Business Credit Reports

Let us help you reduce your credit exposure by giving you access to high-quality financial data on your partners, vendors and competitors. 

Make More Informed Financial Decisions

Request your commentary business credit reports today to see how our high-quality financial data, feature-packed reports and globally standardize scoring tools can increase the confidence you have in your business decisions.

Get answers to key questions like:

How likely is a company to go bankrupt in the next 12 months?

Is a company likely to pay me on-time?

Has anything changed that could affect my customers' ability to pay?

How much credit can I feel comfortable offering a company?

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What goes into a business credit report?

Scores and Limits

Core Business data

Payment Data

Enhanced Financial Data

Our industry leading scoring system includes key statistical metrics and the most advanced statistical techniques to help determine the financial stability of a company. 

>> More on Scores and Limits >>

Load up on background including the basics like the year founded, the industry and the location of the business, as well as more information such as recent liens, corporate structure, officers and more. 

>> More on Core Business Data >>

Understanding how a company has managed their credit in the past is the key indicator of future performance.

>> More on Payment Data >>

Among the major Credit Bureaus, only Creditsafe is able to offer enhanced financial information that includes sources like commercial credit cards and open-ended lines of credit.

>> More on Financial Payment Data >>

Scores and Limits

Our industry leading scoring system includes key statistical metrics and the most advanced statistical techniques to help determine the financial stability of a company. 

Created by our in-house analytics division, the Creditsafe Credit Score is a statistically backed model using key data variables, including financials, trade payments, demographics, industry, legal filings, group structure, size of business and more, that have proven to have an impact when a business fails. 

With our scoring model, we can predict 70% of company insolvencies 12 months in advance—saving you the financial worry that bad debt brings.  

Credit Score

The Creditsafe Credit Score works on a scale of 1-100 and predicts the likelihood that a company's payment performance will become seriously delinquent, defined as 90 plus days beyond terms within the next 12 months or that the business will go bankrupt

Days Beyond Term (DBT)

Our trade payment analysis that highlights how many days late a company pays their bills and how it compares to their industry.

International Score

The Creditsafe International Score is a standardized score derived from the Creditsafe rating. It enables credit risk comparison between companies that are registered in different countries.

Derogatory Legal

The number and value of tax liens and judgement filed in the last 6 years and 9 months plus bankruptcies filed in the last 9 years and 9 months

Credit Limit

The Creditsafe recommended credit limit is calculated using information from a company's payment record and from the payment records of similar companies. The Credit Limit is a recommendation of the maximum amount of credit you should consider offering this company at one time.

Payment Trend

Easily understand at a glance if there are any substantial changes in how they’re paying their bills

Inquiry Trend

See how many other companies are viewing a report

Business Spend Trend

Indicates whether the company's total annual business spend is increasing or decreasing compared to the previous 12 months.

"Creditsafe is very much worth the yearly investment for us. As a small business, it is imperative to be able to continually check in on the credit status of your open accounts. As the AR Manager who wears many different hats, Creditsafe puts the information as an easy-to-access and understand report and alert. I plan on renewing year after year."

BAI Distributors Inc.

 

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Core Business Data

The data within this section of the report can help you better understand any issues that may affect the company in the near future. Are there major executive changes? Is there an increase in the number of liens placed on the company?

To gain a better insight into a how a company operates, you need to know more about the people running the business. By reviewing information on the people leading a company, you can get a better understanding of where the business is going. 

Safe Number

Creditsafe's unique identifier for every registered company

Company Information

Includes any other legal names such as a DBA, address, phone number and website

Google Maps

Pin-point the exact location of the business

SIC Description

The Standard Industrial Classification is a system for classifying industries by a four-digit code

Business Type

Is the company a Corporation, Cooperative, Government, Incorporation, LLC, LLP, Non Profit, Partnership, or Sole Proprietorship

Location Type

See if the location is a Headquarters, Branch, Subsidiary, Franchise, Franchisor or Single Office

Officer Information

See the officers of each company and identify other know affiliations

Group Struture and Linkages

Corporate hierarchical structure identifying the head office, parent companies, subsidiaries and branches at a global level

Trading Locations

Identify any logistics concerns by knowing the full list of company addresses

Years in Business

Learn how long a company has been operating and its incorporation date

Annual Sales Amount

See how much revenue a company earned last year

Number of Employees

Total number of people who work for a company

Legal Filings

State and Federal Tax Liens, UCC Filings, Judgments and Bankruptcies

Government Award Information

Identify companies that have been awarded government contracts or grants.

Compliance Indicators

Key compliance indicators such as sanctioned business information.

Possible OFAC

Flag sanctioned businesses that the U.S. government prohibits from trading with under the Patriot Act

Federal Motor Carrier Safety Data

Understand transportation companies’ Motor Carrier safety ratings, fleet size and types of cargoes moved

Historical Data

See what's changed and when

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Payment Data

Trade payment history is the backbone of a credit report as understanding how a company has managed their credit in the past is the key indicator of future performance. Companies with a long history of managing their business credit effectively are most likely to continue this pattern into the future. 

Creditsafe’s reports all include Trade Data with millions of new payment experiences uploaded into our reports in our ever-growing trade database. 

Trade Lines

Easily see how many other companies are known to be extending them credit and how timely they’re paying those bills

Financials

Directly link to financial statement information for public companies and nonprofit organizations based on income statements and balance sheets

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Enhance a report with Financial Payment Data

Financial Trade gives unprecedented insight into the health of small and micro businesses so that Credit Managers can make the most informed decisions possible. Our Financial trade product leverages data that has traditionally been off-limits to business credit bureaus such as business leases, commercial credit cards and term loans.

Unique to Creditsafe you can request access to Financial Trade Data which includes accounts such as:

Business Lease

Commercial Credit Card

Letter of Credit

Line of Credit

Open-ended line of credit

Term Loan

When Financial Payment Data is available, we offer the ability to enhance a report

Enhanced Rating

Works on a scale of 1-100 and predicts the likelihood that a business’s payment performance for both financial and non-financial trade accounts will become seriously delinquent (90+ DBT) or the business will fail in the next 12 months.

Enhanced Credit Limit

Calculated using information from a company’s Financial and Non-Financial payment record and from the payment records of similar companies.

Financial Past Due

The total delinquent dollars (not including charged-off) on open and closed financial accounts

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Where does our data come from?

At Creditsafe, we pride ourselves on the data and business intelligence we supply to our customers.

The data used to create our scores and limits comes from working with official sources such as Government entities and the Court System, and our selected global network of international data partners. To further increase the validity of our data, we include trade payment data from our trusted trade payment data suppliers to give you the most accurate picture of the financial stability of a company.

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Global Monitoring Service

With Creditsafe’s Global Monitoring Service you’ll never again miss vital changes to the companies that you do business with. The system is highly adaptable and allows you to customize the alerts you receive to ensure that you’re only getting the most relevant notifications for your business needs. 

Receive detailed email updates of any changes to US or international companies you have chosen to follow and how often you receive them. Countries available to monitor include: Belgium, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Japan, Lithuania, Luxemburg, Netherlands, Norway, Spain, Sweden, Switzerland and the UK.

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Monitor Your Companies of Interest:

  • Monitor Your Company

  • Monitor Your Customers

  • Monitor Your Debtors

  • Monitor Your Suppliers

  • Monitor Your Competitors

Monitor US Companies

Receive email alerts on changes to: Credit score, credit limit, company status, DBT, bankruptcy, derogatory filing count or change, derogatory filing outstanding amount or change, possible OFAC

Monitor International Companies

Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors

Get Email Updates

Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors

Organize Your Alerts

Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors

Choose what to be alerted on

Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors

Choose how often you want to receive alerts

Receive email alerts on changes to: International score, credit limit, company name, address, phone number, directors

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Global Coverage

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Why Creditsafe?

As the world’s most used provider of company credit reports, Creditsafe help over 500,000 users make 450,000 decisions daily. Here are just some of the many reasons companies choose Creditsafe:

Our predictive credit scoring system

Our system is one of the most predictive within the industry

No tiered reports

Unlike our competitors we believe in giving you all the information you need in one report

Our international coverage

As we access to over 365m company reports in 160 countries. 99.9% can be delivered instantly

Approved by insurers

Our credit scores & limits are endorsed and therefore trusted, by all major US credit insurers

Dedicated support & account management

With a typical response time of 1 hour, we believe every customer deserves personal account management. That is why every client has a dedicated account manager

No automatic renewal

With a customer retention rate of over 95%, we want our customers to stay with us because they are happy with our service, not because they are tied into a contract

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