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Business Credit Report

Business credit reports indicate the current financial health of a customer. These reports are generated by various credit bureaus such as D&B, Experian, Equifax. Credit teams review and analyze the business credit reports before extending credit to customers.

Types of B2B Credit Reports

  • Equifax Credit Report
  • Equifax business credit reports provide the latest financial information across 200 countries. You can get access to information such as trade payment history, business demographics, liens, UCC and bankruptcy information, guarantor information associated with the business.

  • Experian Credit Report
  • Experian business credit reports provide information such as credit score, risk factors, banking and collection history, UCC filings, liens, and bankruptcy information.

  • D&B Credit Report
  • D&B credit reports provide information such as D&B rating, PAYDEX score, credit limit recommendations, corporate family tree(information related to subsidiaries and business units), payment history, and payment terms.

How to Pull a Business Credit Report?

Usually, credit teams log into various credit agencies’(D&B, Experian) portals to download their credit reports. This is a highly manual process considering credit analysts have to log into these portals multiple times a day for their huge customer base.

Alternatively, credit teams can automate the extraction of credit reports from various bureaus, agencies, and credit insurers.

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HighRadius Credit Software automates the credit management process, enabling credit managers to make highly-accurate credit decisions 2X faster and enable faster customer onboarding with 4 primary components: configurable online credit application, customizable credit scoring engines, credit agency data aggregation engine, and collaborative credit management workflow. Along with that, there are a lot of key features that should definitely be explored some of which are online credit application, credit information aggregation, automated credit scoring & risk assessment, credit management workflows, approval workflows, and automated bank & trade reference checks. The result is faster customer onboarding, better internal collaboration, higher customer satisfaction, more targeted periodic reviews, and lower credit risk across the company’s customer portfolio.