Credit Score Methodology FAQs

Why has the methodology changed?

The methodology has changed to include new credit scoring models which will ultimately improve the credit score accuracy. This means there will be deeper segmentation of the total business population, expansion on the datasets that are evaluated and refinement on the variables that are used to calculate risk.


What are the credit scoring models?

Newly Incorporated Businesses

Micro-entity (NEW)

Small Companies

Medium Companies

Large Companies

Public Limited Companies (NEW)



When does the change come into effect?

5pm, Friday 6th December 2019


Where will I see the changes to credit scores?

Credit Report API Endpoint, Dashboard, Filter and Column “Credit Risk” on the Find Companies page, “Recent Credit Rating update” on a company profile and updated scores when downloading new credit reports on the Credit Risk tab.

Is there a change to the Probability of Default (PD) scores?

Yes, attached below are the old and new tables for the min PD and max PD%  alongside the scores themselves and the banding they fall under.

Old Table




New Table




How do I generate a new report?

This hasn’t changed - head over to the Credit Risk tab on a company profile page and generate the report as usual.


Will my old reports be refreshed?

No, any previously downloaded credit reports will not change without a new report being generated.


I downloaded a credit report yesterday, and DueDil says I have 29 days to download the report, when I download the same report again, will this be the new score?

You can download the same report for 29 days after it has been generated but each one will be exactly the same even if the score has been updated; this won’t use any quota.

If you want the new credit score you can refresh the report (which will ultimately generate a new report) which will require more quota.


How do I access the old score?

All previous scores are displayed once you generate a report on a company profile page, here you can see how the score has changed over time. 


I generated a new report and the score changed but the rating history is not showing a change yet, why is this?

It may take a few days for the historic data to get processed, but you will see the most up to date score in the graphic at the top of the page.

Will my credit score go up or down?

The new, more accurate models and increased number of variables used in these models mean your company’s credit score could go up or down.


Can I opt out?

No, this is a universal update to the credit scoring methodology available on DueDil and therefore will affect all users. This is to ensure a more accurate measure of credit rating for all businesses.

Please find the DueDil Webinar: Credit Score Methodology Changes hosted by our Product Manager George Fisher attached to the bottom of this page.