Spotting high-risk companies is quick and easy, thanks to Credit Guardian's simple colour-coded key.
Credit Guardian uses a "traffic lights" system to differentiate between the different risk categories. Companies with a poor credit rating (maximum risk and high risk) are displayed in Red, those with average credit ratings are shown in Orange, those with high credit ratings (low risk and very low risk) are highlighted in Green and companies where their data is either suppressed or not made available from Experian are displayed in Blue (see What is score suppressed).
Any company that you have previously monitored and have stopped monitoring is displayed in Grey.
The colour schemes are used throughout the credit risk and company information screens, including title bars, component titles and tab highlights. The title bar is the easiest to recognise as it runs across the entire top section of each screen. Each risk category is displayed as shown below:
Very Low Risk and Low Risk
Below Average Risk and Above Average Risk
High Risk and Maximum Risk
Suppressed Risk Score
Not Monitored
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Each company is given a Risk Score which is a value from 0 to 100 and indicates the level of risk of the company as determined by Experian. Low scores indicate high risk while higher scores indicate lower risk companies. For ease of use, Risk Scores are grouped into Risk Bands to make it easier to categorise companies. The following is the list of the Risk Bands categories, the Risk Scores each band covers and the average percentage of UK companies in each Risk Band. | |
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Credit Guardian provides both a Credit Rating and Credit Limit on each monitored company. What is the difference between these two important pieces of data? | |
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Sometime you may credit check a company or receive an alert on a monitored stating that the company's credit score has been suppressed or a credit assessment is not available. There are a number of reasons why a company may have its score suppressed, which include the following:
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Credit Guardian works by showing you credit risk information about a single UK company, including details on the following:
Each section contains a summary tab, which provides you with a top-level overview of the company, along with their credit assessment, giving an indication of the company’s creditworthiness. Credit Guardian will provide you with a credit rating, which is the recommended maximum amount that they should spend with you in any 30 day period. The provided credit limit is the maximum the company should owe at any one time. Based on available published... more | |
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