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Home | Credit Scoring Search 
Budgets Are Tight!
Credit Scoring Central

You've just discovered the best, most comprehensive resource on credit scoring anywhere. We've compiled everything you'll need to get started in credit scoring or analyze and upgrade your current situation: plain English, easy-to-understand "how-tos," expert analysis, glossary of terms, benchmarking (who's doing what in the trade credit field), case studies of how, why, and what scoring systems were used by major companies, and even do-it-yourself templates you can download.

Larger Firms More Likely to Be Using Credit Scoring
The survey showed that roughly 16 percent of all respondents are now using credit scoring. The top table shows how prevalent the practice is by industry. The lower table shows the breakdown by A/R por . . . keep reading
How does DNBi work for you?
February 3, 2010
Our company has just acquired another company for which my group is handling their credit operations and we've also just merged another subsidiary's credit department into my group. Our contract with D&B is due to renew late this month, and we are considering upgrading from DnB's RAM system (which as worked well for us) to DNBi. I would like to know from users how DNBi works for them. I understand there have been some pricing/renewal fee issues, but I'd rather stay away from those issues and focus on using the product. We've received pricing quotations for the Account Manager and Decision Maker, and for Account Manager, Decision Maker and the Collections module. I'd be curious to hear: What features work well? What features don't work well? Has DNBi helped improve your department's efficiency? How easy is the product to use? How long did it take to get up and running on the software? . . . keep reading
Loan Audit and Scoring System Keeps Portfolio Risks Low
"Given what happened with the S&L's, it is very important that financial institutions today have some kind of loan audit program and risk scoring system in place," states Sharon Hardy, CFE, Internal A . . . keep reading
Risk Models Are Not to Blame for Financial Crisis
December 8, 2009
RMA and the Securitization Risk Roundtable told a Congressional panel that the leading causes of the current crisis are government policies, the regulatory framework, financial market structure, and p . . . keep reading
Press Release: FTRANS Advocates Credit Scoring Model to Supplement Commercial Trade Credit Insurance
August 17, 2009
Provider of Accounts Receivable & Credit Management Solutions Helps Small Businesses Protect Themselves by Gaining Insight into the Creditworthiness of their Customers ATLANTA, July 29 /PRNewswi . . . keep reading
A Risk Scoring System That Makes the Grade
Without a comprehensive and consistent credit scoring system, a credit manager cannot assess the creditworthiness of a new or existing customer. This can ultimately lead to collection problems and pot . . . keep reading
PRESS RELEASE: Experian Introduces Powerful New Portfolio Management Scores That Target Small-Business Risk
June 15, 2009
Experian®, a global information services company, today announced the launch of three highly predictive credit scores that enable members of its Small Business Credit ShareSM program to quickly identify financial accounts that are most likely to become delinquent. Powered by Experian's extensive business data and advanced analytics capabilities, the new portfolio risk scores help clients reduce costs and maximize revenue by allowing them to address accounts that could pose future business risks. . . . keep reading
The Best Practice Series: Installment 5 -Optimizing the Risk/Reward Equation and Increasing Efficiency with Credit Scoring
Credit scores are integral to consumer credit and collections but not with trade receivables management. This is less a functional concern than one involving adaptation to change and new technology. A . . . keep reading
Build Your Own Credit Limit Matrix
By Dave Schmidt
It is not difficult to build your own matrix and incorporate it into your credit policy and procedures. A credit limit matrix can be an extremely useful credit management tool. They are not difficult . . . keep reading
Downloads Today: The Ins and Outs of YESCO's Home-Grown Credit Scoring Template
Downloads Today: The Ins and Outs of YESCO's Home-Grown Credit Scoring Template At YESCO, a Salt Lake City sign-maker, they searched far and wide for a good credit scoring package that would meet their specific needs. After spending nearly a year, and looking at nine or ten different software packages, they threw up their hands and decided to develop their own. Duane Wardle, Senior Vice President & Treasurer at YESCO, submitted their template to us, and we spoke with him recently about how they put it together. . . . keep reading
Five Keys to Making Credit Scoring a Success
Though used extensively in consumer credit and collections, as well as by the financial services community, credit scoring has been slow to catch on in the trade credit environment. However, driven by . . . keep reading
Credit Scoring Myths Exposed
The following are six common myths about credit scoring: . . . keep reading
Do-It-Yourself Spreadsheet Template Helps You Develop Your Own Credit Scoring Model
One of the most popular new features at the Credit Today website is our file download section. We'll periodically highlight s . . . keep reading
What Flavor of Credit Scoring Is Right for Your Company?
Credit scoring has been around for more than three decades, but until recently it has been used primarily in the consumer market for analyzing the creditworthiness of individuals. The commercial market has been slow to embrace credit scoring, but in the past five years there has been an explosion of interest in this methodology because of the tremendous results the early adopters realized from their implementations. . . . keep reading
The Most Prominent Types of Scoring Used Today and the Available Products
Because credit scoring is not a one-size-fits-all methodology, there may be several types of credit scoring solutions to fill all of your needs. In the commercial marketplace Judgmental Rules Based Sc . . . keep reading
Choosing a Credit Scoring System, the Home Stretch: Making Your Final Decision
Choosing a Credit Scoring System, the Home Stretch: Making Your Final Decision Once you have learned the basics of credit scoring and determined how it can benefit your company, you need to determine what "flavor" of credit scoring is right for you. When you enter into this phase of your credit scoring due diligence, it is time to prioritize your goals and determine why you want to use credit scoring. . . . keep reading
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