IntelliScore Plus is Experian's advanced business credit scoring model designed to predict the likelihood of a business becoming delinquent or failing within the next 12 months. By analyzing over 800 variables—including trade payment experiences, public records, collections data, and company background information—IntelliScore Plus provides a comprehensive assessment of a business's credit risk. This score ranges from 1 to 100, with higher scores indicating lower risk, enabling businesses to make informed credit decisions and manage risk effectively. Key Features and Functionality: - Comprehensive Data Analysis: Utilizes over 800 commercial and owner variables, such as tradeline and collections information, recent credit inquiries, public filings, new account activity, and key financial ratios, to deliver a robust risk assessment. - Blended Scoring Option: Offers the flexibility to generate scores based on business data alone, owner data alone, or a combination of both, providing a more predictive assessment, especially for small businesses. - Predictive Power: Designed to significantly improve predictive accuracy, with research indicating a 36% improvement in score performance over previous models and a 50% improvement compared to consumer-only models. - Flexible Score Range: Aligns with common consumer score scales, ranging from 300 to 850, allowing for easier interpretation and integration into existing risk management frameworks. Primary Value and User Benefits: IntelliScore Plus empowers businesses to make confident credit decisions by providing a highly reliable assessment of potential credit risk. By leveraging extensive data and advanced analytics, it helps organizations minimize the risk of late payments and defaults, optimize their credit policies, and enhance overall financial performance. The model's flexibility and predictive accuracy make it an invaluable tool for lenders, suppliers, and other entities assessing the creditworthiness of businesses.