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Rating Definitions

  Definite Ratings Indefinite Ratings
A Net Worth Over 10,000,000
B 5,000,000 to 10,000,000
C 1,000,000 to 5,000,000
D 500,000 to 1,000,000
E 100,000 to 500,000
G 50,000 to 100,000
H 10,000 to 50,000
J under   10,000
R Negative Net Worth    
F High financial worth (A-B)
P Moderate financial worth indicated (C-E)
W Small financial worth indicated (G-H)
Y Limited financial worth indicated (J)
1 Disc/Prompt Pays within terms
2 Prompt 6-15 Days Past Due
3 Medium/Prompt 16-30 Days Past Due
4 Medium/Slow 31-45 Days Past Due
5 Slow 46-60 Days Past Due
6 Very Slow Over 60 Days Past Due
9 COD/CBD Prefered Payment Method
0   No basis for Pay Rating

Scale of 1 - 6 with a 9 denoting mainly COD/CBD

Based on a six month revolving period of days past due industry trade payments. The rating is based mainly on the average number of days a business takes to fulfill their payment obligations. The average number of days is weighted slightly by high credit during this period. The Pay Rating is separate from Lyon's financial ratings in that it reports how they "actually" pay rather than their financial "ability" to pay. The Pay Rating Graph reflects a history based on how long the business has been in the Lyon database.

81-90 Payment Rating 1
71-80 Payment Rating 2
61-70 Payment Rating 3
51-60 Payment Rating 4
41-50 Payment Rating 5
31-40 Payment Rating 6

Scale of 31 - 90

Closely associated to the Pay Rating, the PPS indicates more specifically where a business registers within the Lyon Pay Rating Scale.

For example: A PPS of 88 indicates a strong 1 Pay Rating.


90+ Paid as Agreed 1
80-89 1-30 Days Past Due
60-79 31-60 Days Past Due
40-59 61-90 Days Past Due
20-39 91-120 Days Past Due

Scale of 20 - 90

Equifax's Payment Index is based on "non-industry" suppliers such as utility and telephone companies. The Equifax Payment Index Graph reflects a 12-month history


  The Business Failure Risk Score is designed to predict the likelihood of a business failure through either formal or informal bankruptcy, within a 12 month period. The Equifax Business Failure Risk Score is a four digit score ranging from 1000 to 1800, where 1000 represents the highest probability of business failure, to a potential maximum score of 1800. A score of 0 indicates that a bankruptcy exists on file.
  The Credit Stress Score is a dynamic, computer-generated assessment of a company's tendency to fall behind on their accounts payable. The Credit Stress Score is designed as an early warning flag that detects acute, worsening changes in a debtor's payment pattern, which may signal potential credit worthiness difficulties. It complements the classic Lyon Pay Rating, which measures longer-term payment trends. The Credit Stress Score should not be used as the sole determinant to approve or disapprove credit. A poor stress score should flag the account for closer scrutiny, especially the most recent past due trade references. The Credit Stress Score is rated on a scale of 1 (Best) to 5 (Worst).
12   Business recently commenced
14   No inquiries and no references prior to 6 months ago
24   Name listed for convenience
29   No basis for pay rating
30   All information has been declined
31   Financial statements declined
32   Working Capital less than net worth
47   Change in ownership
48   SOS Corporate Status Inactive
50   Two + claims in past 36 months
54   Rating suspended pending investigation
70   Two + open claims in the past 36 months
94   In Bankruptcy
107   Discontinued or Merger/Acquisition
119   Rating in abeyance