Credit and risk scores data

Credit and risk data helps lenders, suppliers, insurers and procurement teams judge whether a business or person is likely to pay. It includes credit scores, probability of default estimates, payment behavior, financial statements, court judgments and insolvency notices.

Typical fields:

• Entity identifier and registration number
• Credit score or rating, with band and date
• Probability of default over a stated horizon
• Recommended credit limit
• Days beyond terms and payment trend
• Insolvency, judgment and filing events
• Model version and reason codes

Sources and collection

Business credit data combines registry filings, published accounts, trade payment experiences shared by suppliers, court records and insolvency notices. Consumer credit data comes from regulated credit bureaus, and access is restricted by consumer credit and privacy laws, typically to users with a permitted purpose. Scores are produced by statistical models trained on historical defaults.

Delivery and pricing

Most often delivered by API for real-time decisions, plus batch files or monitoring alerts for portfolios. Pricing is usually per report or lookup, with monthly monitoring fees per entity, or annual licences for portfolio files. Model documentation, validation evidence and country coverage drive price.

Before you buy

• Ask for model performance evidence, such as Gini or AUC on recent cohorts, by country.
• Check how often scores refresh and how quickly insolvency events appear.
• Confirm coverage of the small and young businesses you actually lend to.
• Understand regulatory requirements for using the data in credit decisions.
• Run a retrospective test on your own past defaults.