Spread Sheet Excel
CreditData
| Accounts Receivable Department - Customer Credit Analysis | |||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) |
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 |
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 |
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 |
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 |
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | ||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 |
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 |
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 |
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 |
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 |
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 |
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 |
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 |
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 |
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 |
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 |
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 |
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 |
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 |
Figure4.1
Figure4.2
| Accounts Receivable Department - Customer Credit Analysis | ||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 |
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE |
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE |
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE |
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE |
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | |||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE |
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE |
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE |
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE |
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE |
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE |
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE |
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE |
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE |
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE |
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE |
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE |
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE |
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE |
Figure4.6
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | ||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | ||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | ||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | ||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | ||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | |||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | ||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | ||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | ||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | ||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | ||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | ||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | ||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | ||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | ||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | ||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | ||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | ||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | ||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | ||
Figure4.7
| Accounts Receivable Department - Customer Credit Analysis | ||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | PAYDEX > 90 | ||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | ||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | ||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | ||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | ||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | |||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | ||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | FALSE | ||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | TRUE | ||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | ||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | ||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | TRUE | ||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | ||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | FALSE | ||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | ||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | ||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | ||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | FALSE | ||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | ||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | ||
| At least 1 PAYDEX score >90 | TRUE | |||||||||||||
Figure4.8
| Accounts Receivable Department - Customer Credit Analysis | ||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | ||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | ||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | ||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | ||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | ||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | |||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | ||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | ||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | ||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | ||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | ||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | ||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | ||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | ||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | ||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | ||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | ||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | ||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | ||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | ||
Figure4.10
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |||||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |||||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |||||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |||||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |||||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |||||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |||||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |||||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |||||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |||||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |||||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |||||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |||||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |||||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |||||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |||||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |||||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |||||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |||||
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||||||
Figure4.11
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |||||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |||||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |||||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |||||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |||||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |||||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |||||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |||||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |||||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |||||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |||||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |||||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |||||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |||||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |||||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |||||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |||||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |||||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |||||
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||||||
| Do none meet the rule? | FALSE | FALSE | FALSE | ||||||||||||||
Figure4.12
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |||||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |||||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |||||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |||||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |||||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |||||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |||||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |||||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |||||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |||||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |||||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |||||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |||||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |||||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |||||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |||||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |||||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |||||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |||||
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||||||
| Do none meet the rule? | FALSE | FALSE | FALSE | ||||||||||||||
Figure4.13-18,20-21
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |||||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |||||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |||||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |||||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |||||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |||||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |||||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |||||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |||||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |||||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |||||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |||||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |||||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |||||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |||||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |||||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |||||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |||||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |||||
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||||||
| Do none meet the rule? | FALSE | FALSE | FALSE | ||||||||||||||
Figure4.19
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |||||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |||||
| Baltimore O's | 39,000 | 10,033 | 7,789 | 0 | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |||||
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |||||
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |||||
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |||||
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | 0 | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |||||
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | 0 | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |||||
| RG Bradley | 46,000 | 90,970 | 18,343 | 0 | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |||||
| RX for Sports | 15,000 | 5,663 | 3,014 | 0 | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |||||
| School Sports Supply | 45,000 | 50,278 | 32,338 | 0 | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |||||
| Ski World | 26,000 | 25,864 | 28,154 | 0 | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |||||
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | 0 | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |||||
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |||||
| Toy Kingdom | 22,000 | 10,073 | 1,047 | 0 | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |||||
| Under the Sea | 45,000 | 95,411 | 64,418 | 0 | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |||||
| US Olympic Team | 20,000 | 5,621 | 6,171 | 0 | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |||||
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | 0 | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |||||
| Zip & Sons | 10,000 | 15,490 | 22,760 | 0 | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |||||
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||||||
| Do none meet the rule? | FALSE | FALSE | FALSE | ||||||||||||||
Figure4.22-23
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |||||
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |||||
| Baltimore O's | $ 39,000 | $ 10,033 | $ 7,789 | $ 0 | $ 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |||||
| Baseball & More | $ 75,000 | $ 60,009 | $ 55,342 | $ 13,892 | $ 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |||||
| Canadian Ski Club | $ 33,000 | $ 35,039 | $ 50,921 | $ 495 | $ 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |||||
| Concord Pro Shop | $ 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||||||
| Everything Golf | $ 25,000 | $ 15,221 | $ 9,483 | $ 2,899 | $ 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |||||
| Lake Pro Shops | $ 42,000 | $ 80,498 | $ 81,126 | $ 0 | $ 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |||||
| Mars Dept. Store | $ 27,000 | $ 35,354 | $ 20,666 | $ 0 | $ 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |||||
| RG Bradley | $ 46,000 | $ 90,970 | $ 18,343 | $ 0 | $ 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |||||
| RX for Sports | $ 15,000 | $ 5,663 | $ 3,014 | $ 0 | $ 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |||||
| School Sports Supply | $ 45,000 | $ 50,278 | $ 32,338 | $ 0 | $ 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |||||
| Ski World | $ 26,000 | $ 25,864 | $ 28,154 | $ 0 | $ 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |||||
| Sneaker Kingdom | $ 45,000 | $ 40,157 | $ 25,379 | $ 0 | $ 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |||||
| Sports & Stuff | $ 15,000 | $ 15,898 | $ 14,732 | $ 14,383 | $ 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |||||
| Toy Kingdom | $ 22,000 | $ 10,073 | $ 1,047 | $ 0 | $ 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |||||
| Under the Sea | $ 45,000 | $ 95,411 | $ 64,418 | $ 0 | $ 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |||||
| US Olympic Team | $ 20,000 | $ 5,621 | $ 6,171 | $ 0 | $ 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |||||
| WWW Sports Inc. | $ 100,000 | $ 60,009 | $ 60,354 | $ 0 | $ 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |||||
| Zip & Sons | $ 10,000 | $ 15,490 | $ 22,760 | $ 0 | $ 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |||||
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||||||
| Do none meet the rule? | FALSE | FALSE | FALSE | ||||||||||||||
ending file
| Accounts Receivable Department - Customer Credit Analysis | |||||||||||||
| Customer Name | Current Credit Limit | Previous Year's Sales | Current Year's Sales | Past Due Balance | Net Worth in (000) | D&B Credit Rating Class | D&B Composite Credit Appraisal (1 Best) | D&B PAYDEX (100 Best) | D&B Stress Risk Class (1 Best) | Rule#1 | Rule#2 | Rule#3 | |
| Athletic Gear Corp. | $ 9,000 | $ 15,382 | $ 11,952 | $ 0 | $ 450 | BA | 4 | 15 | 3 | TRUE | FALSE | FALSE | |
| Baltimore O's | 39,000 | 10,033 | 7,789 | - | 1,950 | 3A | 1 | 51 | 1 | TRUE | TRUE | FALSE | |
| Baseball & More | 75,000 | 60,009 | 55,342 | 13,892 | 37,500 | 4A | 2 | 70 | 1 | FALSE | FALSE | FALSE | |
| Canadian Ski Club | 33,000 | 35,039 | 50,921 | 495 | 1,650 | BA | 2 | 43 | 1 | TRUE | FALSE | FALSE | |
| Concord Pro Shop | 10,000 | 4A | 1 | 91 | 1 | TRUE | TRUE | ||||||
| Everything Golf | 25,000 | 15,221 | 9,483 | 2,899 | 1,250 | 3A | 3 | 76 | 1 | FALSE | FALSE | FALSE | |
| Lake Pro Shops | 42,000 | 80,498 | 81,126 | - | 2,100 | 3A | 2 | 87 | 1 | TRUE | FALSE | TRUE | |
| Mars Dept. Store | 27,000 | 35,354 | 20,666 | - | 213 | BB | 3 | 94 | 1 | TRUE | TRUE | FALSE | |
| RG Bradley | 46,000 | 90,970 | 18,343 | - | 2,300 | 3A | 1 | 21 | 1 | TRUE | TRUE | FALSE | |
| RX for Sports | 15,000 | 5,663 | 3,014 | - | 750 | 2A | 1 | 59 | 1 | TRUE | TRUE | FALSE | |
| School Sports Supply | 45,000 | 50,278 | 32,338 | - | 2,250 | 3A | 3 | 91 | 1 | TRUE | TRUE | FALSE | |
| Ski World | 26,000 | 25,864 | 28,154 | - | 300 | BA | 2 | 82 | 1 | TRUE | FALSE | FALSE | |
| Sneaker Kingdom | 45,000 | 40,157 | 25,379 | - | 2,250 | 3A | 2 | 71 | 1 | TRUE | FALSE | TRUE | |
| Sports & Stuff | 15,000 | 15,898 | 14,732 | 14,383 | 450 | BA | 1 | 67 | 1 | FALSE | TRUE | FALSE | |
| Toy Kingdom | 22,000 | 10,073 | 1,047 | - | 1,100 | 3A | 3 | 14 | 1 | TRUE | FALSE | FALSE | |
| Under the Sea | 45,000 | 95,411 | 64,418 | - | 150 | CB | 4 | 79 | 2 | TRUE | FALSE | FALSE | |
| US Olympic Team | 20,000 | 5,621 | 6,171 | - | 1,000 | 3A | 1 | 87 | 1 | TRUE | TRUE | TRUE | |
| WWW Sports Inc. | 100,000 | 60,009 | 60,354 | - | 500,000 | 5A | 2 | 97 | 1 | TRUE | TRUE | TRUE | |
| Zip & Sons | 10,000 | 15,490 | 22,760 | - | 620 | 1A | 2 | 96 | 1 | TRUE | TRUE | TRUE | |
| Do any meet the rule? | TRUE | TRUE | TRUE | ||||||||||
| Do none meet the rule? | FALSE | FALSE | FALSE | ||||||||||
1
2
3
4
5
A
B
Customer Name
Current
Credit Limit
Athletic Gear Corp.
9,000
$
Baltimore O's
39,000
Baseball & More
75,000
Accounts Receivable Department - Customer Credit Analysis