Executive Summary - Report
Evaluate risk at a glance, the executive
summary of the Business Credit Report gives a quick overview of a business'
credit behavior. Here, problem areas can be identified, and then researched
more thoroughly in the data contained in the main body of the report.
The "Days Beyond Term" (DBT) and predicted DBT give an estimation
of a company's risk in a single number. The index below the report gives
a brief explanation of the main features of the Executive Summary:
1. Description of Business - Company's
primary and secondary business categories plus the date of incorporation.
2. Days Beyond Terms (DBT) - Dollar weighted average number of days
past the invoice date that business pays its bills.
3. Predicted DBT - A forecast of the expected days beyond terms for
60 days into the future, based on historical credit trends.
4. DBT Norms - Compares the company's average DBT against the average
DBT of other businesses within the same industry, and the average DBT
for all industries.
5. DBT range based on current payment behavior - Indicates where the
current DBT falls in comparison to other US businesses.
6. Historical payment guide - Includes, six month account balance range,
highest credit amount extended, industry payment comparison and payment
trend indicator.
7. Significant derogatory data - summarizes collected public record
data and other derogatory information, including; bankruptcies within
the last nine years, tax liens, UCC filings, reported collection amounts
and write-off telecommunication accounts.
Trade Payment - Page
1
The Trade payment Information section of our Business Credit Report
gives an objective, timely and accurate view of credit performance.
Each tradeline, or credit granted to a business, represents a unique
credit relationship. The data is collected from thousands of credit
grantors who allow access to their accounts receivable files each month.
The data is collated into a consistent format and updated continuously
with newly granted tradelines so that you are able to make your decisions
based on current information. Two pages of this part of the report are
presented here. Click on the next page link at the bottom of the page
to view the second page. See below for a key and index to the page shown.
For comparison purposes, a plus (+), a minus (-) or an equal (=) sign
next to each tradeline with a balance in the left column of the page,
indicates whether the DBT or tradeline os more than five days higher
(-), more than five days lower (+) or withing five days of the average
DBT for that business category.
Trade Payment - Page
2
The second page of the Trade Payment
Information section of our Business Credit Report gives an analysis
of the business' ongoing payment behavior, and shows whether it is steady,
improving or declining. The page also shows additional payment experiences
from non-trade accounts, such as leases and bank loans.
For comparison purposes, a plus (+), a minus (-) or an equal (=) sign
next to each tradeline with a balance in the left column of the page,
indicates whether the DBT or tradeline is more than five days higher
(-), more than five days lower (+) or within five days of the average
DBT for that business category.
Payment Trends - Report
Evaluate ongoing payment behavior. The payment Trends section uses continuously
reported tradelines to indicate changes in payment behavior over the
previous six months. The section headed "Payment History"
gives a 15 month analysis of the payment trends. The section headed
"Public Record Information" presents details of bankrupticies,
tax liens and judgements:
Uniform Commercial Code - Page 1
The Uniform Commercial Code (UCC) profile is a key indicator of financial
instability. Knowing how much a business is leveraged and what kind
of collateral is being used in outstanding loans are important considerations.
The UCC profile lists up to the 10 most recent UCC filings, with their
original amendments or terminations:
Uniform Commercial Code - Page 2
This page identifies the commercial and finance relationships of the
company in question. It gives the name and contact information for their
primary banks; the account status, and balances if available; any leasing
or special financing arrangements:
Company Background Information -
Report
This portion of the Business credit
Report provides detailed background information that validates a company's
identity, helping you detect potential fraud. This may include the home
state of the business; the year the business was registered, charter
number; current status; names and titles of principle officers; products
and service lines; most recent filing date and name of agent or legal
representative:
Standard & Poor's Information
- Page 1
The Standard and Poor's (S&P)
information gives an in-depth analysis of a company's history. Audited
finances are a critical indicator of the financial health of publicly
held companies. The comprehensive S&P report consists of: the operating
statement, giving the profit/loss for the previous fiscal year and two
years prior; balance sheet; critical data and ratios; summary business
background information.
Standard & Poor's Information
- Page 2
The Standard and Poor's (S&P)
information gives an in-depth analysis of a company's audited finances.
The critical data and ratios section shown on the second page of the
S&P information gives the description of products and services offered
(incl. SIC code), approximate annual sales, years in business, name
of the company's accounting firm and bank, names and titles of the key
officers.
Federal Government Information -
Report
This is the last page of the report. The final resource for financial
evaluation is the Federal Government Information which reports selected
financial and contact data reflecting the company's dealings with federal
government agencies:
For
More information about the services offered contact Customer Service
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or fax us 1-714-441-0085