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How is a business credit score determined?


Experian's Credit Ranking Score is determined through a statistically derived algorithm that determines risk based on multiple factors:

  • Credit: number of trade experiences, balances outstanding, payment habits, credit utilization, trends over time
  • Public records: recency, frequency and dollar amounts associated with liens, judgments, bankruptcies
  • Demographic information: years on file, Standard Industrial Classification (SIC) code, business size


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Average U.S. business score is 62

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