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COMMON QUESTIONS




REPORT CONTENT

+  Will I see the entire report on the mobile site?
All reports displayed here will be rendered in a mobile-friendly abbreviated format.

Options will be presented on all reports allowing you to receive an emailed copy of the complete desktop site version of the report at no additional cost.



+  Why don't I see the actual supplier names in my report?
For your company's privacy and safety, Experian does not offer any online reports listing actual supplier names in their business credit reports; this is done this way because anyone, including your competitors and other creditors, can purchase your report without your permission. For example, if your company is 60 DBT (days beyond terms) with "ACME CELL COMMUNICATIONS", the entry may appear as "TELECOM ... 60DBT"

If you don't recognize a supplier by their business category, last 4 digits of the account number, or other report element, then you'll need to issue a dispute/inquiry.
Press here to contact us.



+  Why aren't all of my suppliers listed on my report?
If a supplier you deal with isn't listed on your business credit report, it's most likely because the supplier doesn't report your business payment history to Experian. Your business payment history is one of the factors upon which your business credit report and score are based. However, not all suppliers report to business credit reporting agencies like Experian. In fact, of the more than 500,000 suppliers extending credit, only about 10,000 report. Only by working with suppliers who report can you improve your business credit report and score.

Experian includes a section titled: "Don't see all your business trade and financial accounts listed here? Tell us who your supplier or financial vendor(s) are so that we may contact them." in its Business Credit Advantage subscription report. If you're a Business Credit Advantage subscriber, please take a moment to provide us with your non-reporting suppliers by returning to your report and clicking on that link.



+  What are public records?
Business public records are records of actions or incidents filed or recorded with a government agency for tax and other regulatory requirements. These records are made available to the public to better protect the interests of the filer. Public records include: Bankruptcies, Liens, Judgments and Collections.

Financial services, insurance, real estate, legal and professional services, telecommunications, transportation, Fortune 1000 companies and small businesses use public records to reduce business credit risk and manage liability and fraud.



+  How long does public record data remain on my report?
Experian uses standard industry and government guidelines for keeping data on file. Expiration dates for data ensures that the information presented in our reports is current enough to create an accurate picture of financial health. Bankruptcies remain on file for 10 years after the filing date. Judgments for 7 years after the filing date. Tax liens for 7 years after the filing date. Collections remain on file for 6 years and 9 months after the last report date. UCC filings for 5 years after the last filing date. Bank, government and leasing data for 36 months. Trade data for 36 months after the last report date. Credit inquiries for 9 months.



+  Why is there no business credit score for a company?
Experian requires minimum information to generate a score; so if a business doesn't meet these requirements, a score is not generated. Minimum information is at least one tradeline and/or one demographic element.




REPORT CORRECTIONS AND UPDATES

+  My report contains incorrect information.
Press here for report update instructions.



+  How long do report updates take to complete?
Changes, once loaded by Experian into the Experian business credit file, will have an immediate impact on the business credit report and score. Approved requests for updated business credit information are loaded weekly over the weekends. However, depending on the nature of the request, investigation and approval of the requested update can take up to 30 or 60 days. For example, a simple demographic update to business street address will not take as long to investigate, approve and process as it would to dispute trade credit detail.




SCORING

+  What is a good business credit score?
Experian business credit scores range from a low of 1 to a high of 100. The average business credit score is a 62.

The objective of the Experian business credit score (Intelliscore PlusSM) is to predict seriously derogatory payment behavior. Paying bills on time is not the only factor used in determining a score. Experian generates its scores based on a proprietary algorithm that compares your business with other businesses on:

  • Payment behaviors
  • Public record information like Liens, Judgments, and Bankruptcies
  • Specific industry
  • UCC filings
  • Years in business
  • and a variety of other information
  • The table below shows the score ranges associated with each risk class.
    Score RangeRisk Level
    1-10High Risk
    11-25Medium - High Risk
    26-50Medium Risk
    51-75Low - Medium Risk
    76-100Low Risk



    +  Does checking my report affect my score?
    Checking your business credit report does not affect your business credit score. Pulling your own business credit report is considered a soft inquiry. Soft inquiries do not affect your business credit score, and they are not revealed to potential lenders or creditors.



    +  How is the business credit score determined?
    Experian's Business Credit Score is determined through a statistically derived algorithm that determines risk based on multiple factors:

  • Credit: number of trade experiences, balances outstanding, payment habits, credit utilization, trends over time
  • Public records: recency, frequency and dollar amounts associated with liens, judgments, bankruptcies
  • Demographic information: years on file, Standard Industrial Classification code, business size



  • +  Why did my business credit score drop or improve?
    It is not uncommon for a business credit score to fluctuate slightly. Experian's proprietary model for business credit scores looks at over 140 modeling variables to derive the Experian Business Credit Score, so there are other factors beyond what is displayed on the business credit report that can cause a score to slightly change or shift.
    Factors include, but are not limited to:

  • The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies
  • The status, recent status, frequency and dollar amounts of any applicable liens, judgments, or bankruptcies
  • An increased trend in slow payment of obligations
  • An increase in the number of business credit inquiries or applications that are generated by the business or owner
  • 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), size of business and other demographic data



  • +  What is the Financial Stability Risk Rating?
    In today's challenging economy, the risk of slow pay turning into no pay is all too real. Experian's Financial Stability Risk Rating focuses on the small percentage of companies that are at higher risk for filing bankruptcy or simply reneging on obligations.

    Identifying financial stability risk involves utilizing a wide range of Experian data -- from trade experiences and collection agency reporting to derogatory public records and business firmographics. All data elements are third-party-verified, with no self-reported information allowed.

    Ratings range from a Low Risk Rating of 1 to High Risk Rating of 5.

    The table below shows the percentile ranges associated with each risk class and the bad rate for the risk class.
    Risk ClassBad Rate
    10.55%
    21.11%
    32.95%
    410.00%
    535.27%



    +  Why should business owners be concerned with the Financial Stability Risk Rating?
    Since 2011 credit managers have had access to the Financial Stability Risk Rating from Experian as an additional factor for extending credit.

    A good Financial Stability Risk Rating may result in credit being extended even if the business credit score is weak since the likelihood of the business defaulting on payments or going bankrupt is low. The credit manager may decide to accept slow pay as long as they conclude that they will get paid.




    UNDERSTANDING THE REPORT

    +  I don't understand the data in the report. Who can I call for help?
    Other report content questions are handled through our Online Helpdesk. Our representatives will review your question(s) and direct you to the proper help information or department(s) that may be able to assist you. Be specific about the issues or questions you have when contacting us.

    Press here to contact us.



    +  In the Credit Summary, what do the CAUTIONWARNINGGOOD next to each item mean?
    This website utilizes color icons to show, in graphical terms, individual items that may impact the overall creditworthiness of a company. Good (GOOD), caution (CAUTION), and warning (WARNING) are our choice of icons. Below is how we determine which icon to show based on specific criteria for each item.

    Businesses Scoring Worse:75% to 100% = GOOD; 50% to 74% = CAUTION; < 50% = WARNING.
    Bankruptcies:0 filed = GOOD; 1 or more filed, 0 active = CAUTION; 1 or more active = WARNING.
    Liens:0 filed = GOOD; 2 or less filed = CAUTION; > 2 filed = WARNING.
    Judgments:0 filed = GOOD; 2 or less filed = CAUTION; > 2 filed = WARNING.
    Collections:1 or less filed and 0 active = GOOD; 4 or less filed and 1 or less active = CAUTION; more than one active or more than 4 filed = WARNING.




    +  Is there a glossary of terms?


    ACCOUNT

    +  How do I sign up?
    Signing up is fast and easy. You sign up by clicking on the Login link located on the top right of most of our pages and following the Create account route. You don't have to be registered first to locate a company in our database. Non-members interested in purchasing a report will automatically be directed to login or register.



    +  Which credit card types are accepted on the website?
    You may use the following credit card types here: American Express, Discover, MasterCard, and Visa.



    +  Where is a list of all my purchases and receipts?
    This mobile site provides access to the most recent 6 reports pulled in the last 7 days, and the most recent 6 Business Credit Advantage plans purchased. You can review your full purchase history/receipts on the desktop Site.

    Or, Contact us and we'll email you your receipt.



    +  I want to stop my subscription or close my account
    Press here to contact us.



    +  I purchased a report for the wrong company
    Press here to contact us.



    +  Can I access my Business CreditScore ProSM plan?
    This mobile site does not currently support Business CreditScore Pro subscription users.



    +  Can I access my Business Valuation Report?
    This mobile site does not currently support Business Valuation Report.



    +  I'm seeing messages that my account is locked when I try to login. What should I do?
    Press here to contact us.



    +  I can't login. I'm not sure what's wrong
    Press here to contact us.



    +  I received an email from you saying that I changed my password or email address when I didn't. What should I do?
    Press here to contact us.



    +  I represent a tax-exempt organization. Do I need to pay tax for this service?
    Experian collects sales taxes for registrants of this website with billing addresses in certain states. See the list of those states on our Registration / Account page.

    If you are tax-exempt, you can apply to be exempted from paying sales tax on future purchases. Press here to contact us for more information.




    USING THE WEBSITE

    +  Can I see a report again?
    Yes, the cached copy (the copy you originally saw) is available for seven days following the purchase. This mobile site will show you your most recent 6 individual report purchases on your logged-in home page. A complete listing of historical report purchases can be viewed on our desktop site.



    +  How do I get my printer to show all the colors used in your reports?
    Microsoft's Internet Explorer (IE) typically is not set to print background color or images, including table cell colors. On IE's Print Preview, our color charts will show as white table cells with black text. To get the table cells colored backgrounds to print, click on the browser's Tools menu. Select Internet Options, then click on the Advanced tab. Scroll down to find the Printing heading and check the box called Print Background Colors and Images. This setting affects both page backgrounds and table cell backgrounds.

    Alternatively, you can email yourself a PDF copy of the report and print that version; use the 'EMAIL REPORT' button found at the bottom of all of our reports. PDF readers generally print all elements/backgrounds displayed in the report.



    +  When is the service available?
    The system is available 24 hours a day, 7 days a week.




    EXPERIAN'S BUSINESS CREDIT REPORTS

    +  Can Experian save my business money?
    By reviewing public records and other business information, companies save every year on the costs of acquiring new business and managing liability and potential fraud. Reviewing public records and other business information also establishes sound business relationships that can extend for years.



    +  Why should I choose Experian rather than the competitors?
    Experian provides value by delivering timely and accurate data with nationwide coverage. Experian offers competitive low prices and easy-to-read reports.



    +  How often does Experian update its information?
    This website provides access to Experian's business database in real time. Experian receives public record information from government and vendor sources on a daily, weekly, monthly or quarterly schedule.

    Once Experian receives public record updates from the government or vendor sources, turnaround time for formatting, cleansing and loading data is generally 48 to 72 hours. Turnaround time for bankruptcy reports being available online is typically within 24 hours of the original filing.



    +  Where does Experian get its information?
    This website accesses Experian's business database in real time. Experian collects credit obligation information from thousands of businesses nationwide. These businesses are typically the suppliers or lenders with which a company has existing financial relationships.

    Experian also collects legal filings from the various local, county and state courts across the United States. Company background information is collected from a variety of independent firms. Experian does not display information directly from a company about its business, unless that information has been verified.



    +  Does Experian provide tax liens, judgments and bankruptcies on businesses nationwide?
    This website provides access to Experian's business database. Experian provides tax liens, judgments and bankruptcies on businesses nationwide.



    +  How does Experian ensure that its information is accurate?
    This website provides access to Experian's business database. Experian uses leading technologies to format, cleanse and load data that is acquired directly from government sources and industry leading vendors.



    +  How do I locate or update my Experian personal credit report?
    Our small business website does not provide access to Experian's personal credit information. You can call Experian's National Consumer Assistance Center at 888-397-3742 for questions regarding your personal account. To learn more about Experian's personal credit division, please go to Experian's Web site at www.experian.com.





    For answers to other questions not covered here, or to see samples of complete website reports, please review our desktop site.

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