1 877 565 8153
About Experian Business Information Services
Experian’s Business Information Services is a leader in providing data and predictive insights to organizations, helping them mitigate risk and improve profitability. The company’s business database provides comprehensive, third-party-verified information on 99.9 percent of all U.S. companies, with the industry’s most extensive data on the broad spectrum of small and midsize businesses.
By leveraging state-of-the-art technology and superior data compilation techniques, Experian is able to provide market-leading tools, such as BusinessIQSM, that assist clients in making real-time decisions, processing new applications, managing customer relationships and collecting on delinquent accounts.
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Small Business Credit Index
A quarterly report on how U.S. businesses are faring over time.
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For inquiries about our products, please contact us.
Click a product below to view more information:
Commercial Credit Application
- BusinessIQ - A complete business credit and risk management application
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With industry-leading features and functionality, BusinessIQ is the online portal to all of Experian's online commercial credit tools — from reports and scores to portfolio management, decisioning, collections and more.
Reports
- Premier Profile - The most robust of all Experian business credit reports
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This report provides a comprehensive view of a business's financial obligation as well as fraud screening, credit limit recommendation, more background information on the business and more data elements than any other report.
- Small Business Credit Share Report - Unparalleled insight into small businesses — for Small Business Credit Share consortium members
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The Small Business Credit ShareSM program is a consortium of companies that share expanded payment performance data on products like lines of credit, credit cards, loans, leases and first creditors for emerging businesses like utilities and telecom. Members get access to reports, scores and special offers that are exclusive to the program.
- International Reports - Credit reports on international companies to give you peace of mind when doing business overseas
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Real-time, comprehensive credit reports on businesses in Western Europe and Brazil, as well as reports that are researched and assembled on request for businesses in more than 200 additional countries.
- Business Owner Background Reports - Unprecedented visibility into a business owner or principal's relationships with current and former business interests
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The Business Owner Background ReportSM provides unprecedented visibility into a business principal's relationships with current and former business interests. Combining Experian's robust consumer and commercial data assets with state-of-the-art analytics, the report provides a comprehensive evaluation of the fraud and credit risk associated with a business owner or principal.
Scores
- Intelliscore Plus - Get the power of a score that predicts the likelihood of delinquency within the next 12 months
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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.
- Financial Stability Risk Score - Quickly identify the highest risk businesses and avoid bankruptcy risk and accounts likely to default
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Experian's Financial Stability Risk ScoreSM provides critical insight on the potential of a business going bankrupt or defaulting on its obligations.
- Small Business Credit Share Scores - Developed exclusively for Small Business Credit Share members — two highly predictive scores to assess portfolio risk and portfolio benchmarking
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The Small Business Credit ShareSM program is a consortium of companies that share expanded payment performance data on products like lines of credit, credit cards, loans, leases and first creditors for emerging businesses like utilities and telecom. Members get access to reports, scores and special offers that are exclusive to the program.
Portfolio Management
- Portfolio Scoring - Implement Experian's Intelliscore Plus to access risk on your entire portfolio
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Manage risk and identify opportunities by regularly scoring current clients on a monthly, bimonthly quarterly or annual basis.
Alerts
- Account Monitoring Service - Comprehensive alerts that notify you of changes to an account within your portfolio
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This account management tool allows users to monitor changes to their business-to-business customers' credit-risk profiles.
Decisioning
- DecisionIQ Premier - Enable automated, customized decisioning for new accounts based on your organization's risk tolerance
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The decisioning module within BusinessIQ that allows you to create credit policies driven by your risk tolerance, combined with our information and analytics to consistently automate your decisions.
Collections
- Delinquency Notification Service - Experian-branded letter campaigns proven to recover debt more efficiently while reducing collections costs
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With this service, delinquent debtors receive a notification letter on Experian letterhead detailing their delinquent account status. Each letter also offers the debtor 60 days of free access to his or her business credit report.
- Collections Recovery Tool - Track down hard-to-find commercial debtors to significantly improve your commercial collections
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Our commercial skip-tracing tool leverages Experian's BizSource data repository to supply multiple contact names, addresses and telephone numbers of business accounts. Each report also includes a 90-day cross-trade payment summary, which displays payment information across multiple tradelines.
Fraud
- BizID - Prevent fraud and comply with regulatory mandates with BizID
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Verify your customers' individual and business identity while protecting your bottom line with our most comprehensive and powerful commercial fraud and authentication product available.
Custom Data
- Commercial Risk Database - Full commercial database with information on U.S. businesses
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Receive our full commercial database with information on U.S. businesses of all sizes including the industry's deepest data on small and mid-sized businesses.