1 877 565 8153
Business Owner Background ReportSM
Uncover hidden risks and opportunities associated with business owners
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. Proactively manage risk and optimize portfolio performance with this convenient, easy-to-use tool.
- Insights beyond traditional credit risk tools — Gain a 360-degree view of a business owner’s or principal’s risks and liabilities across all business interests.
- Reduce risk and enhance collections — Identify applicants who have patterns of poor management performance.
- Commercial fraud prevention — Have the ability to verify that the person applying for credit is affiliated with the business.
Watch the Presentation
Get an overview of Business Owner Background Report by watching the presentation.
Get More Details
Learn more about Business Owner Background Report from this product sheet.
Contact Us — 1 877 565 8153
Let us help you identify the best products and services to solve your business challenges.
Click a product below to view more information:
Commercial Credit Application
- BusinessIQ - A complete business credit and risk management application
-
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
-
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
-
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 and Resources - Do business internationally with tools that support customer acquisition and portfolio management
-
A feature of Experian’s seamless global commercial data resource is the Global Data Network for evaluating businesses in Western Europe, the United Kingdom and the United States.
- Business Owner Background Reports - Unprecedented visibility into a business owner or principal's relationships with current and former business interests
-
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
-
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
-
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
-
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
-
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
-
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
-
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
-
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
-
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
-
Verify your customers' individual and business identity while protecting your bottom line with our most comprehensive and powerful commercial fraud and authentication product available.
Direct Data Access
- Dynamic Access - Access always-fresh data more efficiently
-
With Dynamic Access, you can reduce out-of-pocket costs and save time by choosing as much or as little data as you desire, with no filters, directly from BizSource, Experian’s state-of-the-art commercial repository. Receive data at the granular level directly into your ERP or CRM system via XML for a seamless interface.
Data Integration
- Data Synthesis - Data Synthesis lets you navigate today’s complex business environment by viewing your customers with laser focus.
-
Deal with multiple records, accounts, portfolios and databases. Have one standardized customer master file. Identify one unique ID to track and manage accounts and exposure. Know if credit lines are open with multiple members of the same corporate family.
Custom Data
- Commercial Risk Database - Full commercial database with information on U.S. businesses
-
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.
- Commercial Risk Database Plus - The industry’s most powerful database of small and midsize U.S. businesses has been significantly enhanced to help credit professionals make more decisions faster and with improved results
-
Commercial Risk Database Plus provides a significant lift in active business counts and SIC/NAICS code coverage to improve hit rates and increase profit potential.
Customer Aquisition
- Marketing Analytics - Improve your bottom line with the key services provided by Marketing Analytics from Experian, including customized profiling, predictive modeling and segmentation
-
The analytical process helps you to fine-tune targeting strategies, identify new prospects with characteristics matching ideal customers and make relevant offers. Business marketing and credit data elements from Experian appended with your own internal customer data helps to create in-depth profiles of current customers.
- U.S. Business Database - Improve your B2B targeting with the industry’s most comprehensive and reliable U.S. business file
-
Address all of your data needs with Experian’s suite of U.S. business records that includes more than 16 million verified businesses, nearly 7 million non-verified businesses, and more than 12 million suspect businesses, along with 4 million new businesses.
- Business Email Services - Profit from the industry’s most thorough and accurate business email database
-
Experian’s Business Email Services helps improve marketing campaigns by drawing upon a business email database that is unparalleled in breadth and accuracy.
Request More Information
To learn more about Business Owner Background Report Suite, call us at 1 877 565 8153 or complete the form below and an Experian representative will contact you as soon as possible.