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Ratings Guide
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United States of America

The D&B® Rating consists of a Risk Indicator/Condition Code and Financial Strength Indicator. The Financial Strength Indicator is based on either Net Worth or Issued Capital.

D&B Risk Indicator

The following possible values exist for the D&B Risk Indicator in this country.

Composite Credit AppraisalDescriptionInterpretation
1 Strong Very low chance of business failure and will usually pay all obligations within terms.
2 Good Low chance of business failure and will usually pay all obligations within terms.
3 Fair Moderate chance of business failure and/ or will usually pay obligations past terms.
4 Limited Higher chance of business failure and/ or will usually pay obligations past terms.

ER (Employee Range) Ratings

ER (Employee Range) Ratings apply to certain lines of business that do not lend themselves to classification under the D&B Rating system. Instead, we assign these types of businesses an Employee Range symbol based on the number of people employed. No other significance should be attached to this symbol.

For example, a rating of "ER7" means there are between five and nine employees in the company. "ERN" should not be interpreted negatively. It simply means we do not have information indicating how many people are employed at this firm.

The "1R" and "2R" Rating categories reflect company size based on the total number of employees for the business. They are assigned to company files that do not contain a current financial statement. IR is assigned to businesses with 10+ employees. 2R is assigned to businesses with <10 employees.

Rating# of Employees
ER 1 1000 +
ER 2 500 - 999
ER 3 100 - 499
ER 4 50 - 99
ER 5 20 - 49
ER 6 10 - 19
ER 7 5 - 9
ER 8 1 - 4
ER N Not Available

D&B Financial Strength Indicator

The following table possible values exist for the D&B Financial Strength Indicator in this country.

Rating Classification Composite Credit Appraisal
Based on Net Worth (from Interim or Fiscal Sheet) Strong Good Fair Limited
5A 50,000,000 and greater 1 2 3 4
4A 10,000,000 - 49,999,999 1 2 3 4
3A 1,000,000 - 9,999,999 1 2 3 4
2A 750,000 - 999,999 1 2 3 4
1A 500,000 - 749,999 1 2 3 4
BA 300,000 - 499,999 1 2 3 4
BB 200,000 - 299,999 1 2 3 4
CB 125,000 - 199,999 1 2 3 4
CC 75,000 - 124,999 1 2 3 4
DC 50,000 - 74,999 1 2 3 4
DD 35,000 - 49,999 1 2 3 4
EE 20,000 - 34,999 1 2 3 4
FF 10,000 - 19,999 1 2 3 4
GG 5,000 - 9,999 1 2 3 4
HH 0 - 4,999 1 2 3 4
DS DUNS Support - This indicates that the information available to D&B does not permit us to classify the company within our Rating Key. When ordering these reports, an investigation can be performed and results sent to you at your request for an additional fee
INV Investigation Being Conducted - When an "INV" appears, it means an investigation is being conducted on this business to get the most current details.
-- This represents the absence of a D&B Rating and should not be interpreted as indicating that credit should be denied. It means that the information available to D&B does not permit us to classify the company within our Rating Key and that further inquiry should be made before reaching a credit decision. Some reasons for using the "- -" symbol include: deficit net worth, bankruptcy proceedings, lack of sufficient payment information or incomplete history indicator.