Experian’s Commercial Delphi Generation 6 is Experian’s newest score for Limited Companies, built to harness the latest and best data available. It is a powerful engine to help your business assess the commercial viability of customers and prospects, because combines market-leading expertise in scoring techniques with a blend of data assets to enable informed lending decisions. Commercial Delphi Generation 6 enjoys an increased discriminatory power of 17-19 percentage points compared to previous versions, enabling more accurate lending decisions across the whole credit lifecycle.
Commercial Delphi Gen 6 is Experian’s latest proprietary commercial risk score to assess a business’ likelihood of failure over a 12-month period. Our most accurate score yet, Commercial Delphi Gen 6 combines an enhanced blend of commercial and consumer data assets – including Commercial Current Account Turnover data – to robustly calculate a businesses’ commercial viability.
Experian’s Commercial Delphi scorecards are indispensable in keeping abreast of changes in a customer’s financial standing so you can make movements in scores, rating and limits - in turn driving greater profitability and efficiency for your organisation.
Download brochureIncorporation of new CCDS attributes
Retrieval of consumer data from a directors URA
Revised segmentation to reflect a changed business universe
Revised approach to align scores overtime as a company grows
Commercial Delphi now includes Commercial Credit Data Sharing information. This data provides an insight into an organisation’s cashflow and how well they pay back credit - key to providing accurate risk assessments.
Understand just how impactful increased data accuracy in commercial risk scores can be we worked with two leading UK organisations.
Commercial Delphi uses a complex blend of data points, combining external information with data distilled from our Commercial Bureau.
Increased predictive power enables your organisation to make more effective decisions across the whole credit lifecycle, from customer acquisition and onboarding to portfolio management and collections.
We proactively monitor the market to identify factors that may materially affect scorecards, scores and limits and make pro-active adjustments as appropriate. In addition, we track commercial press releases that may have a bearing on a business’s financial standing before that impact is felt in any official reporting or data sources used within our automated scoring models.
Alerts are triggered by a range of events including profit warnings, share suspensions, liquidity problems, insolvency, extreme share price movements, acquisitions and mergers, etc.
Whenever a reported event contains information that could affect Experian’s Commercial Delphi score, rating and limit, the article will be scrutinised by a commercial analyst who will apply an override if appropriate. In extreme cases scores, ratings and limits will be withdrawn.
We will continue to monitor Commercial Delphi to ensure it remains highly predictive and relevant in the changing economic environment.