Intelliscore is already being widely used. Many of the largest financial institutions worldwide use it, along with over half of the top 25 P&C insurers and most major telecommunications and utility firms. Industry leaders in transportation, manufacturing, and technology have also been known to use Intelliscore as their primary risk indicating model. In performance tests it has been found that 74% of accounts found to be risky were also in the lower 20% of the credit score range. This means that Intelliscore’s lowest credit scores did indeed account for almost 2/3 of the accounts that were risky. Intelliscore now even has indicators that allow for different scoring depending on the business size. The new Intelliscore Plus has over 800 aggregates or factors that affect the credit scores. Scores are assessed on the more than 7.2 million businesses in Experian’s database. And with Intelliscore, Plus Experian is using technology such as their BizSource and TrueSearch for increased data depth and better matching of business records. Experian first takes a business and looks at data segments such as firmographics, public records, collections, and trade information, then places each business in one of three different models. The first is their Commercial Model, for small, medium, and larger businesses. Second is their Blended/ Owner Model, where the commercial data is then linked with the owner’s information. Thirdly there is the Intelliscore Plus, or their percentile score. In segmenting business records this way, Experian can use more specific scoring for each individual business. Intelliscore Plus, just like FICO, has multiple facets to the entire score makeup. The score is still based on the payment history of the business, but many other factors tie into percentages of the overall score. The historical Behavior or payment history accounts for 5-10% of the total score. Current payment status, trade balances, and percent of accounts delinquent account for 50-60% of the score makeup. The business’ credit utilization affects 10-15% of the total score. This has to do with the amount of credit that has been extended to the business in relation to the balances they currently have on those accounts.