- A term applied to bankruptcy proceedings when company creditors initiate the bankruptcy process.
- The total judgment balance amount.
Experian reports on judgments released within the past five years.
- Number of judgments filed. This does not include judgments satisfied. Therefore, the judgment may be satisfied but you cannot tell or "match" the satisfied judgment. The information generally includes date, plaintiff, filing agency, legal type, legal action, document number, liability amount, and description.
Experian reports on judgments released within the past five years.
- Key facts are the basic information about a company; address, phone number, etc. When available, it may also include sales, number of employees, names and titles of key personnel, years in business, date of incorporation, Filing data provided by, primary business activity, and other demographic data.
- This section shows activity related to open tax liens levied against the company. The information generally includes date, filing agency, legal type, legal action, document number, liability amount and description.
Limited Payment Data
- Company does not have enough payment history to generate a report which includes a credit score, or to provide a meaningful prediction of future payment trends.
- The middle value in a distribution of numbers where above and below values represent an equal quantity of values.
- A tradeline which has been reported for the first time in the last six months.
- A loan made by a company which is evidenced by a promissory note.
- Credit extended by a business to a customer.
Out of Balance
- A company which has many more expenditures than revenue.
- A company that wholly owns at least one other company, subsidiary, or branch.
- These are graphical elements showing the company's payment history over time.
Payment Trend Indicator
- A method of predicting how quickly future payments will be made based upon historical payment information.
Predicted DBT (Days Beyond Term)
- The prediction is a forecast of the DBT for 60 days into the future. It is based on the trend in DBT, the type of industry of the business, derogatory public record information, collection accounts, number of inquiries, years in business on file, and other factors.
In a Credit Report
, the background color of the predicted DBT is based upon observed norms of all U.S. businesses where green represents all entries 15 days or less; yellow for all entries between 16 and 50 days; orange for all entries between 51 and 90 days; and red for all entries beyond 90 days. The DBT norm for all industries is 7 days.
Previously Known As
- Due to a name change or merger, the primary name of the company has been changed to the current name shown. The previous name is also displayed.
- The income arising from the sale of land or other property.
Recent High Credit
- Recent High Credit shows the highest account balance with the reporting firm in the last twelve months.
- A web site user feature offered to Experian members whereby a check box associated with the text, "Remember me", will assign a permanent encrypted "cookie" on your system to remember your login information. When the check box is selected, you will be automatically recognized next time you return to the site to login. Cookies are only sent to the web site which originated them, so your use of other web sites will not expose the information stored in the cookie to other sites. This cookie will be erased anytime you click on the 'Logout' link found in the upper right of most of Experian web site pages. You should not select the Remember Me feature if the computer you are using for access is in a public location, or is otherwise unsecured.
- Do not
use: quotes, parenthesis, or truncation within search expressions. Do not
combine terms with: AND, OR, or NOT.
Experian will accept all the terms you have entered and attempt to locate the best matches based on a proprietary and complex matching algorithm.
For example, by entering MEYER ELECTRIC you may receive matches such as MEYER ELECTRIC, MEYERS ELECTRICIANS, MIER ELECTRONICS, MYER'S, etc.
Experian will return up to 25 of best matches.
Tip: If you're not finding what you're looking for, generally it's best to make your search more specific by adding City, Address, and ZIP Code information.
- An operating unit of a larger company. Typically operates autonomously or semi-autonomously.
- Knowing if a business has a tax lien will help point out if they are becoming a higher risk due to nonpayment of taxes. In this situation, the tax agency is taking security of the debt.
Tax Lien Amount
- The total tax lien balance amount.
Tax Lien Count
- Number of tax liens filed. This does not include tax liens satisfied. Therefore, the tax lien may be satisfied but you cannot tell or "match" the satisfied tax lien.
Total Balance Amount
- Sum of all balances. This includes all tradelines; Regular, New, Aged, and Other.
- A tradeline that has no aging.
Trade Payment Detail
- Also referred to as Tradeline Data, Trade Payment Detail refers to tables of accounts in a
that present the details of the company's payment history over time by tradeline. Actual tradeline company names are not displayed, but rather supplier category names will appear. For example, if a company is 60 DBT (Days Beyond Terms) with 'ACME CELL COMMUNICATIONS,' the entry may appear as "TELECOM ... 60DBT."
Trade Payment Experiences
- Trade Payment Experiences reflect "new" and "continuously" reported tradelines. Only those accounts that are Continuously Reported or Newly Reported are included in these types of reports. To be considered "Continuously Reported," a tradeline must have been established and maintained in the
Experian file for at least six months including at least one update over the most recent three month period.
A "newly reported" tradeline has been added to the file within the past three months. Each tradeline represents a unique credit experience. Actual tradeline company names are not displayed, but rather supplier category names will appear. For example, if your company is 60 DBT (days beyond terms) with 'ACME CELL COMMUNICATIONS,' the entry may appear as "TELECOM ... 60DBT."
- A business extending credit for a service or product. Trade Payment Experiences can be used to recognize early, on-time, and/or late payment patterns. Generally, the more tradelines reported, the more informative the payment analysis.
Uniform Commercial Code (UCC)
- Companies that extend secured loans to other businesses file Uniform Commercial Code (UCC) documents with the appropriate secretary of state office to protect their interest in the asset. United States statute covering the rights and obligations of the various parties involved in the purchase and sale of goods.
- Companies that extend secured loans to other businesses file Uniform Commercial Code (UCC) documents with the appropriate secretary of state office to protect their interest in the asset. This is the detail of the actual UCC filing, the information generally includes the date, filing number, jurisdiction, secured party, and collateral activity.
- Companies that extend secured loans to other businesses file Uniform Commercial Code (UCC) documents with the appropriate secretary of state office to protect their interest in the asset. This is a summary of the last 2 years of UCC filing information. It does not show detail, but does show the filing activity.
- Number of tradelines with Uniform Commercial Code (UCC) filings. This includes original, continuation, addition, and supplemental filings.
UCC Cautionary Filing
- A Uniform Commercial Code (UCC) filing where one of the following types of collateral have been pledged; Accounts, Accounts receivable, Contracts, Hereafter acquired property, Inventory, Leases, Notes receivable, Proceeds.
- Company initiated the bankruptcy proceeding.
Zero Balance Trades
- Number of tradelines with balance = 0. This includes all tradelines; Regular, New, Aged, and Other.