Commercial Credit report
You can instantly check a business' credit before deciding to trade with them or agreeing to credit terms. You can also check potential suppliers' and partners' business credit reports — and be alerted to any financial issues they're having that could impact your business.

The Business credit report provides a range of data depending on the report you select. Reports include the following:

1. Company information
Includes the company's name, address, phone number and Experian file number. The year the file was established on Experian's database will be displayed when the company's incorporation date is not available.

2. Credit categories
Classifies the company's current credit status into one of five categories - acceptable, caution, warning, serious risk and bankruptcy - based on the company's current payment behavior and the presence or absence of collection data or derogatory legal filings.

3. Legal filings
Summarizes any bankruptcy, tax lien and judgment filings gathered from federal, state and county courthouses nationwide. (Experian also offers complete information on these legal filings - as well as Uniform Commercial Code, corporate records and Fictitious Business Name (Doing Business As) filings - online. See our business public records area for more information.)

4. Detailed collection filings
Includes information gathered from a nationwide network of collection agencies. The report provides the collection agency's name, the amount placed for collection and the date the account was submitted to the collection agency.

5. Payment behavior
Summarizes the company's credit relationships and payment performance. Experian collects this information from suppliers nationwide.

6. Payment trends and industry comparison
Compares the company's payment performance with other businesses in the same industry to help you make a more accurate risk evaluation. (Requires payment information about the company to be available for at least the past six months.)

7. Company background
This information can include the type of business, number of employees or sales figures, where incorporated and key officers.

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