Download 4 - Experian

Experian AS
Customer Centre 815 55 454
Credit Rating
Limited liability companies
With accounts
Sole proprietorships
General partnerships
Without accounts
(newly created)
Risk table
Credit Rating gives points between 1 and 100, where 100 is the best. 0 points indicate that the
company is inactive or that different policy rules have been applied.
The risk is divided into the following five categories:
1-14
Credit not advisable/not creditworthy
15-29
Credit against security
30-49
Creditworthy
50-74
Good creditworthiness
75-100 Best creditworthiness
Appendix 8 – Commercial Delphi
The Delphi model was developed in collaboration with top analysts from Experian Decision
Analytics and was completed in November 2008. The process involved analysing more data
sources than for previous models and adding important comments to the score. In addition to
the points score, the probability of a company going bankrupt is also shown. There are several
new policy rules in the model and auditors' remarks are now included in the score. The policy is
not to rule out a company because of negative equity. Information concerning the Managing
Director and the Chairman of the Board, as well as events/changes, forms part of the variables.
The greatest improvement compared with other standard models is the increase in the number of
companies scored. The model scores 775,104 Norwegian companies, which is an increase of
99,874 companies on the previous model. This increase means fewer checks are required for
manual processing and indicates bad risks using a completely new method compared with other
models.
Scale:
The range of the model is 0-1000 points.
www.experian.no
e-mail: [email protected]
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