Deciding on whether to extend credit to a potential customer, increase the credit line of a present client, or to stop selling to one is by no means an easy decision in today’s uncertain economy. Credit reports enable you to evaluate if you are going to get paid—the bottom line. The reports demonstrate the company/owner’s management proficiency. Are there bankruptcies, state/federal tax liens, judgments or collections? How are other suppliers paid? What are the historical payment trends? All questions that need to be considered before saying YES.
This comprehensive report provides a current, objective picture of how a business handles its financial obligations, including detailed trade and background information critical in assessing the credit worthiness of the company.
This is a predictive report that uses advanced statistical techniques and data including tradeline and collection information, recent credit inquiries, public filings, new account activity, key financial ratios and other performance indicators to provide a risk score. Credit scoring significantly reduces subjectivity in the decision process by analyzing applicants using consistent criteria.
This report includes both the commercial and owner variables to determine the risk score. Recent studies have shown that when determining the risk potential of small businesses, evaluating both business and owner credit performance is more predictive than employing a commercial or a consumer risk model alone. Please note that you must be within the legal guidelines of the Federal Trade Commission (FTC) and federal Fair Credit Reporting Act (FCRA) to order any reports with consumer data.
A risk score and other necessary data from Experian’s consumer database is used in this report when you need to rely on the guarantor or principal's creditworthiness in order to make a business credit decision. Although the information is based on the principal/guarantor’s personal credit, this report is geared towards assessing that data from a business perspective and point of view. Please note that you must be within the legal guidelines of the Federal Trade Commission (FTC) and federal Fair Credit Reporting Act (FCRA) to order any reports with consumer data.
This is a summarized, low-cost credit report that allows users to make quick assessments on low-balance, high volume account transactions of typically less than $1,000. In addition the report is frequently used to help verify whether or not a business is active and/or legitimate
This report is available only to the participating members of an industry group. It provides payment data and other important information on customers in your specific industry.
This in-depth consumer credit report is a composite of an individual’s credit history, credit score & identification information. Experian maintains records on over 215 million consumers in its database for unparalleled accuracy & superior data quality.
International reports reduce the risk of working with unknown companies in other countries. They provide comprehensive, up-to-date business credit information on companies throughout the world. This information includes business background, company structure, key personnel, and financial assets and liabilities. International credit reports can be ordered in four different ways depending on the country and the business you are requesting the report on. The first way is Online/Instant. If a report is not available on the specific business in the database, then the company is researched and a report is generated. Normal is 7–9 days; Express is 5–6; and Superflash provides the report in 2–4 days. All reports are written in English in an easy-to-read format.
This provides reliable credit information on Canadian businesses with a payment performance score, payment performance trends, credit risk score and other key information for fast and reliable analysis of the credit risk for both prospects and existing customers. They are available Online/Instant.
This provides an extensive overview of a company, its operations, executives and the industry in which it operates. The report is available for approximately 320,000 U.S. public and private companies and is a perfect complement to the BPR. The strength of Gale News & Research lies in the wealth of information in Gale's 600 databases. This report offers: basic demographics, key people, company overview, divisions and subsidiaries, products and brands, industry group comparison, business associations within industry, news and information & corporate chronologies.
All D&B reports are available through MSCCM.
Contact MSCCM for details on the setup process—it’s quick & easy.
Mountain States Commercial Credit Management
Phone: 800-457-8244
303-806-5300 Fax: 303-806-5360
e-mail: info@msccm.com
333 W. Hampden, Suite #425, Englewood, Colorado 80110
©2009 Mountain States Commercial Credit Management, Inc. All rights reserved.
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