Business Credit Report Solutions

Your Single Source for Business Credit

When evaluating business credit, the ability to make the right decisions is only as good as the data driving those decisions. Past and current performance is highly indicative of future risk. Data Facts provides business credit reports with detailed insight so you can make wise business decisions.

Current

We update our data regularly so you have a clear, accurate picture of a company’s financial standing.

Objective

Uniform decision-making processes are relevant and fair across the board.

Cost-Effective

The ROI on identifying high-risk clients BEFORE extending them credit is high.

Uncollectible Invoices

0 %

of invoices are over 6 months old

Risky Behavior

0 +

days past due is highly predictive of a financial issue

Negative Impact

0 %

of small & mid-sized businesses are impacted by late payments

Minimize Business Risk

Data Facts provides powerful information that minimizes business risk quickly and cost-effectively.

Premier Profile

The most robust of all of Experian’s business credit reports, Premier Profile provides a comprehensive view of a business’s financial obligations as well as fraud screening, credit limit recommendations, more background information, and other data. This comprehensive business report is designed to help facilitate better decision-making.

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Business Profile

This report provides a current, objective picture of how a business handles its financial obligations, including detailed trade, public record, collection, and background information — a complete commercial credit report on over 27 million businesses worldwide.

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Intelliscore Plus

Expedite the credit decision process with predictive credit risk scoring. As the strongest commercial risk model to date, this all-industry product uses business information for blended business and consumer information to predict the likelihood of delinquency within 12 months.

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Business Summary

A low cost, summary report designed to help you make sound decisions on questionable smaller accounts. This report is frequently used to help verify whether a business is active and/or legitimate. Its credit summary allows users to make quick assessments on low-balance account transactions.

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Business Owner Profile

This credit profile on a business owner provides a comprehensive look into the owner’s financial status.

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Portfolio Scoring

Implement Experian’s Intelliscore models in batch mode to assess the risk of your entire portfolio as well as each individual account. Receive an objective, statistically accurate, third-party evaluation of your accounts receivable portfolio by utilizing Experian's Intelliscore Plus model. By more fully understanding the inherent risk levels of a portfolio, you will be able to set more accurate sales and credit guidelines.

Account Monitoring

Proactively monitor your business-to-business credit portfolio and view changes to your customers' credit profiles. Manage risk better, effectively allocate resources, improve cash flow and develop stronger customer relationships for greater profitability. Manage your credit portfolios before they manage you. Establishing proven portfolio management practices is critical for every company, especially those that depend on more vulnerable small businesses, where financial resources often are limited.

Account Monitoring Service offers a comprehensive monitoring system to meet your needs for expanded triggering capabilities, enhanced filtering, greater flexibility, ease of use and more. Key to Account Monitoring Service is its comprehensive trigger set, which informs you of significant negative and positive events in your customers' credit profiles. This allows you to indicate future risk and signal up-sell and cross-sell opportunities.

Score changes
Payment behavior changes
Public record filings, including bankruptcy, liens and judgments
Collection filings
Changes in key payment ratios
Delinquent accounts
Inquiries

Premier Profile

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Business Profile

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Intelliscore Plus

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Business Summary

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Business Owner Profile

This credit profile on a business owner provides a comprehensive look into the owner’s financial status.

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Portfolio Scoring

Account Monitoring

Score changes
Payment behavior changes
Public record filings, including bankruptcy, liens and judgments
Collection filings
Changes in key payment ratios
Delinquent accounts
Inquiries

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Technology | BusinessIQ for Intelligent Decisions

BusinessIQ 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. The platform is organized into the following modules:

Core Credit

Accelerate your research and quickly pull credit reports & scores. Find the business you need to pull a report and make a credit decision, while proactively monitoring the health of your entire portfolio.

Decisioning

Set up a credit policy and receive consistent credit decisions. Also provided are recommended credit limits.

Alerts

Check for alerts on your monitored accounts under the alerts tab. Triggers will be delivered back to you based on your threshold settings.

Portfolio Analysis

Portfolio Analysis is made up of 6 sections: Summary & Performance, Risk & Aging, Concentration, Trends, Exposure, and Collections.

Why our Customers Love Us

The Data Facts team’s high level of expertise in the industry is one of the reasons we chose to use them as our screening provider. They ensure that we receive accurate reports every time, and that those reports are timely. Even during COVID-19, their team was able to find ways around closed courts to get us the information necessary, so we didn’t have to stop hiring. They are innovative in their approach and always listen to what is important to us. Their products, service, and partnership to ensure we remain compliant under the law is what sets them apart.

HR Manager in Business Services Industry

Discover the Data Facts Difference

There are many reasons why organizations all over the world trust their business to Data Facts. Our U.S.-based, experienced staff, robust platform, platinum service, and powerful integration network are just a few of the ways we go above and beyond to partner with you.