Ah, thought I was heading towards a bad joke?  Well, while it may be tempting to follow that through, I was really talking about trade payments needed to make a credit decision.  When I started in the data business all those years ago, my primary responsibility was to review credit reports all day.  I was [...]

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In my previous post, I talked about how the technology environment enables our Corporate Linkage solution, and promised to describe how the “linkage recipe” works – so here we go. Let’s start with what is eligible for linkage and why.  Since our customers are looking for data that helps them assess risk and accountability for [...]

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In a previous post I advanced the idea of using a cross matrix approach to prioritizing commercial collections.  In this first post in a two part series, I’d like to expand on this idea. Phase 1 – Portfolio Scoring with Commercial Collection Priority Intelliscore The Collection Priority Intelliscore (“CPI”) was built to predict the likelihood [...]

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As the summer heats up many of us are looking to take a break to enjoy our favorite summer activities.   While this break is well deserved (and essential for maintaining our sanity) it’s important to remember that the discipline around our credit decisions can’t take a break.  New applications still come in the door, products [...]

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I usually like to schedule my annual physical around my birthday. It’s a natural reminder to visit my physician to identify any potential issues or suggestions of how I can improve my health. Like an annual physical, benchmarking your portfolio on a regular basis is a great way to identify both risks and opportunities for [...]

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Which comes first – BizSource or TrueSearch?  It’s a bit like the chicken and the egg – without one you can’t have the other.  BizSource is the repository where all the information coming into Experian’s commercial database is housed.  This repository holds the information that’s essential for creating the credit story – trade payment, public [...]

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I’m thinking that Eric Schmidt, executive chairman of Google and general techno-cognoscenti , must be a  Joni Mitchell fan.  He is credited with having coined the term “cloud computing,” a brilliant metaphor for describing the most recent digital phenomenon that promises to transform everything from the way we interact with our machines to the way [...]

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Since fluctuations within the market or unexpected disasters can drastically impact your portfolio’s risk, it’s generally good practice to regularly review the level of exposure within your portfolio. Here are few evaluative questions you may want to consider: What is your exposure roll up by parent company? Do you have a high concentration of accounts [...]

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So, sometimes it takes a little while for the popular press to catch up.  I say that because on June 14th, an article ran on msnbc.com talking about, of all things a “Tale of Two Economies”.  Well, if they had seen our blog on May 18, they would have seen that we could have told them [...]

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In my very first post to this blog, I advanced the notion of “the credit risk trifecta” and how there are three general factors that contribute to a business credit score.  Well, I thought I’d follow that up with a sample of real data from Experian’s BizSource database.* The following tables represent the mean values [...]

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