Business Credit Reports

Knowing more about your business prospects, customers and vendors helps you make more confident decisions and set terms that optimize profitability while minimizing risk.

We offer a full suite of solutions so you can choose the business credit report that best meets your needs.

Whether you need domestic or international business credit reports, MCB offers vast coverage and depth of information, through Experian Business IQ. Business IQ provides credit professionals with an integrated, easy to use, web-based interface to Experian information, including analysis and decisioning tools designed to maximize the benefits of the information across the lifecycle of your customers.

From verified business identities and detailed credit history to business owner and corporate linkage, Experian Business Credit Reports give you the deepest level of insight into the validity, financial stability and performance of more businesses.

 

What’s Inside Your Experian Business Credit Report

Experian business credit reports offer critical information about your business (and those you do business with). Here are some of the items you’ll find in our reports and how they can benefit you.

Item Benefit
Business Background Information Identify ownership, parent companies, and subsidiaries
Company Financial Information Assess credit risk of extending terms and determine appropriate credit levels
Credit Score and Risk Factors Monitor existing customers’ ability to pay and adjust credit terms before problems arise
Banking, Trade, and Collection History Gain insight into an account’s historical payment history
Liens, Judgments, and Bankruptcies Quickly evaluate potential customers to avoid risky transactions
Uniform Commercial Code Filings Determine your credit position relative to other creditors

EXPERIAN BUSINESS IQ

Your single source for Business Credit. The Information you trust to make sound Business Decisions.
Click here for a Business IQ Product Sheet.

Business Profile
Experian’s comprehensive business credit report that utilizes third-party, objective data to provide a complete view of your commercial customers and prospects.

Premier Profile
A comprehensive business report that is designed to help facilitate better decision making by highlighting the information contributing to a company’s overall risk potential.

Business Summary
Business Summary Report is a low-cost summarized credit report for low-balanced accounts (generally considered to be less than $1,000). The report 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 risk categories.

International Reports
Our resources provide database and freshly investigated credit information on public and private companies throughout the world. Data from over 230 countries with comprehensive content.

Supplier Profile
The freshest information on any supplier you need to research.

Intelliscore Plus
Use the Intelliscore when you want to improve decision turnaround times and increase productivity while reducing overall operational cost.

Decision IQ
A premium end-to-end application that fully automates the credit decisioning process. It’s fast and reliable, requiring no manual data entry. With integrated workflow processing and a rules-based decisioning engine, it delivers the streamlined credit application experience your customers demand — and lowers customer acquisition costs for you.

Information w/ Sample Report

NEW PRODUCTS

Canadian Profile Report – Real Time

Experian’s Canadian Profile real-time reports offer comprehensive business credit data on more than 3.7 million companies. With a gross domestic product of more than $1.53 trillion USD, Canadian businesses are a formidable presence in international exports and trade. Subsequently, having access to business information reports for Canadian companies is becoming essential for many U.S. businesses.

With the launch of the Canadian Profile real-time reports, we now offer comprehensive business credit reports that not only provide a credit score. There’s also detailed industry payment data to help you make informed credit risk assessments and to serve as your go-to source for Know Your Customer and anti–money laundering requirements in Canada.

What’s included with the Canadian Profile real-time reports:

Comprehensive business credit information on more than 3.7 million public and private companies

Four different Canadian reports, depending on your risk assessment needs

Highlights of business firmographics

Report and score dashboard

Industry trade summary and trade details

Collection and legal details

And much more

 

Canadian Profile Product Sheet

Business Owner Reports

Determine whether personal finances are supporting the business or vice versa. This report is critical in cases reliant on the principal’s resources for the credit decision.

  • Business Owner Profile
    Minimize risk when extending credit to small business owners.
  • Business Owner Background Report
    Expanded view of a business principal’s business and fraud risks.

Commercial Fraud Suite

  • BizID
    Assesses the fraud risk of small business applicants by combining score-based analytics with Experian’s extensive business and consumer data sources.
  • Business Verify
    Enhanced business verification that combines public records, contact data and marketing data, and commercial data to increase hit rate.
  • Business Compliance Insight Report
    Due diligence report helping to quickly and cost effectively identify fraud, reputational and regulatory risk.

Account Monitoring

A comprehensive monitoring tool that helps you take action quickly when changes occur with your customers or suppliers. Choose the events relevant to you so only the most important alerts are brought to your attention.

  • Portfolio Monitor
    Identify risks and opportunities within your portfolio of customers
  • Alerts
    Alerts give you the ability to stay ahead of your customers, reduce delinquency and bad debt, improve collection results, and reduce labor costs associated with managing customers

Portfolio Scoring

Identify risks and opportunities within your customer portfolio

  • Intelliscore Plus
    Evaluate business risk and expedite credit decisions
  • Intelliscore Plus Blended
    Intelliscore Plus Blended provides you with all the benefits of Intelliscore Plus, and:

    • Owner / Guarantor Account Information
    • Owner / Guarantor Derogatory Filings and Payment Status

    Trust Experian Business Credit Reports to help you clearly spot immediate and future risk.

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