Frequently Asked Questions

Edge Report

International Reports

Bankruptcy

I can't find the company I'm looking for in Company Search.

  • Verify important information, such as the company's name and location.
  • Many companies have different names or multiple locations. If you're not sure about a company name or location, contact them before pulling their report.
  • Google search companies to find additional information about them.
  • If there are multiple listings of the same company; same DBA:
    Verify the address, and then use the report with the correct address.
  • If there are multiple listings of the same company with the same address, then use the listing with the most trade lines.
  • You will be billed for every report downloaded, so make sure you have the right listing.

I can't view my report.

  • After your report has been created, you'll be able to "View Report" or "Download Report."
  • To view or download the report; click on the Color tab for a color report, or the Black & White tab for a black and white report.
  • Click the box labeled "Show All UCC Filings" if you'd like to see more than 10 UCCs.
  • From this screen you'll also have the option to run a new report, or go to your report history.
  • Click the New Report tab for a new report, or click the Report History tab to view your report history.

Does a report in color cost more than a report in black & white?

  • There is no additional cost to view reports in color, it is a visual preference.

How long will a report remain in Report History?

  • Reports will remain in Report History as long as you have your CCR account.
  • The reports will remain unchanged over time. If you need to view updated reports, you'll have to download them again.

Why does it say "Proceed with caution (see report details)" for Credit Logic Score and/or Credit Limit Recommendation?

  • There are multiple factors leading to a "Proceed with caution" warning. Please contact your Commercial Credit Reports representative if you have any questions.

How many users can I add to my account?

  • You may add as many users to your account as you'd like.

If I need to see a report again should I download it a second time?

  • No, use Report History to view downloaded reports.
  • If you're having trouble downloading a report please call for assistance.
  • Avoid downloading a report multiple times.

Is there a guide to D&B’s U.S. Ratings and Scores

What are UCC and Cautionary UCC filings?

  • UCC filings are required whenever a company pledges assets as collateral.
  • The presence of cautionary UCC filings indicates that the business has pledged key assets such as accounts, accounts receivable, contracts, hereafter-acquired inventory, leases, notes receivable or proceeds to secure financing. Use of these critical assets may indicate that the business is under financial stress.

EDGE Report

Why does an upgraded EDGE report still say EDGE on it and what additional information does it contain?

  • An upgraded EDGE report will contain the same information as an Advantage report.
  • The missing details will be added to the existing report when you upgrade.

How long will I have to upgrade an EDGE Report?

  • After downloading an EDGE report you'll have 48 hours to download the back-up details.
  • After 48 hours you'll have to download the Advantage report at full price.

International Reports

Are there other report types for Canadian/International Reports?

  • For both Canadian and International Reports there is only one report type.

How long will my International Report request take?

  • International Reports may take between 2 - 14 business days.
  • You will receive an email from Commercial Credit Reports containing your International Report.
  • If you haven't received your report within two weeks, check your junk mail box. If you still can't find your report call (800) 748-6290.

How much does each report cost?

  • Please contact your sales rep for current pricing

Bankruptcy

What is a discharge in bankruptcy?

  • A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.
  • Although a debtor is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.

Who is eligible for a Chapter 7 Bankruptcy?

  • To qualify for relief under chapter 7 of the Bankruptcy Code, the debtor may be an individual, a partnership, or a corporation or other business entity.
  • An individual cannot file under chapter 7 or any other chapter, however, if during the preceding 180 days a prior bankruptcy petition was dismissed due to the debtor's willful failure to appear before the court or comply with orders of the court, or the debtor voluntarily dismissed the previous case after creditors sought relief from the bankruptcy court to recover property upon which they hold liens.
  • One of the primary purposes of bankruptcy is to discharge certain debts to give an honest individual debtor a "fresh start." The debtor has no liability for discharged debts. In a chapter 7 case, however, a discharge is only available to individual debtors, not to partnerships or corporations.
  • Although an individual chapter 7 case usually results in a discharge of debts, the right to a discharge is not absolute, and some types of debts are not discharged. Moreover, a bankruptcy discharge does not extinguish a lien on property.

What is a Chapter 9 Bankruptcy?

  • The purpose of chapter 9 is to provide a financially-distressed municipality protection from its creditors while it develops and negotiates a plan for adjusting its debts. Reorganization of the debts of a municipality is typically accomplished either by extending debt maturities, reducing the amount of principal or interest, or refinancing the debt by obtaining a new loan.

What is a Chapter 11 Bankruptcy?

  • A case filed under chapter 11 of the United States Bankruptcy Code is frequently referred to as a "reorganization" bankruptcy.
  • Chapter 11 is typically used to reorganize a business, which may be a corporation, sole proprietorship, or partnership. A corporation exists separate and apart from its owners, the stockholders.
  • The chapter 11 bankruptcy case of a corporation (corporation as debtor) does not put the personal assets of the stockholders at risk other than the value of their investment in the company's stock.
  • A sole proprietorship (owner as debtor), on the other hand, does not have an identity separate and distinct from its owner(s). Accordingly, a bankruptcy case involving a sole proprietorship includes both the business and personal assets of the owners-debtors.
  • Like a corporation, a partnership exists separate and apart from its partners. In a partnership bankruptcy case (partnership as debtor), however, the partners' personal assets may, in some cases, be used to pay creditors in the bankruptcy case or the partners, themselves, may be forced to file for bankruptcy protection.

What is a Chapter 12 Bankruptcy?

  • Chapter 12 is designed for "family farmers" or "family fishermen" with "regular annual income."
  • It enables financially distressed family farmers and fishermen to propose and carry out a plan to repay all or part of their debts. Under chapter 12, debtors propose a repayment plan to make installments to creditors over three to five years. Generally, the plan must provide for payments over three years unless the court approves a longer period "for cause."
  • But unless the plan proposes to pay 100% of domestic support claims (i.e., child support and alimony) if any exist, it must be for five years and must include all of the debtor's disposable income. In no case may a plan provide for payments over a period longer than five years.

Who is eligible for a Chapter 13 Bankruptcy?

  • Any individual, even if self-employed or operating an unincorporated business, is eligible for chapter 13 relief as long as the individual's unsecured debts are less than $360,475 and secured debts are less than $1,081,400. 11 U.S.C. These amounts are adjusted periodically to reflect changes in the consumer price index. A corporation or partnership may not be a chapter 13 debtor.

What is a Chapter 15 Bankruptcy?

  • Chapter 15 gives foreign creditors the right to participate in U.S. bankruptcy cases and it prohibits discrimination against foreign creditors (except certain foreign government and tax claims, which may be governed by treaty).  It also requires notice to foreign creditors concerning a U.S. bankruptcy case, including notice of the right to file claims.