Get The Best Business Credit Reports

Vital Insight Into How a Company Does Business

Score Summaries

From Experian, Dun & Bradstreet, and Equifax

A score summary gives you a high-level analysis of how the company will pay its bills and the probability that it will remain in business. Each supplier (Experian, Dun & Bradstreet, and Equifax) provides slightly different information, so here’s a breakdown of what’s included:

Experian Score Summary

A top-level report that combines business facts into a one-page summary of:

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Business Identity

  • Name
  • DBAs
  • Address
  • Website
  • Phone
  • Tax ID#
  • Position in corporate hierarchy
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Risk Dashboard

  • Intelliscore
  • Repayment Risk
  • Financial Stability Risk Score
  • Credit Limit Recommendation
  • Days beyond payment
    Terms
  • Derogatory legal filings and fraud alerts
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Business Description

  • State & Date of Incorporation
  • SIC & NAICS codes
  • Number of Employees
  • Stock Exchange Information and Forbes 1000 rating
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Payment & Legal Filings Summary

  • Days Beyond Terms
  • Creditor Balances
  • Bankruptcy
  • Liens
  • Judgments & UCC filings

Dun & Bradstreet Score Summary

A top-level report that uses available data to categorize and rank a company in the following areas:

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Viability

The risk of the company going out of business as well as its viability compared to similar businesses.

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Data Depth

The amount of predictive information available on the company.

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Company Profile

  • Size
  • Revenue
  • Years in Business
  • Number of Established Creditors
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This data combined to produce the company’s Paydex score that indicates the risk of slow payment on invoices.

This report also provides a Family Tree Indication that lets you know if the company is its own entity or part of a large conglomerate.

Finally, this report gives you a Total Loss Predictor that predicts the likelihood of the company paying on time.


Equifax Score Summary

A top-level report that provides the most comprehensive Score summary

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Business Identity

  • Name
  • DBAs
  • Address
  • Website
  • Phone
  • Tax ID#
  • Position in corporate hierarchy
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Risk Dashboard

  • Credit Score
  • Repayment Risk
  • Financial Stability Risk Score
  • Credit Limit Recommendation
  • Days beyond payment
    Terms
  • Derogatory legal filings and fraud alerts
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Business Description

  • State & Date of Incorporation
  • SIC & NAICS codes
  • Number of Employees
  • Stock Exchange Information and Forbes 1000 rating
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Payment & Legal Filings Summary

  • Days Beyond Terms
  • Creditor Balances
  • Bankruptcy
  • Liens
  • Judgments & UCC filings
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In addition to the above this report provides:

  • Summary level tradeline details for financial and non-financial tradelines.
  • Detailed Public Record information
  • Detailed UCC filings
  • Detailed owner/guarantor information

Complete Details

From Experian, Dun & Bradstreet, and Equifax

A Complete Detail report goes beyond the Score Summary Reports providing a deeper understanding of the factors behind the scores. Each supplier (Experian, Dun & Bradstreet, and Equifax) provides slightly different information, so here’s a breakdown of what’s included:

Experian Premier Profile

A top-level report that combines buiness facts into a one-page summary of:

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Credit Risk

  • Intelliscore Plus risk assessment by trends and industry
  • Financial Stability risk assessment by trends and industry
  • Credit Limit Recommendation
  • Payment Trending (Days Beyond Terms) for company and industry sector.
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Financial Reports

For Publicly Traded Companies:

  • Balance sheet
  • Income statement
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Business Facts

  • Corporate Family tree details
  • Secretary of State Details
  • File inquiry counts
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Trade Payment Summary

  • New and Continuous
  • Tradeline Details
  • Additional Tradeline Details
  • Details include – High Credit, balance, account status, and comments
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Derogatory Events

  • Bankruptcy
  • Suits
  • Judgments
  • Liens
  • Collections
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UCC Filings

Individually identified and listed


Dun & Bradstreet BIR Report

A comprehensive for companies that are publicly traded:

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Payment Summary

How the company pays, based on terms established with suppliers

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Payments

Amounts paid to creditors by month, including terms, balances, and past balances

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Public Filings

A list of court actions or judgments involving the company, including resolutions and awards, plus any UCC filings that indicates which creditors may be seeking liens on the company

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Primary Industries

The types of suppliers that have given terms to the company including total dollar amounts, credit limits, whether those payments were made within terms

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Financials

A detailed report providing public record information regarding Secretary of State, Liens, Judgments and Collections

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History & Operations

  • Organizational status
  • Officers
  • Employees and facilities
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Bankruptcy

In the event of a company filing for bankruptcy detailed filing information is provided

Public Records

From Dun & Bradstreet

A detailed report providing public record information regarding Secretary of State, Liens, Judgments and Collections.

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Bankruptcies

  • Counts
  • Filing Date
  • Filing Number
  • Status
  • Status Date
  • Jurisdiction
  • Trustee
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Judgments

  • Counts
  • Filing Date
  • Filing Number
  • Status
  • Status Date
  • Award
  • Creditor

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Liens

  • Counts
  • Filing Date
  • Filing Number
  • Status
  • Status Date
  • Creditor
  • Amount
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Suits

  • Counts
  • Filing Date
  • Filing Number
  • Status
  • Status Date
  • Plaintiff
  • Court
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UCC Filings

  • Counts
  • Filing Date
  • Filing Number
  • Status
  • Status Date
  • Debtor
  • Assignee