How to Read the Equifax Commercial Credit

Report

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Commercial Credit Report• Delivers detailed information on businesses for risk

assessment– Banking and leasing payment information– Trade credit history– Public records– Firmographics

• Includes Related Files (complimentary value-add)– List of businesses potentially associated with the

business owner or principal submitted upon inquiry– Option to purchase corresponding credit report

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Report At-A-Glance

Credit Usage

Inquiry Alerts

Payment Trends

Scores/Suggested Credit Limit

Public Records

Credit Summary

Company Profile

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Company Profile• Firmographics – business name,

address, telephone, tax ID number, SIC, NAICS, ownership type, annual sales, number of employees, business type, location type, established date

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Inquiry Alerts• Inquiry Alerts – reports

variances between input versus file information

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Scores/Risk Class/SCL• Credit Risk Scores – commercial

data option or blended option with principal (consumer) data

• Business Failure Score – predicts likelihood of business failure

• Risk Class – risk ranking and description

• Suggested Credit Limit – recommended credit limit amount

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Payment Index• The Payment Index is a numeric

measurement of the past and present payment habits of a business.

– Business Account Payment Index - based on the payment habits of the company for which an inquiry was submitted

– Industry Payment Index – based on the payment habits of the industry to which the company inquired upon belongs.

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Decisioning Detail• Provides score plus up to four reason codes

indicating reason for the score and score definition

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Public Records• Includes judgments, liens,

bankruptcies and business registrations

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Public Record Detail

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Credit Report Summary• Provides key summarizations of

overall file content, and breaks activity into financial and non-financial segments

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Financial Credit Usage• Details the credit limit, total

balance and available credit of open credit lines from financial institutions

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Recent Trend/DaysBeyond Terms• Displays the average days beyond

terms in a recent trend and on a month-by-month basis

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Financial Account Highlights• Provides high-level information for each financial

account on the credit file

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Non-Financial Account Highlights• Provides high-level information for each non-

financial account on the credit file

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Financial Account Detail

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Non-Financial Account Detail

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Additional Information• Provides alternate names, addresses, phone

numbers, tax IDs and SIC/NAICS codes on the business

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Additional Information (continued)• Also provides owner/guarantor information,

business and credit grantor comments and inquiries

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Contact Us• Provides address, phone and email to request

additional information or file a dispute