Products and pricing

Business CreditScore Pro℠ plan holders have access to this number of reports during each monthly cycle.

Business Credit Advantage℠ plan holders have access to their report and all of its updates for the length of the subscription.

The objective of the Experian Business Credit Score (Intelliscore Plus℠) is to predict seriously derogatory payment behavior.

The Experian Business Credit Score is calculated by a statistically derived algorithm, designed to determine risk based on multiple factors including:

• Credit: Number of trade experiences, balances outstanding, payment habits, credit utilization and trends over time
• Public Records: Recency, frequency and dollar amounts associated with liens, judgments or bankruptcies
• Demographic Information: Years on file, Standard Industrial Classification (SIC) code and business size

The objective of the Financial Stability Risk Rating is to predict the likelihood of payment default and/or bankruptcy within the next 12 months.

Experian categorizes all businesses to fit within one of the five risk segments. This rating will be presented in all of our scored reports.

Most companies and individuals select a fictional name for their businesses.

(For example, “John Smith Automotive” is not a fictitious business name as long as the owner is named John Smith, but “Main Street Automotive” is.)

Companies record Fictitious Business Name (FBN) — also referred to as Doing Business As (DBA), Trade Name or Assumed Name — filings with the appropriate county recorder, county clerk or county business licensing office.

Key facts are the basic information about a company: address, phone number, etc.

It may also include any of the following based upon availability: 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.

In most cases, the Experian reports contain both the SIC Code and the NAICS Code for that business.

SIC Code: The Standard Industrial Classification is a United States government system for classifying industries by a four-digit code.

NAICS: The North American Industry Classification System is also a system for classifying industries but has as greater level of detail than what is achieved under the SIC classification system. The NAICS system uses 4-8 digits to represent the individual industries.

Corporate Registration includes information on the state of the company’s incorporation/registration, the date of the incorporation/registration, and the current status of the registration.

Use it to:

• Identify relationships within a corporate family
• Gain a better understanding of the business structure and overall corporate responsibility
• Assess risk with a complete perspective on the entire corporate organization

Family Linkage contains the Ultimate Parent, Parent/Headquarters, Subsidiaries, and Branch/Alternative locations for those locations that have these relationships.

Reports on Branch/Alternative Locations are not available because this information is typically merged into the parent report.

These are graphical elements showing the company’s payment history over time.

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.

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.

It is a process that allows a company or organization to get relief from their debts if they become unmanageable.

The information generally includes the date, legal type, legal action, and document number.

Experian reports on bankruptcies that occurred within the past nine years.

This portion of the report shows a summary of the actual collections reported.

Detailed data is summarized into the status of the collection activity, with the dollar amounts for items in dispute and items collected.

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.

UCC Detail
This is the detail of the actual UCC filing, the information generally includes the date, filing number, jurisdiction, secured party, and collateral activity.

UCC Summary
The number of UCC filings, but excludes the detailed information about each one.

The objective of the Experian Credit Ranking Score (Intelliscore Plus℠) is to predict seriously derogatory payment behavior.

Scores range from 1 to 100 where 1 represents a high risk and 100 represents a low risk.

It is not uncommon for business credit scores to fluctuate. Experian examines more than 140 variables to determine a business credit score.

Score Factors include:

• The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies
• An increased trend in slow payment of obligations
• An increase in the number of business credit inquiries
• The number of trade experiences, balances outstanding, payment habits, credit utilization and trends over time
• Years in business, line of business or Standard Industrial Classification (SIC) code, size of business and other demographic data, and more

This is a summary of the key factors relating to creditworthiness of a company.

This includes any information we have available about commercial financial relationships the company may have with a bank, insurance company, or lessor.

Generally, this information may include the name of the company’s primary bank, insurance companies that have issued policies to it, and the details of leases that have been reported.

A tradeline is a reported line of credit from one of your suppliers/accounts. A tradeline is sometimes referred to as a "Commercial account".

Tradeline payment experiences can be used to recognize early, on-time, and/or late payment patterns.

Tradeline payment experiences are listed by Supplier Category (e.g. “Credit Card”, “Airlines”, “Office Equipment”, etc.)

Generally, the more tradelines reporting, the more informative the payment analysis.

Inquiries are the number of companies making inquiries on the subject company in the last 9 months.

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.

UCC Detail
This is the detail of the actual UCC filing, the information generally includes the date, filing number, jurisdiction, secured party, and collateral activity.

UCC Summary
The number of UCC filings, but excludes the detailed information about each one.

Public company corporate financial information on some public businesses.

Supplier tradeline listings will contain the last 4 digits of account numbers on Business Credit Advantage reports. Use these numbers to identify your accounts.

The Small Business Financial Exchange^TM (SBFE) data is Experian's newest data source providing the most comprehensive coverage of small business financial data in the market. Established in 2001, this non-profit association's database houses information on over 32 million businesses, and enables information exchange among members (relationships with financial institutions) who provide small business financing. These members include the top 10 largest U.S. business card issuers and 12 of the top 15 commercial lenders.

After analyzing your current business credit report and the Key Score Factors listed within it, we will create a list of suggested action items to help you improve your business credit score.

This information will appear in a separate block near the bottom of our Business Credit Advantage reports.

When you purchase a Business Credit Advantage℠ plan for a company, you will have unlimited access to that company’s report for the duration of the plan.

Since this information can change daily, we recommend frequent visits to the site.

To view the most recent report you would click on “View Latest Report” on your logged in ’Home’ page or under ’My companies’.

An automated email alert is sent if key changes to the business profile are detected.

• Potentially negative information
• Score change
• Business address change
• Inquiry
• New credit tradeline opened
• Business public records (Bankruptcy, Lien, Judgment, Collection)
• Late payment
• UCC changes

When you submit a business dispute, a Commercial Relations Agent is assigned to conduct a thorough investigation of your credit file and in most cases make the necessary updates.

Notifications of this process are both emailed to you and available for you to see on your logged in home page within the section titled “Your business credit report disputes”.

CyberAgent®, our priority monitoring technology, proactively detects stolen business identifiable information and compromised confidential data online. CyberAgent is the only identity monitoring solution designed for proactive cyber detection on an international level — breaking language barriers and detecting identity theft across the globe.

At any point in time, our CyberAgent technology is monitoring thousands of websites and millions of data points, alerting you if we find your business information in a compromised position online. This information is being gathered in real-time, giving you the opportunity to react quickly and take the necessary steps to protect your business.

Experian currently can scan the dark web for finds of your email addresses, phone numbers, credit/debit cards, your small business website IP address, and your small business email domain credentials.

This recommendation compares this business against similar businesses in the Experian business credit database. It is based on payment performance, industry, age of business and the risk rating.

This recommendation, available on most scored businesses, is a guide. The final decision must be made based on your company’s business policies.

Experian is offering a Business Valuation report that can help you determine the value of your company. The typical cost of a business valuation through an appraiser is expensive (about $8,000) and requires several weeks to disclose and complete.

To get your customized report you’ll need to answer a number of questions about your business such as your: annual revenue, officer compensation, expenses, assets, liabilities, loans, rents, etc. over the past 1-3 years.

Once the interview process has completed we’ll provide you with a PDF report containing a financial summary and Key Performance Indicators (KPIs) to denote your business performance to the industry average.

These reports are used for: Insurance purposes, Selling the business, Getting a loan, Raising capital, Estate planning and more.

The comprehensive report offered under Business Credit Advantage is the most complete report offered by Experian. It will include unique views such as the last 4 digits of your account numbers to identify who is reporting data to Experian on your company, as well as the unique data the banks see.

An automated email alert is sent if key changes to the business profile are detected.

Alert types:

• Score change
• Business address change
• Inquiry
• New credit tradeline opened
• Business public records (Bankruptcy, Lien, Judgment, Collection)
• Late payment
• UCC changes
• Dispute status changes

The Business Credit Advantage℠ report is our most complete report with unique views. You will have unlimited access to it for the length of your plan, along with email alerts, score improvement tips, and tools.