GRAYDON CREDIT RATING GUIDE PDF

Credit reports provide crucial insight to guide credit rating decisions. Without this systematic process to collate and assess data, and a uniform approach through which to evaluate applicants against risk-based requirements, credit lending would be significantly riskier. In previous centuries, credit rating decisions followed a very different process. In time, this gave way to credit scoring systems in order to create the most accurate data — leading to the credit reports we know and love today.

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Credit reports provide crucial insight to guide credit rating decisions. Without this systematic process to collate and assess data, and a uniform approach through which to evaluate applicants against risk-based requirements, credit lending would be significantly riskier. In previous centuries, credit rating decisions followed a very different process. In time, this gave way to credit scoring systems in order to create the most accurate data — leading to the credit reports we know and love today.

Credit reports draw on in-depth data and analysis to deliver the greatest accuracy and make sure credit ratings help businesses make better decisions. Credit rating is important because it provides numerous benefits including:. It also highlights any changes to individual financial circumstances and takes into account wider changes impacting the industry. Through a Graydon UK business credit report , you can make more informed decisions about extending credit to a company — ensuring your business territory is as familiar as possible.

In addition you can gain a better understanding of the payment behaviour and recommended credit limit of customers and prospects to optimise your finances. This ensures you can lend enough to benefit your revenue in a considered manner and protect your business from excess risk.

Graydon UK business credit reports have a number of features that ensure they are the most insightful and provide the greatest value to businesses. These features include:. Graydon works consistently to ensure its credit reports and credit rating systems are enhanced for accuracy.

For example, last year Graydon changed the way it devised its credit scores, giving greater emphasis to working capital due to its increased weighting in creditworthiness. Similarly, it takes into account any structures of concern. For example, whether the company is involved with other companies, whether they have a deepening financial dependence and how that could impact their level of risk.

Drawing on its considerable resources, Graydon is also able to benchmark companies across its database, identifying where businesses lie in the spectrum of creditworthiness. Credit reports can be used for a range of different purposes, but the value you derive is heavily influenced by the goals of your business and the knowledge you have already amassed. For example, if you have an established background in finance, it can be helpful to delve deeper into the report and examine the financial ratios that are drawn from annual accounts.

You can use this to focus just on individual elements, such as credit scores and payment behaviour, depending on how in-depth your requirements are. If you want to improve your finances by extending credit to clients who will support your revenue and minimise your risk, credit reports can provide the insight and analysis you need to make informed decisions and help your business grow.

Looking for more information about preventing credit risk? Download the guide here. The value of credit reports Credit reports draw on in-depth data and analysis to deliver the greatest accuracy and make sure credit ratings help businesses make better decisions.

Credit rating is important because it provides numerous benefits including: Preventing doubtful and bad debt; Optimising client relationships; Understanding commercial changes affecting companies; and Gaining more incisive insight into customers. These features include: Dashboard design: Each Graydon report delivers an enlightening snapshot of the company's risk and credit score. Credit scoring and limits: More than 2, characteristics are used by Graydon to define a company's credit score.

To supplement this, Graydon also provides a monthly credit guide. Xseption: This tool flags up in advance any unconventional behavioural patterns or financial results. Graydon draws on a range of data to create these early warnings, including suspicious activity such as County Court Judgements. Director information: Graydon delivers comprehensive company director information, including a record of all previous appointments.

Five year financials: Graydon delivers five years of company financial information for you to review, including turnover, profit and loss.

A continuously optimised credit rating system Graydon works consistently to ensure its credit reports and credit rating systems are enhanced for accuracy. How to use a credit report Credit reports can be used for a range of different purposes, but the value you derive is heavily influenced by the goals of your business and the knowledge you have already amassed. Related topics Looking for more information about preventing credit risk? Related articles By Marc Bishop reads.

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Immediate financial insight with a credit report

When doing business, you want to ensure that your customers will pay your invoices. Unfortunately, every company will be confronted with payment arrears. This directly affects your cash flow and operating result. A credit report enables you to quickly check the financial status of your business relations, their creditworthiness, the risk of late payment and the maximum amount you could safely invoice for deliveries.

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How credit rating decisions are made

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