Details relating to the business payment history are also included in the reports, including summaries of collections and payments, bankruptcy, judgment, and tax filings, even banking, insurance and leasing information. Equifax Equifax’s main business credit scoring model is the Credit Risk Score. This score was created to enhance risk assessment throughout the account life cycle by predicting the probability of a new or existing small business customer becoming seriously delinquent on supplier accounts, or bankrupt, within a 12-month period. Credit scores range from 1-100, with a lower score indicating a higher risk of serious delinquency. The score predicts the likelihood of a business incurring a 90-days severe delinquency or charge-off over the next 12 months. With Equifax, scores of 90 and above express that obligations are being paid as agreed. Scores from 80-89 indicate payments are being made 1-30 days overdue, while scores of 60-79 represent payments being paid 31-60 days past the agreed-upon due date. Credit scores ranging from 40-59 indicate payments being made 61-90 days overdue, while scores between 20-39 mean obligations are being paid 91-120 days overdue and scores between 1-19 mean obligations are being paid 120+ days past the due date. Equifax also provides a business credit score for suppliers known as the Small Business Credit Risk Score for Suppliers. This model is designed to help credit grantors improve their risk assessment and reduce delinquency rates while helping to improve profitability. The score utilizes unique bank loans, lease information, credit card data, and supplier, Telco and utility credit history, public records and firmographic data from their own Equifax Commercial database. The Small Business Credit Risk Score for Suppliers credit scores range from 101-816, with the lower score indicating a higher risk. If the business had a bankruptcy on file, they would have a 0 score. There are four major factors affecting the score.