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Experian Business Information

John Krickus

John is the marketing manager for business solutions for Financial Industry services for Experian. He has been is this role for 8 years and has developed information product solutions such as the Financial Stability Risk Score and the Small Business Risk Score V2, powerful models for managing risk by financial services companies. John has a 25 year background is in developing business scoring and spent 8 years with an outsourcing company managing risk portfolios utilizing scoring and automation. John is a resident of New Jersey and has a B.A. from Drew University and an M.B.A. from Lehigh University.
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Recent Posts

When You Share Credit Data, Everyone Benefits

January 27, 2016 by John Krickus

According to the U.S. Small Business Administration (SBA), small businesses account for 99.7 percent of U.S. employer firms and 64 percent of new private sector jobs. So it stands to reason that the way small businesses go, the economy probably...

What’s behind a failing business?

April 18, 2012 by John Krickus

In the movie “Casablanca”, the French police chief has a famous line, “round up the usual suspects”. The Financial Stability Risk Score, or FSR, predicts bankruptcy or severe payment default and the factors used by the scoring model are familiar...

Announcing our Financial Stability Risk Score

December 16, 2011 by John Krickus

You do not have to be the owner of Greek Treasury bonds to be concerned about the risk of a major account going bankrupt or defaulting. Slow pay is one thing, but no pay is unacceptable. To help reduce the risk of no-pay accounts, we’ve developed a...

The company looked good on the surface

September 22, 2011 by John Krickus

A credit score is looking to the future . Sometimes I will receive a question about a score, because on the surface the company looks good, but its credit score is in the high risk range.

Does one size really fit all?

August 22, 2011 by John Krickus

One of the challenges in developing credit scores for more than 25 million businesses in the U.S. is accounting for the differences. After all, statistical scoring started in order to avoid making time consuming decisions on each new account...

Helpful "codes" explain the score

August 09, 2011 by John Krickus

In the holiday favorite, “A Christmas Story,” Ralphie drinks an ocean of Ovaltine in order to receive a Little Orphan Annie decoding ring. He uses this to finally decode the cryptic messages he tracked from the end of each episode of his favorite...

What drives a business credit score?

July 20, 2011 by John Krickus

You may be familiar with your personal credit score, but do you know what factors drive a business credit score? The top three are trade, trade, and more trade information. You see, the number and percentage of trade credit lines that are considered...

Using Credit Scores to Drive Policy

July 08, 2011 by John Krickus

How do you use scores in setting a credit or risk policy? The answer actually varies widely, but there are some general rules. What is your companies risk tolerance? If margins are high, approvals are usually high also. In this situation, only the...

Taking away some of the mystery of credit scoring

June 13, 2011 by John Krickus

For most people, a credit score on a business—the Experian Intelliscore—is a bit of a mystery. In reality, the score can be thought of as solid credit analysis driven by a statistically disciplined process.

About "blended" scoring models

May 25, 2011 by John Krickus

In my last post we discussed how the best predictive performance comes from using the consumer data on the business owner and blending it with the commercial data on the business. But how does the scoring model work using both sets of data?...

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