Experian’s most recent score system released in 2008 is known as Intelliscore Plus, which they boast is the next level in credit scoring.
Intelliscore Plus takes into account hundreds of variables to offer a business score between 0-100, with 100 being the highest. Intelliscore actually 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.
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.
More than 7.2 million businesses in Experian’s database have been assigned a score, and over 800 aggregates or factors affect each score. Many other factors tie into percentages of the overall Intelliscore.
The Historical Behavior or payment history accounts for 5-10% of the total score while 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.
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.
Experian’s Intelliscore is one of the most popular credit scores in the business world today. Knowing how this score works empowers you with the ability to insure you have the highest score available, so you can obtain the greatest amount of business credit for your business.

Author's Bio: 

About the Author - Kim Carpentier is Owner and General Manager of Valley Credit Builders (www.valleybusinesscredit.com). He is using his 35 years of successful business ownership, and transition, to help small business owners build business credit so they can separate the financial responsibilities between business and personal credit. He specializes in helping business owners establish excellent business credit scores and then leverages those scores to access cash and credit for their businesses without their personal guarantees. The Business Credit and Funding Suite is the leading business cash and credit access system in the world today.