Composite Credit Appraisal

The Composite Credit Appraisal is a rating system running from numbers 1 through 4 which makes up the second half of a company’s rating and reflects D&B’s overall assessment of that firm’s creditworthiness. The Composite Credit Appraisal is based on D&B’s analysis of company payments, financial information, public records, business age and other important factors (when available).

Note: A “2” is the highest Composite Credit Appraisal possible for a company that does not supply D&B with current financial information. The “1R” and “2R” Rating categories reflect company size based upon the total number of employees for a business. These ratings are assigned to company files which lack current financial statements.

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