This leads to a great tip. If a business owner is having any trouble “meeting all their credit payback obligations”, in other words if they know they are going to have to pay a bill late, it is important for that business to be sure to pay the “largest dollar” creditors first. This way, their reporting, which carries more weight in the business Paydex score, will remain positive. If this scenario does come about, it is always best for the business owner to contact those creditors they can’t pay and let them know that they are not being ignored. The business owner should let the creditor know that they have hit a snag and will make it up to them as soon as possible, preferably even giving a date for payment. From a creditor’s point of view, the only thing worse than not being paid what is owed to you is not even being told that you’re not being paid what’s owed to you. Experian Experian’s business credit scoring model is designed for companies that provide goods and services to small businesses. Experian’s business model has many names but is best known as Intelliscore. This model is the second most used in the business world today and is growing rapidly in popularity. Experian’s most recent score system is known as Intelliscore Plus, which they boast of as the next level in credit scoring. This method was released in 2008. Intelliscore Plus considers hundreds of variables to offer a business score between 0-100, with 100 being the highest. The 0-100 is a percentile score that reflects the percentage of businesses that score higher or lower than the specific business being looked at. For example, if the business has a score of 20, this means that company scores better than 19% of other businesses. That also means that 80% of other businesses score higher than that business. Intelliscore Plus is advertised as a highly predictive score that provides a very detailed and accurate reflection of a business’s risk. Intelliscore predicts a business’s risk of going seriously delinquent, or over 91 days late, or having a major financial issue such as bankruptcy within the next 12 months.