Small Business

Data freshness is the key

Posted on Jun 01 2011 by

In my last blog post I talked about how Experian’s commercial data model works.  If you haven’t seen it yet, you should give it a look at: Today, I want to explore the importance of data freshness.  Unless you are “in the business”, maintaining a commercial database might look relatively easy and straightforward.  However, […]

Mistakes Websites Commonly Make

Posted on Jun 01 2011 by

Recently I read an informative article on Open Forum regarding common mistakes websites make and thought I’d summarize and share the knowledge.  By now, most business own and operate via a website.  Some have spent thousands in building out the site and some have utilized sites like Yahoo Shopping templates to start their business.  Whichever […]

Behavioral Analysis – Science or Art?

Posted on May 27 2011 by

Really, it’s a little of both. To get a good sense of your client base’s behavioral payment patterns and be able to successfully manage credit risk, you first need to understand your portfolio. The best way to do that is to slice and dice your portfolio into different chunk-size segments and identify any trends within […]

Learnings from NACM

Posted on May 26 2011 by

I am back home and have a moment to reflect back on NACM Credit Congress 2011.  Everyone was engaged – ready to learn and ready to share.  I experienced this first hand when I co-presented with Jessica Ford during a presentation focused on credit and fraud trends and ways credit professionals can help improve the bottom […]

About “blended” scoring models

Posted on May 25 2011 by

In my last post we discussed how the best predictive performance comes from using the consumer data on the business owner and blending it with the commercial data on the business.  But how does the scoring model work using both sets of data?  Unfortunately it is not as simple as half of the score is […]

Lots of Southern hospitality at NACM Credit Congress 2011

Posted on May 23 2011 by

We’re live from Credit Congress 2011 and it’s hard to beat the Southern hospitality on display in Nashville. Day one is in the books and we’re live on the floor for day two. There’s a lot of energy on display today with discussions about industry trends and new ways to manage today’s credit needs. Many […]

Tale of two recoveries – big business leverages its position while small business struggles

Posted on May 18 2011 by

An interesting dynamic is playing out as the economy begins to get legs.  For example, when you look at the payment behavior of U.S. businesses, there’s a difference in big business trade payments vs. small business.  Our Experian Business Benchmark report shows large businesses are delinquent at a much higher rate.  However,when it comes to […]

Free reports for all small businesses this week only

Posted on May 16 2011 by

We’re honoring small businesses and their owners during National Small Business Week, May 16-20, with the gift of knowledge. This week only, business owners and principals can view their small business credit profile for FREE at This is a limited, one-time offer per person, so act now before it is gone, and share the […]

DecisionIQ Premier debuts at FinovateSpring

Posted on May 11 2011 by

Today, Experian debuted DecisionIQ Premier at FinovateSpring in San Francisco.  In front of an audience of more than 750 financial services industry leaders we discussed the features and benefits of our new service.  Our newest offering is available on BusinessIQ.  BusinessIQ was designed and built to provide an easy to use single platform that delivers all […]

Integrating social media into your business

Posted on May 06 2011 by

Social media.  You hear it all over the place.  What is it, and are you taking advantage of it for your business?  The nature of social media is to share.  It is a place where conversations take place.  It is a place where a community is built.  It is a place where people try to […]