The Costa Mesa, Calif., credit bureau Experian Information Solutions Inc. has developed three credit scores designed to predict delinquency rates for small businesses.

An "all-financial" score identifies businesses that are likely to go delinquent on a commercial credit card, a loan line or a lease within the next 12 months. The other scores — one for commercial credit cards and the other for retail ones — identifies businesses that are likely to become 90 days delinquent at least once, or 60 days delinquent two or more times, within that time.

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