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How Is Credit Rating Determined?

Credit.net's credit rating is based on demographic factors of a business. Some of the demographic factors include employee size, years in business, revenue size, and lines of business.  Credit.net also factors in qualitative information such as bankruptcy filings, SEC submissions, and judgment & liens information. Credit.net ratings indicate a firm’s "probable ability to pay", not the likelihood of timely payment (many large firms are slow to pay their accounts in order to maximize their cash flow). 
Credit ratings are arrayed on a scale similar to the US academic grading system (i.e. A+ is assigned for ratings of 95 or higher, A 90 to 94, B+ 85 to 89, etc).  The lowest letter grade is C (70 to 74).  Firms with a grade below 70 are assigned a grade of U.  Government and nonprofit institutions are assigned a grade of I. 
Please note that a credit rating does not translate to a specific likelihood of late or non-payment.  We recommend that credit departments map their current client base (and their associated credit histories) to Credit.net to assist in setting credit rating screening policies.

 
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