The company profile, age of business, industry risk, and size of business assessed by number of employees accounts for 5-10% of the total score. And 10-15% of the total score is determined based on the derogatory items, collections, liens, judgments, and bankruptcies that business has. When Experian is assigning a business a credit score, they take many factors into account. They refer to these factors as predictive data and use this data to better determine a business’s lending risk. Multiple factors affect the score, including average balances on accounts, how recent are the delinquencies, what number and what percent of accounts are current versus delinquent, the percent of balances seriously delinquent, the overall utilization ratio, and any balances on leases. Firmographics is what Experian refers to as the background information of a business. This factor considers the risks inherent in the business’ specific industry and how many employees the business employs. Firmographics also considers the length of time the business has been reporting to Experian. They have found that a business with a longer-standing Experian credit file is typically less at risk of defaulting. Inquiries are also considered with Firmographics. Experian also provides consumer credit reports. They provide options for reports that reflect information about the business and the business owner called “blended” reports. They promote this as an added business, as studies have shown that consumer reports don’t offer the most comprehensive assessment of risk on their own. With blended reports Experian considers both factors from the business and from the consumer credit of the owner or personal guarantor. Factors considered are the number of accounts recently delinquent, number of derogatory payment accounts, number of accounts with 90% utilization, number of bank cards with 100% or more utilization, number of inquiries, and real estate inquiries. Experian credit reports offer many details along with their scores, including business credit summaries and key facts about the business. Each report also provides business contact information, corporate registration details, and uniform commercial code filing data.