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Credit Reports

Credit Reports
Equifax
Experian
Experian Authentication
Trans Union
Bank Account and Check History
Dun & Bradstreet
Experian Business
Searches
OFAC Patriot Act Search
Merge
Features


ACCESS consumer and commercial credit reports in real-time.  MAKE accurate risk assessments of potential customers, employees, or tenants. INCREASE revenue and growth.  START managing multiple sites from one central location.  All you need is a web browser.


Equifax
  24-Month Payment History
View payment history of applicants for 24 months.

  Beacon
Predict the likelihood that a new or existing account will become delinquent within 24 months after scoring.

  Consumer Referral Location
Receive the bureau address in addition to a credit report.

  Credit Profile Report
Is the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.
Support for US and Canada

  DTEC
Using just a Social Security number, DTEC searches the nationwide Equifax database of consumer files returning any matching individuals
Support for US and Canada

  EDAS
EDAS, Enhanced Delinquency Alert System, predicts the likelihood of a consumer going bankrupt or becoming seriously delinquent within 12 months.

  Finders
Provides the skip-locate impact of a full credit report by searching Equifax's nationwide database.
Support for US and Canada

  Fraud Advisor
Identify, rank order and translate risk potential while verifying consumer ID.

  GEO
Access geographical information in addition to a Credit Profile Report.

  ID Report
Search for skipped acounts, former employees and beneficiaries without a social.
Support for US and Canada

  On-Line Directory
Decode inquirers, trades and collection customers automatically.

  Persona Report
Provides demographic and financial information that can be used by employers to aid in the hiring process or verification of employment for screening purposes.


Experian
  Address Update
Find current address and track down skipped accounts.

  Bullseye Report
Report corrections and updates to consumer credit reports.

  Collection Report
Provides information needed to locate and collect from a debtor by presenting consumer-identifying information separately from credit-related information.

  Connect Check Plus
Designed for regulated utility companies to indentify identity inconsistencies and minimize risk exposure.

  Credit Profile Report
Is the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.

  Cross View Optional / Product
Supplemental tool geared towards granting credit to emerging consumers like students, immigrants and recently-divorced individuals.

  Decode
Need to find out who is behind a subscriber number?

  Direct Check
The fastest, most inexpensive way to contact other credit grantors to obtain updated information about customers and prospects.

  Employment Insight
Quickly verify statements on a resume or application.

  FACS+
Indentify potential fraudulent activity with alerts when an applicant's data is cautious, high-risk or non-residential.

  GEO
Access geographical information in addition to a Credit Profile Report.

  Instant Prescreen
Provides comprehensive information limiting risk potential and making a clear snapshot of each prospect.

  Instant Update
Report delinquent information to the Experian consumer credit report database.

  Business Profile Summary
Get 17 key calculations from the Credit Profile Report, giving you a true picture of a consumer's debt, monthly obligations and payment history.

  Social Search
Locate hard-to-find individuals using just a Social Security Number


Experian Authentication
  Authentication Solutions Level 1
This product can be used to verify both consumer and business information, streamline application processing and reduce fraud. It can also be included as part of your prescreening criteria.

  Authentication Solutions Level 2
This product is a credit enhanced version of Level 1 that can be used to verify both consumer and business information, streamline application processing and reduce fraud. It can also be included as part of your prescreening criteria. This version also checks Experian's national credit database


Trans Union
  Instant Deposit Screen, Credit Risk Screen, Review, and Prescreen
These products are decisioning tools that analyze a consumer’s credit file. Decide whether or not a consumer qualifies for a product or level of service.

  ATLAS
Access extensive name and address information from this telephone lookup system.

  Credit Report
Is the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.
Support for US and Canada

  Collection Credit Report
Collection Credit Report, returns credit activity in the last 12 months.

  Fraud ID-Tect
Verification tool designed to prevent application fraud and determine the validity of personal information.

  Government Report
This product is a Government Agency Disclosure report and is only available to government agencies or institutions with permissible purpose.

  GEO
Access geographical information in addition to a Credit Profile Report.

  Account Reporting Review
Access proprietary tradeline information for your subscriber code.

  ID Search, ID Report
Delivers personal information including name, address, aliases, SIN, Employment, Date of Birth, and phone number from just a name or social.
Support for US and Canada

  Creditor Contact Search
Need to find out who is behind a subscriber number?

  Employment Credit Report
Determine how responsible an individual is with employment, tradeline, collection, public record, and inquiry information.

  Retrace and Retrace Plus
Access the Trans Union database using just the name and address.

  Reverse Phone Append
Access national database for reverse phone number searches.

  Model Report and ID Report with Score
This report provides credit scoring and analytical consumer credit information.
Support for US and Canada

  Total ID
This report provides comprehensive identity verification and application analysis to prevent fraud.

  SSN Search and SSN Report
Locate names and associated addresses from a particular Social Security Number.


FICO Expansion Score
  FICO Score Card Automotive Model(Term)
Use this product for automotive loans and/or leases when little or no credit history is available. This product uses both application data and sub-prime data to generate a FICO Expansion Score similar to a score on a credit report.

  FICO Score Card Credit Card Model(Revolving)
Use this product for credit card and retail loans when little or no credit history is available. This product uses both application data and sub-prime data to generate a FICO Expansion Score similar to a score on a credit report.

  FICO Score Card Mortgage Model
Use this product for mortgages when little or no credit history is available. This product uses application data, limited credit report data and sub-prime data to generate a FICO Expansion Score similar to a score on a credit report.

  FICO Score Evaluation Tool
With this unique report, you can offer your customers a copy of their score range with explanations as well as suggestions to help improve their score.


Bank Account and Check History
  ChexSystems
Provides financial institutions with a history of closed-for-cause accounts, NSF history and inquires.

  Banking Header Report
This report provides header information. You should use this product as a primary or secondary search to skip tracing. With on-file data from the entire banking industry, this product can provide contact information where other products have failed. This is the second most popular search for those in the collection industry. This product is for Collections and is a non-permissive product.


Dun & Bradstreet
  Business Background Report
Get a brief business summary and background information about a company.

  Business Background Report
Get summary information on the background of a company and its management.

  Business Decision
Provides automated credit decisions across your organization.

  Business Information Report
Get information to determine a company's profitability, operations, and stability.

  Business Information – Banking
This report provides basic and/or credit related information on a business with a detailed banking section.

  Business Information – Changes
This report provides basic and/or credit related information on a business with a detailed changes section.

  Business Information – Finance
Get information for financial information for your analysis, such as assets, sales, liabilities, and profits. Comments summarizing the figures enhance your analysis.

  Business Information – History
Get summary informaton to evaluate the experience of the company and company background of its principals to assist you in identifying hidden problems or business potential.

  Business Information – History and Operations
This report provides basic and/or credit related information on a business with a detailed history and operations section.

  Business Information – ID & Summary
This report provides basic and/or credit related information on a business with a detailed ID & summary section.

  Business Information – Operations
Get information to understand a firm's operations, using information about what the company does, a description of facilities, number of employees, and location. Details may also include names and locations of branches and any known subsidiaries.

  Business Information – Payments
Brief highlights of a company's payment patterns by line of business, shows you how suppliers in various industries are getting paid.

  Business Information – Public Filings
Find activity that can affect a company's stability such as lawsuits, liens, judgments, bankuptcies, and UCC filings.

  Business Information – Special Events
Get alerts when there are major changes in D&B's file, such as acquisitions, ownership changes, fires, burglaries, and bankruptcies.

  Business Information – Special Events, Changes and Update
This report provides basic and/or credit related information on a business with a detailed special events, changes and update section.

  Business Information – Update Only
This report provides basic and/or credit related information on a business with a detailed update section.

  Comprehensive Report
Get informative and an in-depth evaluation of a company's financial stability.

  Credit Advisory System
Get assessment of a company's business and financial projections as well as recommendations based on current business components.

  Credit Check Report
Get assessment of how much credit you should extend to the individual or company.

  Credit Scoring Report
Predicts the likelihood of a company paying in a delinquent manner (90+ days past terms) during the next 12 months.

  ERL Report
This report provides basic and/or credit related information.

  Family Tree Branch Report
Learn a company’s family members to help discover new business opportunities, and perform merger and market analysis.

  Family Tree Complete Report
This report provides complete company information, such as name, address, phone number, executive owner & title, line of business, and DUNS number.

  Family Tree Subsidiary Report
This report provides a summary of company subsidiary information, such as name, address, phone number, executive owner & title, line of business, and DUNS number.

  Family Tree Summary Report
This report provides a summary of company information, such as name, address, phone number, executive owner & title, line of business, and DUNS number.

  Financial Stress Report
Predict a company’s possibilty of failing.

  Government Activity Report
This report provides basic and/or credit related information on a business with a detailed banking section.

  Identification Report
This report provides basic identification information on a business or individual.

  Limited Information Report
This report provides basic information on a business.

  Marketing Snapshot Report
This report provides basic marketing information on a business.

  Payment Analysis Report
Provides an in-depth historical analysis of a company's payment performance.

  Payment Firm vs. Industry
Provides in-depth analysis of a company's payment performance.

  Rating Verification
Verifies the credit rating of a company.

  Rental Decision Report
Provides a rental decision based on credit information on a business or individual.

  SIC 2+2 Report
This report provides basic and/or credit related information on a business.

  Summary Business Information Report
Get brief business summary and background information on a company as wells as the business background of its senior management.

  Supplier Evaluation
This predictive tool uses an easy-to-understand risk score (on a scale of 1 to 9, with 1 being the lowest risk and 9 the highest) to help you determine the risk involved of doing business with a U.S. supplier.

  Trade InterChange
This Trade Report can assist you in increasing your collections and productivity, as well as support the quality of information available to help other company decision-makers reduce credit risk.


Experian Business
  Business Profile
Get a comprehensive profile of a companies credit history detailing payment behavior, public record history, and other pertinent data.

  Collection Priority Intelliscore, Commercial Intelliscore and Custom Intelliscore
Intelliscore services use statistical credit risk scoring models to predict the likelihood of a company becoming significantly delinquent.

  Industry Trade
Compiles trade payment information contributed by members of an industry trade group into a custom credit report.

  Intelliscore Full Backup Report
Use this product to request a Business Profile and/or Business Owner Report from any previously requested Intelliscore report that is no older than three days.

  International Profile
Assess financial information of businesses from over 200 countries.

  Lease Decision Score
Improve the credit quality of your portfolio by making qualified decisions during the lease origination process and for account management reviews.

  Business Owner Profile
Imports consumer credit data on a business owner from Experian Consumer.

  Portfolio Monitoring
Know when your customers are headed for trouble. This product alerts you to significant changes in the creditworthiness of an account. Alerts are updated in your portfolio list and automatically sent via e-mail.

  Business Profile Summary
Low-cost abbreviated business report designed for quick decisions on low balance/low margin accounts.

  Small Business Intelliscore
Intelliscore services use statistical credit risk scoring models to predict the likelihood of a company becoming significantly delinquent. The small business version is ideal for companies with a limited credit history.

  UCC Detail Report
Get UCC, Uniform Commercial Code, filings relating to a specific business. This report includes liens between individuals and businesses.


PayNet
  PayNet Company Search
This industry leading product is a rich source of data on equipment financing transaction and business credit information necessary for financing small business loans.

  PayNet Payment History Report
This report provides in-depth payment history, equipment credit scores, equipment leases, loan obligations, bankruptcies, liens, judgments and UCC filings.


Searches(Additional Data Sources)
  2 Credit Bureau Header Search
This Search provides access to credit header records from the credit bureaus and returns current address and telephone information.

  Bankruptcies, Liens and Judgments
Manage risk utilizing this database when granting credit. This database can also be used for fraud detection as well as identity validation. The Bankruptcies, Liens, and Judgements database includes records obtained from the final bankruptcies, liens, and judgements found in court records.

  Bankruptcy Search
Provides most current search nationwide for bankruptcy filings on a person or business within just 2 days of a filing and returns Trustee, attorney for filer, assets, liabilities, chapter, date of creditors meeting and disposition.

  Property Search
Details from a deed or assessor

  UCC Search
Details from a loan made by a corporation. This includes items used for collateral.


Merge
  MicroMerge Credit Profile Report
Merge data from all 3 bureaus to create a Credit Profile Report in an easy to read format.

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