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 Appraisal | Description | Interpretation |
|---|---|---|
| 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. | ||||