Business Credit Reports

Commercial Intelliscore
Business Profile Report
Business Summary Report
Industry Trade Profile
Business Owner's Profile
Small Business Intelliscore
Collection Priority Report
Account Monitor Warning

Commercial Intelliscore   sample report   Back to top

Our most popular report, the Commercial Intelliscore takes 43 vital points from the Business Profile Report, summarizes the data and analyzes the history to create a one-page scored report that makes credit decisions and lending guidelines as simple as a number between zero and one hundred.

Reduce Subjectivity with more predictive data
Experian Intelliscore is a proven credit risk scoring service, providing credit managers with an easy, quick and cost-effective way to process and monitor business accounts.
Intelliscore is an analytical system that uses advanced statistical models to measure the likelihood of derogatory payment performance. The resulting score easily identifies a business's credit risk. Set or adjust your credit policy with Intelliscore. You can analyze the profits and losses associated with each score and set your policy to meet your company's needs.

Intelliscore models are based upon trade, demographic and public record data – proven key risk predictors that lead to more effective and reliable risk management. The Intelliscore report lists key factors that influence the score, including presence of derogatory public record data, payment performance, credit experience and industry background information.

Prescreen capabilities for marketing lists
Intelliscore also can help you identify potential credit or payment risk among prospects. By screening high-risk accounts prior to marketing campaigns, you can better target potential customers and manage marketing programs to reduce cost and increase profitability.

Choose your model
Choose from two Intelliscore models:

• Commercial Intelliscore – designed for use across all industries based on analysis of companies of all sizes throughout the United States.
  
• Small Business lntelliscore – integrates information on the personal credit history of a business owner with the credit history of their business to produce a single comprehensive business credit risk score.

Intelliscore features

• A single page with a credit risk score for quick credit decisions
• Action items, set by you, to apply consistent policy company-wide
• A percentage ranking of the risk level of the business compared to all other businesses
• Easy-to-read summary on the business and its owner, if applicable, including trade payment and public record data

• Days Beyond Terms
• Trade Account Balance
• Recently Granted High Credit
• Median Credit
• Numbers of Judgments, Liens, UCC Filings, Bankruptcies
• Collections
• Total dollar amount involved with any Judgments, Liens, and UCC Filings
• Credit score

Summary and Analysis of Key Credit Indicators
Speeds Customer turn-around time

Business Profile Report   sample report     back to top

Make effective business decisions. The BPR provides actual trade payment experiences, public record information, corporation information and industry specific trade data.

Experian's most robust and comprehensive report, the Business Profile Report (BPR) presents a current, objective picture of how a business handles its financial obligations.

Information includes:

• An Executive Summary
• Days Beyond Terms vs. Industry norms
• Significant Derogatory Data
• Trade Data
• Payment Trends
• Public Record Data
• UCC Profile
• Commercial Financial Relationships
S&P’s Audited Financials

• U.S. Government Data
• Other recent Inquiries

Designed for the Credit Purist

Compare it to D & B’s Business Information Report at up to ½ the price
Optional Free Industry Trade Profile
Optional $3.00 Commercial Intelliscore
The MOST Trade Lines
The MOST Collections Data
The MOST Public Record Data
The MOST Banking Relationships

Business Summary Report   sample report     back to top

Business Summary is a low-cost summarized credit report that allows you to make quick, effective assessments of your low-balance transactions.

The summary analyzes the account's current trade experiences, determines the presence or absence of collection data and derogatory public record filings, and then classifies the account into one of the following categories:

• Acceptable - The company actively uses credit and pays its bills no later than nine days late, on average.
• Caution - A company may fall into this category in one of two ways. If the company actively uses credit, the risk category is based on the current payment performance and/or legal records on file. If the company does not actively use credit, it may pose increased risk.
• Warning - Derogatory payment performance information and/or derogatory legal records exist on file for the company.
• Serious risk - The company has seriously derogatory payment performance and/or seriously derogatory legal records on file.
• Bankruptcy - The company previously filed for bankruptcy.

Industry Trade Profile Report  sample report   back to top

• The ITiP is a special report that is designed for companies in the same industry who want to exchange their trade information.
  
• This special report lists only the tradelines from members of a TRW Industry Group on a single page report.
  
• It discloses, by a confidential ID number under each trade line, the identity of each contributor in the I.T.I.P. group. Each member receives a directory listing the identity of each contributor and their code.
  
• The industry group’s trade line total and the industry group’s DBT (Days Beyond Terms) is calculated and displayed at the bottom of the I.T.I.P. report.
  
• Automated - on line report
  

PRODUCT BENEFITS

• Eliminates time consuming and costly reference calls.
  
• Includes trade lines most relevant to your customer and identifies the contributor in a confidential code on the report.
  
• Industry specific DBT provides more accurate measure of likelihood of payment for your customer.
  
• Provides a valuable industry credit exchange service at little to no additional cost.
  

Business Owner’s Profile  sample report   Back to top  

Know who you can trust ... and who you can't
Small can be big. Just look at the percentages:

• 90 percent of all U.S. businesses are classified as "small businesses."
• 70 percent of those small businesses are sole proprietorships.
• One in five of those fails in the first three years of business.

Understand the complete financial portfolio
It's fairly common for proprietors to leverage their personal net worth to meet business obligations. If a proprietor takes out a loan against the equity in his home, that loan will not appear on a standard business credit report, but it will appear on the Business Owner Profile.

By using the Business Owner Profile you can avoid the high risk associated with small businesses while identifying good credit risks and uncovering new account opportunities.

Using the Business Owner Profile together with the Experian Business Profile allows you to better determine the overall creditworthiness of your current and potential customers. Accessing both reports may lead you to alter your decision or adjust terms before granting credit.

Expand your small business customer base
Experian Business Owner Link can automatically link the credit history of more than 5 million business owners to the credit history of their business, making it easier for you to access a Business Owner Profile on small business accounts.

The report also lists the name of the owner(s) underneath the business's name on the inquiry screen, then giving you the option to select a Business Owner Profile on one or more of the owners.

More information is available about legal guidelines for ordering a Business Owner Profile

The Business Owner’s Profile Includes:

• An Executive Summary


• Risk Profile and Scoring


• Credit Payment Profile


• Public Record


• Account Profile


• Summary of Positive and Negative Trade Experiences

Turn Small Businesses into BIG profits
Allows you to say “Yes” to more small businesses

Small Business Intelliscore    sample report     Back to top  

Getting credit information pertaining to large businesses is comparatively simple when compared to finding quality credit data for small businesses. LP’s, LLC’s, sole-proprietorships, and partnerships make up 80% of existing companies! When a small business gives you an indication that it is credit-active, but a personal guarantee from the owner would truly ice the deal, the Small Business Intelliscore is an ideal tool. Because Experian is the only credit agency with both Business and PERSONAL credit reports, we can provide a report that offers the BEST of both worlds.

(Acceptable Use Guidelines)

This 2-page report highlights both the company’s credit history AND that of the owner, combining the relevant aspects of both into a blended score using a statistically-based model that makes credit decisions quick and clear. Information includes:

• For the Owner
• Trade Account Balance
• Monthly Obligation
• Legal & Collection Balance
• Percent Current
• Account Balance to Limit Ratio
  
• For the Business
  • Days Beyond Terms
  • Five-Quarter Average Days Beyond Terms
  • Trade Account Balance
  • Recent High Credit Granted
  • Median Credit
  • Bankruptcies, Judgments, Liens, UCC’s
  • Legal Balance

Designed especially for “Mom and Pop” shops, and an integral part of your credit system

Only report of its kind
2-page summary & analysis of key credit indicators
Scores on both the company and its owner
Utilizes Experian consumer data
Speeds customer turn-around time
Customized guidelines for your staff

Collection Priority Report    Back to top  

• Will help you collect slow paying accounts faster and pinpoint who to call first for payment.
• Provide monthly comparisons comparing your account's payment history to how they are paying other vendors.
• It is most often used to prioritize your collection call list. It will show you by company name your customers who are paying other vendors better than they pay you.
  

Account Monitor Warning   sample report   Back to top  

Minimize risks
The best time to manage risk is before real trouble starts. That's why Experian has developed Portfolio Monitor - the fastest way to identify potential trouble customers.

Manage your portfolio proactively
What you don't know can hurt you. Portfolio Monitor helps you identify your problem customers and lets you take control of your portfolio intelligently. Knowing your customers better can help you attain, maintain and retain the customers your business wants.

Experian Portfolio Monitor warnings are categorized according to the type of triggers which caused the warning.

Possible categories are:

Legal
New public record filings, including bankruptcies, judgments, and tax liens. Includes releases and satisfactions if you requested them as warning triggers.

Payment Behavior
Negative changes in your account’s payment trend where the account’s payments are becoming increasingly late. This is based on a statistical analysis where the account’s current and prior month’s Days Beyond Terms (DBT) significantly exceeds the six-month historical range of DBTs experienced by the account.

Negative changes in the industry payment comparison where the account begins paying later than 70% or more of other businesses in that industry.

Derogatory Payment Data
Derogatory payment information about the account supplied by an EXPERIAN contributor.

Derogatory payment information about the account supplied by a collection agency.

Payment information just recently supplied by an EXPERIAN contributor where 51% or more of the balance owed by the account is 61 or more days past due.

Uniform Commercial Code Filings
If you specified that you wanted UCC filings to trigger warnings, you will receive then under this category.