: Employees: 10-49 or Sales: $100K-$499K | Young: <5 |
W | Not Available | Not Available | Small: Employees: <10 and Sales: <$10K or Missing | Established: 5+ |
X | Not Available | Not Available | Small: Employees: <10 and Sales: <$10K or Missing | Young: <5 |
Y | Branch | |||
Z | Subsidiary | |||
This product is only available for organizations domiciled in the United States and Canada. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.
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.
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