Premier Profile is the most robust of all Experian business credit reports, this report provides a comprehensive view of a business’s financial obligations as well as fraud screening, credit limit recommendation, more background information on the business and more data. It provides “quick glimpse” views and comprehensive details related to business payment performance, public record history, and background information so you can quickly and precisely determine the creditworthiness of a business.
This credit profile provides a current, objective picture of how a business handles its financial obligations, including detailed trade, public record, collection, and background information. Corporate Record: Filings from all 50 states.
Commercial – Experian’s strongest commercial risk model to date, this all-industry product uses business information or blended business and consumer information to predict the likelihood of delinquency within 12 months.
Blended (Includes Owner Data) – When providing guarantor information at the time of the inquiry, the report integrates both the business’ and the business owner’s credit history. Studies have shown that for small businesses, combined business and consumer data give a more complete representation of risk. FCRA regulations apply when purchasing blended information.
A one-page report often used to help verify whether a business is active and/or legitimate, this credit summary allows making quick assessments on low-balance account transactions (generally less than $1,000).
Business Owner Report
Determine whether personal finances are supporting the business or vice versa. This report is critical in cased reliant on the principal’s resources for the credit decision. FCRA regulations apply when purchasing owner data.
- Business Owner Profile (BOP) – This credit profile on a business owner provides a comprehensive look int the owner’s financial status. If limited trade payment information is available from a Business Profile (BP) or Intelliscore, MCB suggests accessing the principals’ credit history.
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