Experian Commercial Delphi Score

The Experian Delphi Score is an off-the-shelf commercial credit scoring system used in the UK to assess the financial health and creditworthiness of businesses. It gauges the risk of a company facing financial troubles or failure in the next 12 months by analysing its performance and credit history. This score is on a scale from 0 to 100, where a lower score means a higher risk. Zero means the business has failed or been dissolved. It is used by the MRA Finance team to understand a business's creditworthiness, h...

A human always reviews the outputted scores and makes the final decision on provding credit to the company. The credit report provided by Experian has much of the needed detail to assist in the overall risk rating, further information is used within the report to help make the final decision on setting credit limits.

No formal appeal/review process with the MRA although we would run an updated score/report should we become aware that a company's situation had changed or a new request for credit was made. A company would need to speak Experian should they wish to challenge their credit score within Delphi.