Et scorekort er et begreb, der kan bruges i forbindelse med kreditvurderinger af kunder – både private og virksomheder.
The scorecard can contain a number of parameters and conditions that a company wants to measure and look for before granting credit to a customer.
Formålet med et scorekort er ofte at standardisere, hvad virksomheden ønsker at se efter hos en debitor, men også at give mulighed for at bedømme en kunde på lige vilkår med andre kunder.
The scorecard will usually give an amount of points, a color or a completely different value - and based on that value give the customer the opportunity to get credit, borrow money or something completely different.
The scorecard can also be used more dynamically, so if the scorecard gives x value, it triggers y credit and z credit time. It is up to the company to define the scorecard policy.
Read also: Credit rating of private customers
Read also: Credit rating of companies
How to create a scorecard
No two scorecards are the same - and many companies look for different factors when rating their customers.
Generelt kan det siges, at private virksomheder sjældent bruger formaliserede scorekort, og hvis de gør, har de ofte et meget lille scorekort – ofte blot med en eller to faktorer på – eksempelvis positiv kreditvurdering eller en positiv egenkapital.
Whereas banks and mortgage lenders, for example, often have very long and sophisticated scorecards - where factors such as credit ratings, number of times the customer has moved and where the customer lives can have an impact on how credit ratings turn out.
Our recommendation is that if you provide credit or loans to your customers, you should actively use a scorecard. This defines what is important to you - and what should be checked before granting credit or loans. The scorecard can be simple and expanded over time if the company finds it necessary to include more parameters and conditions.
For example, the scorecard could consist of a requirement for a positive profit (company), positive equity and a positive credit rating.
The scorecard and credit ratings
The scorecard is a great tool to gather the values, parameters and conditions that are in your desired credit rating.
The scorecard helps define what your credit rating should and must include - and helps guide the user through your credit policy if the scorecard gives x, y or z value.
The credit assessment and the scorecard become two sides of the same coin - helping to protect your business against bad payers, non-payments and defaulted loans and installments.
Collect credit information with Qatchr
Qatchr er en online kreditplatform, der giver dig mulighed for at foretage kreditopslag af dine kunder; private og virksomheder.
Qatchr has a number of built-in conditions that can either be looked up once - or subscribed to if desired. This could be name, address, public accounts and estimated credit limit, for example.
Qatchr also makes credit recommendations - how much and for how long you should extend credit to your customers. This can be used as an active scorecard - or as part of one.
Få en gratis og uforpligtende gennemgang af Qatchr allerede i dag – og kom i gang med at bruge kreditopslag.
