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Feb 16, 2022 · How to Get a D&B Report. There are three steps to getting a Dun & Bradstreet credit report. 1. Visit the D&B Report Website. You can get your own Dun & Bradstreet report online on the D&B website. Once you’re on the first page, you’ll need to click on “DUNS Number Lookup” under the “DUNS Number” dropdown menu. . Sandw model 15 3 serial numbers

Number. D‑U‑N‑S Number Search for your company’s or other company’s D‑U‑N‑S Number. Get Started. D‑U‑N‑S Number Establish your business, get noticed, and control your story in the global marketplace. Get Started. Information View, update, and print business information on your D&B® credit file.Get a D-U-N-S Number for free.) Step 2. Once you’ve identified your company, you must verify your identity. Step 3. As an added security measure, you must provide your business association. You must be the company’s owner, director, or officer to access D-U-N-S Manager. Step 4.A D-U-N-S ® Number is a 9-digit unique identifier for businesses. Live Business Identity, which is derived from the Dun & Bradstreet Data Cloud and aggregates all the information provided for any given entity within the Data Cloud, starts with the Dun & Bradstreet D-U-N-S ® Number. A D-U-N-S ® Number is assigned once our patented identity ...Dun & Bradstreet offers products specifically designed to help businesses understand and monitor credit on themselves and their business partners– everything from single business credit reports to full-service solutions aimed at helping you grow your business. Start today by signing up for CreditSignal for FREE.*. Try CreditSignal today for FREE!If you purchase an expedited* D-U-N-S Number you can get your D-U-N-S Number within eight business days*. Step 4. You may be contacted by a representative of Dun & Bradstreet to validate your information. Once your information has been authenticated, the process is complete. You will receive your D-U-N-S Number in an email from Dun & Bradstreet. Potentially help impact your Dun & Bradstreet scores and ratings by manually submitting Trade References †† for Dun & Bradstreet review, verification and possible acceptance with CreditBuilder Plus. Our most popular business credit solution for companies that are trying to grow, get a bank loan, win contracts, or stay ahead of the competition.Free D-U-N-S Number Services. Search for a D-U-N-S Number: Search for a company by name, location, or telephone number; DUNS Manager: View, print, and manage information in your company’s D&B file; Free D-U-N-S Number: Get a D-U-N-S Number in up to 30 days through the standard request process; Expedited D-U-N-S Number ServicesGet a D-U-N-S Number for free.) Step 2. Once you’ve identified your company, you must verify your identity. Step 3. As an added security measure, you must provide your business association. You must be the company’s owner, director, or officer to access D-U-N-S Manager. Step 4. Introducing D&B Connect Faster and Easier Access to Your Data and Insights - Transform how you use data to grow your business with D&B Connect™ Learn More. Finance Solutions Efficiency demands intelligence. Dun & Bradstreet offers powerful solutions to streamline your finance operations, manage risk, and enhance business insights. E ...The D-U-N-S Number is a unique nine-digit identifier for businesses. It is used to establish a D&B business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question. “D-U-N-S,” which stands for Data Universal Numbering System, is ... A swift, one-step solution to claim and help maintain a consistent business identity in the Dun & Bradstreet Business Directory and across the web. FREE - Add hours of operation, languages spoken, payment methods accepted, and social media URLs and other fields to your D&B Business Directory profile. Add a custom company description and tagline ...Leap Into Malaysia’s Digital Economy With 5G. Digital Nasional Berhad has identified several major industries that could be early beneficiaries of the 5G deployment, including oil and gas, ports, tourism, education, healthcare, agriculture, manufacturing, retail, as well as power and utilities.The PAYDEX measures a business’s past payment performance based on information in the Dun & Bradstreet Data Cloud. On a scale of 1 to 100, scores of 80 and above are considered low risk and could potentially increase a business’s credibility to creditors. A business’s PAYDEX Score is roughly equivalent to an individual’s FICO credit ...Dun & Bradstreet offers products specifically designed to help businesses understand and monitor credit on themselves and their business partners– everything from single business credit reports to full-service solutions aimed at helping you grow your business. Start today by signing up for CreditSignal for FREE.*. Try CreditSignal today for FREE!Not hard at all. Just go to D&B's site to Apply for a D& B Number. After completing the form, you will receive your D&B number (i.e. your D-U-N-S Number) within 30 business days. If you need to change your information in the future, you can do so by using D&B's eUpdate tool. Need a D&B number faster than 30 days?Search by Company Registration Number. Find a UK company's D-U-N-S Number by entering the full Company Registration Number. Please ensure you include any leading zeros or any prefixed letter(s).D-U-N-S® Manager Dun & Bradstreet ... ChatCustomer service portal for D&B solutions/services. Request a D-U-N-S Number, update your company information, get product help, access live support options. Dun & Bradstreet offers products specifically designed to help businesses understand and monitor credit on themselves and their business partners– everything from single business credit reports to full-service solutions aimed at helping you grow your business. Start today by signing up for CreditSignal for FREE.*. Try CreditSignal today for FREE!The Dun & Bradstreet D-U-N-S Number is a unique nine-digit identifier for businesses. This number is assigned once our patented identity resolution process, part of our DUNSRight ™ methodology, identifies a company as being unique from any other in the Dun & Bradstreet Data Cloud.Oct 8, 2021 · Here are the steps to find the appropriate number for your goods using the U.S. Census Bureau’s Schedule B search engine. To find the Schedule B search engine, you should start at census.gov/trade and click on the gray Schedule B tab. The link to the search engine is located in the second red box labeled Schedule B Search. The D-U-N-S Number is a unique nine-digit identifier for businesses. It is used to establish a D&B business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question. “D-U-N-S,” which stands for Data Universal Numbering System, is ...Number. D‑U‑N‑S Number Search for your company’s or other company’s D‑U‑N‑S Number. Get Started. D‑U‑N‑S Number Establish your business, get noticed, and control your story in the global marketplace. Get Started. Information View, update, and print business information on your D&B® credit file.D-U-N-S® Manager Dun & Bradstreet ... Chat Dun & Bradstreet helps companies improve their business performance through data and insights delivered through our Data Cloud and Live Business IdentityWe would like to show you a description here but the site won’t allow us.The only difference between the two courses is when a candidate chooses academics as their career option. Many institutions prefer MD/MS graduates over DNB graduates when it comes to the teaching profession. DNB holders with three or more years of teaching experience have a better chance of landing a job in academics. Job Profile.Get a D-U-N-S Number for free.) Step 2. Once you’ve identified your company, you must verify your identity. Step 3. As an added security measure, you must provide your business association. You must be the company’s owner, director, or officer to access D-U-N-S Manager. Step 4. We would like to show you a description here but the site won’t allow us.We would like to show you a description here but the site won’t allow us. Types, Definitions & More. A D&B Rating is a type of credit score used to evaluate the creditworthiness of small businesses. D&B, short for Dun & Bradstreet, is one of three major small-business credit reporting agencies, the others being Equifax and Experian. Business credit scores are not as familiar as personal credit scores. Types, Definitions & More. A D&B Rating is a type of credit score used to evaluate the creditworthiness of small businesses. D&B, short for Dun & Bradstreet, is one of three major small-business credit reporting agencies, the others being Equifax and Experian. Business credit scores are not as familiar as personal credit scores. The PAYDEX ® score is a business credit score that’s generated by Dun and Bradstreet (D&B). Their model analyzes a business’ payment performance (i.e., if it pays its bills on time) and gives it a numerical score from 1 to 100, with 100 signifying a perfect payment history. Just like a consumer’s creditworthiness hinges on a FICO score ...Altogether, there are about 650,000 companies with SIC and NAICS codes for restaurants in the US, according to Dun & Bradstreet. For more analysis on the manufacturing industry sector and for a complete list of SIC codes and NAICS codes, see D&B Hoovers industry insights for manufacturing. NAICS Codes for Manufacturing: 321113. Sawmills. 327213.A Schedule B number is an export code assigned by the U.S. Census Bureau, Foreign Trade Division to classify all exported physical products. The code provides a way for companies to find the import nation’s specific product number, thereby determining duty rate. All codes are part of the international Harmonized System (HS).Aug 8, 2017 · – Includes year founded, number of employees, working capital, sales data and net worth information. • D&B rating – Provides information on the size of the company and its overall credit worthiness. • D&B PAYDEX score – Rates the ability of the company to make payments over the past 2 years. • Predictive analytics Use our commercial database of more than 120 million business records & industry directory for company research & industry analysis. Start sales research here.Data from the Dun & Bradstreet Data Cloud is delivered in packages called Data Blocks - logical, topic-based groupings of data elements. Data Blocks empower clients to easily ingest in a consistent and scalable manner the world-class data they require across their enterprise. Clients can ‘stack’ data blocks together to customize the data ...Feb 16, 2022 · How to Get a D&B Report. There are three steps to getting a Dun & Bradstreet credit report. 1. Visit the D&B Report Website. You can get your own Dun & Bradstreet report online on the D&B website. Once you’re on the first page, you’ll need to click on “DUNS Number Lookup” under the “DUNS Number” dropdown menu. Country Risk and the Global Outlook - August 2023 The Country Insight Group August 16, 2023 Read Dun & Bradstreet's Country Risk Analysis to see which countries have had their risk indicators upgraded or downgraded, and what the future outlook may hold ...D-U-N-S® Manager Dun & Bradstreet ... ChatWe would like to show you a description here but the site won’t allow us.Definition of the D&B D-U-N-S Number: The D&B D-U-N-S® Number is a unique nine-digit identifier for businesses. It is used to establish a Dun & Bradstreet business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question.Dun & Bradstreet offers a variety of online tools to help you seek to manage your business credit file with 24/7 access to view information in your business credit file, as well as the ability to potentially impact your scores and ratings.*Diplomate of National Board (DNB) is a Post-graduate Master's degree same as MD/MS degree awarded to the Specialist Doctors in India after completion of three year residency. DNB courses are run and the degrees are awarded by the National Board of Examinations (NBE), New Delhi, an autonomous academic body under the Ministry of Health and Family ...– Includes year founded, number of employees, working capital, sales data and net worth information. • D&B rating – Provides information on the size of the company and its overall credit worthiness. • D&B PAYDEX score – Rates the ability of the company to make payments over the past 2 years. • Predictive analyticsGetting your D&B D-U-N-S Registered Seal may help you: Differentiate your business from peers and competition. Gain more exposure through the millions of visitors on Dun & Bradstreet’s Business Directory. Give more confidence to potential lenders, suppliers, vendors, and more!The PAYDEX Score is a dollar-weighted indicator intended to reflect a business’s past payment performance. Companies receive a score between 1 and 100, where a higher number represents a greater likelihood that a business will pay its debts on time. This proprietary score is calculated based upon Trade Experiences, which are records of ...The report includes the company name, address and phone number, along with any available "doing business as" information. It gives a credit rating, which isn't a credit score per se.Data Universal Numbering System. The Data Universal Numbering System, abbreviated as DUNS or D-U-N-S, is a proprietary system developed and managed by Dun & Bradstreet (D&B) that assigns a unique numeric identifier, referred to as a "DUNS number" to a single business entity. It was introduced in 1963 to support D&B's credit reporting practice.Get a D-U-N-S Number for free.) Step 2. Once you’ve identified your company, you must verify your identity. Step 3. As an added security measure, you must provide your business association. You must be the company’s owner, director, or officer to access D-U-N-S Manager. Step 4.A D&B rating has three characters. The first two estimate your business's net worth or equity, because bigger companies are considered more creditworthy than small ones. The third is the composite credit appraisal, a score of 1 to 4 that shows D&B's assessment of your financial reliability. A ranking of 5A1 is the highest score.Search by Company Registration Number. Find a UK company's D-U-N-S Number by entering the full Company Registration Number. Please ensure you include any leading zeros or any prefixed letter (s). If your company is based outside of the UK or Ireland, please use our International D‑U‑N‑S FAQ page to locate your local office.Definition of the D&B D-U-N-S Number: The D&B D-U-N-S® Number is a unique nine-digit identifier for businesses. It is used to establish a Dun & Bradstreet business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question. The PAYDEX Score is a dollar-weighted indicator intended to reflect a business’s past payment performance. Companies receive a score between 1 and 100, where a higher number represents a greater likelihood that a business will pay its debts on time. This proprietary score is calculated based upon Trade Experiences, which are records of ... The only difference between the two courses is when a candidate chooses academics as their career option. Many institutions prefer MD/MS graduates over DNB graduates when it comes to the teaching profession. DNB holders with three or more years of teaching experience have a better chance of landing a job in academics. Job Profile.A D-U-N-S ® Number is a 9-digit unique identifier for businesses. Live Business Identity, which is derived from the Dun & Bradstreet Data Cloud and aggregates all the information provided for any given entity within the Data Cloud, starts with the Dun & Bradstreet D-U-N-S ® Number. A D-U-N-S ® Number is assigned once our patented identity ...Diplomat of National Board. Miscellaneous » Unclassified. Rate it: DNB. Also stand for Dutch National Bank. Business » Banking. Rate it: DNB. Died Non Battle.The first step required when registering for a DUNS Number. 2. Search Your Company. Next, D&B will ask for your business name and address. Upon hitting the search button, D&B’s database will check to see if your business is in their system. If your company information is in the system, it means that D&B already has a profile and DUNS Number ...Getting a free Dun & Bradstreet D-U-N-S Number is one of the first steps in the process to establish credit. It’s the identifying number for a business in the Dun & Bradstreet commercial credit database, and your business must be assigned one in order to create a business credit profile in their system. In addition to potentially establishing ...Corporate Headquarters (US) 5335 Gate Parkway. Jacksonville, FL 32256. (904)-648-6350. Get Directions.Look up a Canada D-U-N-S Number with the company’s name and location. Search Now. (866) 990-5845. Get in touch with D&B Sales for new purchases! (Or visit customer support regarding updates to your D&B company information.)D-U-N-S® Manager Dun & Bradstreet ... ChatA DUNS number, or Data Universal Numbering System number, is a unique nine-digit identifier assigned to businesses. It’s a key tool in establishing credibility and recognition, which are vital for attracting customers, accessing new resources, and driving growth in the competitive marketplace of today.We would like to show you a description here but the site won’t allow us.Feb 16, 2022 · How to Get a D&B Report. There are three steps to getting a Dun & Bradstreet credit report. 1. Visit the D&B Report Website. You can get your own Dun & Bradstreet report online on the D&B website. Once you’re on the first page, you’ll need to click on “DUNS Number Lookup” under the “DUNS Number” dropdown menu. Normal processing can take up to 30 business days. If you purchase an expedited* D-U-N-S Number you can get your D-U-N-S Number within eight business days*. Step 4. You may be contacted by a representative of Dun & Bradstreet to validate your information. Once your information has been authenticated, the process is complete.A DUNS number is a unique nine-digit ID number that is also known as a D&B number and is short for Data Universal Numbering System. This number, which is like having a social security number for your business, is issued by Dun & Bradstreet to any business that completes their informational profile. This profile is put into a database with 225 ...Customer service portal for D&B solutions/services. Request a D-U-N-S Number, update your company information, get product help, access live support options.D-U-N-S® Manager Dun & Bradstreet ... ChatHow to Get a D&B Report. There are three steps to getting a Dun & Bradstreet credit report. 1. Visit the D&B Report Website. You can get your own Dun & Bradstreet report online on the D&B website. Once you’re on the first page, you’ll need to click on “DUNS Number Lookup” under the “DUNS Number” dropdown menu.Aug 3, 2022 · A business that contracts with government agencies is required to have a DUNS number. A DUNS number is also useful for businesses that are planning to seek financing or grow their business to make it easy for lenders to understand a business’ credit history. One thing to be aware of once a DUNS number is created is public findings, judgments ... The PAYDEX measures a business’s past payment performance based on information in the Dun & Bradstreet Data Cloud. On a scale of 1 to 100, scores of 80 and above are considered low risk and could potentially increase a business’s credibility to creditors. A business’s PAYDEX Score is roughly equivalent to an individual’s FICO credit ... The D-U-N-S Number is a unique nine-digit identifier for businesses. It is used to establish a D&B business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question. “D-U-N-S,” which stands for Data Universal Numbering System, is ...We would like to show you a description here but the site won’t allow us.2. Register for a Dun & Bradstreet D-U-N-S ® Number. The D-U-N-S Number is a unique identifier for your business, and it’s available for free from Dun & Bradstreet. This will be the number some lenders and potential business partners use to check your business’s credit profile, so you want to have it available before applying for a loan. 3. Customer service portal for D&B solutions/services. Request a D-U-N-S Number, update your company information, get product help, access live support options. 2. Register for a Dun & Bradstreet D-U-N-S ® Number. The D-U-N-S Number is a unique identifier for your business, and it’s available for free from Dun & Bradstreet. This will be the number some lenders and potential business partners use to check your business’s credit profile, so you want to have it available before applying for a loan. 3. A D&B Number and an EIN (Employer Identification Number) operate with the same principle of making a business identifiable. However, they both distinguish a business differently. A D&B number acts as a certificate of authenticity for a business’ credit score. An EIN is a legally required number for any business to hire employees and operate ...D&B Hoovers leverages the world's largest commercial data cloud with more than 170 million business records and analytics to deliver a sales intelligence solution that enables sales and marketing professionals to focus on the right prospects so they can generate immediate growth for their business. Download D&B Hoovers Product Brochure. Potentially help impact your Dun & Bradstreet scores and ratings by manually submitting Trade References †† for Dun & Bradstreet review, verification and possible acceptance with CreditBuilder Plus. Our most popular business credit solution for companies that are trying to grow, get a bank loan, win contracts, or stay ahead of the competition.The Schedule B is maintained by the United States Census Bureau (USCB) and is based on the 4–6-digit headings and subheadings of the Harmonized Tariff Schedule. The U.S. Census Bureau keeps records of the number of exports by country, quantity, and value in U.S. dollars. The Schedule B Search Engine is available on USCB's website.Getting a free Dun & Bradstreet D-U-N-S Number is one of the first steps in the process to establish credit. It’s the identifying number for a business in the Dun & Bradstreet commercial credit database, and your business must be assigned one in order to create a business credit profile in their system. In addition to potentially establishing ...Number. D‑U‑N‑S Number Search for your company’s or other company’s D‑U‑N‑S Number. Get Started. D‑U‑N‑S Number Establish your business, get noticed, and control your story in the global marketplace. Get Started. Information View, update, and print business information on your D&B® credit file.professional account management. Call 1-800-264-1034. Call 1-800-700-2733 or to speak with a Credit Advisor today. No, you don’t need a tax ID to get a DUNS number. Dun & Bradstreet will use other means to verify your business, including: – Business name. – Business entity structure (LLC, C-Corp, S-Corp, etc.) – Year the business was started. – Business address. – Phone number. – Name (s) of owner (s) – Industry/line of business.Dun & Bradstreet. The Dun & Bradstreet Corporation is an American company that provides commercial data, analytics, and insights for businesses. [3] Headquartered in Jacksonville, Florida, the company offers a wide range of products and services for risk and financial analysis, operations and supply, and sales and marketing professionals, as ... We would like to show you a description here but the site won’t allow us.Aug 3, 2022 · A business that contracts with government agencies is required to have a DUNS number. A DUNS number is also useful for businesses that are planning to seek financing or grow their business to make it easy for lenders to understand a business’ credit history. One thing to be aware of once a DUNS number is created is public findings, judgments ... Oct 8, 2021 · Here are the steps to find the appropriate number for your goods using the U.S. Census Bureau’s Schedule B search engine. To find the Schedule B search engine, you should start at census.gov/trade and click on the gray Schedule B tab. The link to the search engine is located in the second red box labeled Schedule B Search. Our Company. Dun & Bradstreet helps companies leverage data and analytical insights to take more intelligent actions that deliver a competitive edge. Data and insights are delivered through the Dun & Bradstreet Data Cloud and the solutions it powers. Vision & Values. History. Security. Our Leadership.The PAYDEX Score is a dollar-weighted indicator intended to reflect a business’s past payment performance. Companies receive a score between 1 and 100, where a higher number represents a greater likelihood that a business will pay its debts on time. This proprietary score is calculated based upon Trade Experiences, which are records of ...

Feb 16, 2022 · The first step required when registering for a DUNS Number. 2. Search Your Company. Next, D&B will ask for your business name and address. Upon hitting the search button, D&B’s database will check to see if your business is in their system. If your company information is in the system, it means that D&B already has a profile and DUNS Number ... . Dresses on sale at macy

what is dandb number

A D-U-N-S ® Number is a 9-digit unique identifier for businesses. Live Business Identity, which is derived from the Dun & Bradstreet Data Cloud and aggregates all the information provided for any given entity within the Data Cloud, starts with the Dun & Bradstreet D-U-N-S ® Number. A D-U-N-S ® Number is assigned once our patented identity ...The Rating Classification is a combination of numbers and letters that reflect a business’s size based on worth or equity. It is only assigned if a business has supplied Dun & Bradstreet with a current financial statement. At the upper end of the spectrum, a 5A rating represents a business with a net worth of $50 million or more.A Schedule B number is an export code assigned by the U.S. Census Bureau, Foreign Trade Division to classify all exported physical products. The code provides a way for companies to find the import nation’s specific product number, thereby determining duty rate. All codes are part of the international Harmonized System (HS).Feb 16, 2022 · How to Get a D&B Report. There are three steps to getting a Dun & Bradstreet credit report. 1. Visit the D&B Report Website. You can get your own Dun & Bradstreet report online on the D&B website. Once you’re on the first page, you’ll need to click on “DUNS Number Lookup” under the “DUNS Number” dropdown menu. Corporate Headquarters (US) 5335 Gate Parkway. Jacksonville, FL 32256. (904)-648-6350. Get Directions. We would like to show you a description here but the site won’t allow us.D-U-N-S® Manager Dun & Bradstreet ... Chat Feb 8, 2023 · Getting a free Dun & Bradstreet D-U-N-S Number is one of the first steps in the process to establish credit. It’s the identifying number for a business in the Dun & Bradstreet commercial credit database, and your business must be assigned one in order to create a business credit profile in their system. In addition to potentially establishing ... professional account management. Call 1-800-264-1034. Call 1-800-700-2733 or to speak with a Credit Advisor today. The D&B number (D-U-N-S® Number) is a Unique 9-Digit Identifier for your Businesses. It is used to establish a business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question. Learn what a Dun & Bradstreet D-U-N-S® Number is and what it can mean to your business. Credibility Insights Timely and informative information for business owners looking to grow and hire . Free Solutions DUNS Manager View, print, and manage information in your company’s D&B® file. CreditSignalSite Map. In the UK Dun & Bradstreet Limited is certified to ISO 27001 and is authorised & regulated by the Financial Conduct Authority in relation to providing credit references on non-limited companies. Dun & Bradstreet Limited is registered in England. Registered address: The Point, 37 North Wharf Road, London, W2 1AF. The D&B D-U-N-S® Number is a unique nine-digit identifier for businesses. It is used to establish a business credit file, which is often referenced by lenders and potential business partners to help predict the reliability and/or financial stability of the company in question. D-U-N-S, which stands for data universal number system, is used to ...Types, Definitions & More. A D&B Rating is a type of credit score used to evaluate the creditworthiness of small businesses. D&B, short for Dun & Bradstreet, is one of three major small-business credit reporting agencies, the others being Equifax and Experian. Business credit scores are not as familiar as personal credit scores.Number of Employees at your physical location; Once this information is passed to Dun & Bradstreet, they can process your request and assign your business a DUNS number. DUNS numbers vs. EIN numbers. Because of a number of similarities, DUNS numbers can often be confused with EIN numbers (which also happens to be a nine-digit number). The PAYDEX measures a business’s past payment performance based on information in the Dun & Bradstreet Data Cloud. On a scale of 1 to 100, scores of 80 and above are considered low risk and could potentially increase a business’s credibility to creditors. A business’s PAYDEX Score is roughly equivalent to an individual’s FICO credit ...There are few different ways to get a DUNS number. You can visit D&B's DUNSFile page or call 1-866-374-0441. Since 1981, Harvard Business Services, Inc. has helped form 374,360 Delaware corporations and LLCs for people all over the world. Harvard Business Services, Inc. guarantees your annual Delaware Registered Agent Fee will remain fixed at ...Country Risk and the Global Outlook - August 2023 The Country Insight Group August 16, 2023 Read Dun & Bradstreet's Country Risk Analysis to see which countries have had their risk indicators upgraded or downgraded, and what the future outlook may hold ....

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