Risk Assessment Management (RAM) is a Powerful Windows-based credit management tool with the ability to mix and customize credit information the way you want. It combines your own information and D&B data, helps you enhance the effectiveness of your credit decision. Our professionals will work with you to integrate predictive score into your existing system.

With D&B Risk Assessment Manager (RAM), you can put all the credit information you depend upon at your fingertips in an easy-to-use desktop software. You can navigate quickly from analyzing a single company to looking at your whole portfolio...create and automatically update customized reports. D&B professionals also will work with you to take advantage of RAM's credit scoring features. They will help you build your own model or work with D&B's statistically based credit scoring models to create a customized RAM risk score. This will give you a new tool to segment your customers by risk classification, establish pre-set credit limits and set rules to automatically accept or reject an order.

RAM helps you to:

• Combine your customer A/C information with external D&B data
• Automate credit processing
• Customize your scorecard to reflect your credit policy by choosing information you think as important
• Centralize and standardize credit approval decisions
• Prevent mistakes by less experienced staff on credit approvals
• Combine your payment information with powerful D&B data to create reports and analysis instantly
• Segment and rank order your customer risks

RAM Consulting Service

This program is designed to maximize your use of the RAM software. D&B consulting associates will work closely with you to fully understand your specific credit and collection rules. With this information, D&B can customize the RAM software and databases for you by programming their credit and collection rules.

Once your needs and objectives are outlined, a RAM Consultant installs and implements the software and database. A training session is scheduled with you in order to review the tailored software and familiarize you with the new functions available in RAM.