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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.
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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.
- 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.
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.
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.
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To learn more about Business Owner Background Report Suite, call us at 1 877 565 8153.