What is a Risk Level Indicator (RLI) score?

We use the Equifax "Risk Level Indicator" score:

The Equifax Risk Level Indicator Score ranges from 1 to 5, with lower scores indicating lower business risk. Variables used by Equifax to develop the RLI include:

RiskRLI Score
Low 1-2
Medium 3
High 4-5

Prior to March 1, 2008, we used the PAYDEX Score from Dunn & Bradstreet. PAYDEX is a unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors. The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance.

RiskPaydex Score
Low 80 - 100
Medium 50 - 79
High0 - 49

For more information, please go to Equifax.com or


To remain Pre-Screened, a listed Pro must maintain a credit risk score indicating Low or Medium Risk. If no credit risk score is available for the listed Pro, they can remain Pre-Screened if they indicate to us they have no bankruptcies nor liens against them (as indicated on their company profile stored on our site). In this case the Credit Risk score defaults to Average/Medium.


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