Experian reports are new to our industry and the knowledge, expertise, and pleasant demeanor of your customer service representatives have made what could have been a difficult transition very helpful and informative. Many of our credit managers are relatively new to credit and only a very small percentage have used credit reporting services to help them with their credit decisions.
The initial training that Command Credit offeredto our managers was tremendously helpful in getting them up to speed on being able to read and understand the Experian reports. I also appreciate the help you have been to the new managers who have called you for advice and information on how to interpret the information on reports.
Your willingness to take their calls and help them understand has dramatically shortened the learning curve for them and I personally appreciate everything Command Credit has done for us. Command Credit has been a tremendous asset and partnet in our business and its customer service representatives are great ambassadors for your company.
- Robert M Rollins, Raycom Media Inc.
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Business Owner Profile
Today small businesses make up 90% of all US companies, with 70% of those as sole proprietorships.
Extending credit to small business can be risky, especially when the principal's resources are an
important criteria in the credit decision, you need to know: Are their personal finances supporting
the business or vice versa?
With the help of Business Owner Profile you can turn small business
into big profits. Linking the credit histories of over five million business owners their businesses.
This report gives personal credit information on a company's principal, including:
Identifying information
Proprietor's Executive Summary
Individual Risk Profile
General Risk Guidelines
Major Characteristics
Credit payment profile
Current credit profile
Account profile
Public Record Profile
Inquiry Section
Consumer Statement
File Variation References
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If you are not now authorized to access a Business Owner Profile, and would like to, call our
Customer Service Group @ 1-800-676-9705 or have one of our representatives
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subscription.
Identifying information |
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Identifying information includes the name and home address of the proprietor, his or her business, and
name and address of the proprietor's current employer or last employer.
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Proprietor's Executive Summary |
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This summary provides summary data for a quick overview of the proprietor's credit risk profile,
including year of birth and real estate information.
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Individual Risk Profile |
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Based on Experian's National Risk Model, the Individual Risk Profile predicts the chance of the
proprietor entering seriously derogatory status within two years.
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General Risk Guidelines |
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Classifies all proprietors into one of three risk ranges and identifies the risk range of the
proprietor you inquired upon based on his/her chance of entering derogatory stauts within the next
two years.
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Major Characteristics |
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Used to determine the probability percentage of the proprietor becoming derogatory within two years.
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Credit payment profile |
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A summary of the proprietor's current payment performance, including monthly payments, percent
current, past due payments, total balance, outstanding and largest balance outstanding.
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Current credit profile |
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A summary of the proprietor's loan obligations, including balances for installment loans, real estate
loans, revolving credit and charges, and pending balloon payments.
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Account profile |
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A summary of accounts and their delinquent status in the following categories:
- Negative Account Profile
- Positive Account Profile
- Neutral Account Profile
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Public Record Profile |
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Legal actions filed against the proprietor, including tax liens, judgements and bankruptcies. May
include filing date, amount, reference number, plaintiff, court name, status and comment.
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Inquiry Section |
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All inquiries made on the proprietor within the past 24 months, plus the business category of the inquirer.
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Consumer Statement |
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Disputes and supplemental data related to transactional information.
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File Variation References |
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To inform you that Experian has located additional information under different identifiers than those
used in the the inquiry. The File Variation Reference number under proprietor's trade lines, public
record information or inquiries can be matched to the File Variation Reference section at the end of
the report.
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