When Experian calculates your business credit score they look at several factors, we call these credit risk factors. These are the key parts of your business profile that influence your overall business credit score.
Each credit risk factor provides insights into different aspects of your company's behaviour and stability. Experian typically evaluates each factor based on three key aspects:
1. Category
The broad area being evaluated, such as:
Annual Accounts
Payment Performance
Public Records
2. Criteria
The specific item within the category that Experian reviews. For example:
Under Annual Accounts:
Accounts filed on time
Good liquidity for working capital
Under Payment Performance:
Settling trade credit within terms
3. Impact
This shows how the criteria affect your score:
Positive – strengthens your score
Negative – weakens your score
Neutral – little or no direct effect on your score
Together, these credit risk factors provide a detailed picture of your business’s financial health and help lenders, suppliers, and other stakeholders assess risk accurately.