FAQs Products
When do I request a Business Profile (BP)?
When do I request a Commercial Intelliscore?
When do I request a Business Owner Profile (BOP)?
When do I request a Business Summary?
When do I request a Match Merge consumer credit report?
How does Experian create the Business Profile?
How does Experian ensure the accuracy of Business Profile data?
What is Experian's National Risk Model?
How do I interpret the National Risk Model's score and percentage?
Where does CCC get public record information?
How current is CCC's public record information?
Does CCC have national coverage for all public records?
What do Portfolio Monitoring flags warn me of?

Subscription Services
How do I subscribe?
How do I renew my subscription?
Does CCC offer collection services?
What does a CCC subscription cost?

Data Contribution
How do I get my information in Experian's database?
How do I get my information in the Building Industry Trade Database?
What does CCC do with the data it collects from me?
What is the privacy policy associated with contributed data?
What should I tell my customers regarding data contribution?

Ordering Online Reports
Why do I have more than one user name and password?
How do I obtain a user name and password for Experian's online reports?
How do I obtain a user name and password for Trans Union online reports?
How do I access the online bureaus?
How do I access Match Merge Reports online?
Why am I having trouble printing my reports?

Building Industry Trade Search Database
When do I request a BITS report?
How do I request a BITS report?


Products
When do I request a Business Profile (BP)?
The Business Profile (BP) is ideally suited for large, commercial entities that have been in business for five (5) or more years.

One indication of a large entity is the person signing the credit application. In large companies this is usually the credit manager, since the president or VP is not usually involved in applying for credit.


When do I request a Commercial Intelliscore?
Use the Intelliscore when you want to improve decision turn around times and increase productivity while reducing overall operational cost.

Intelliscore enables you to accurately assess the potential risk of small businesses, which comprise 90% of U.S. businesses.


When do I request a Business Owner Profile (BOP)?
If limited trade payment information is available from a Business Profile (BP) or Intelliscore, CCC suggests accessing the principals credit history.

This report includes consumer information as well as some business information. (A signed credit application is required)

Determine whether personal finances are supporting the business or vice versa. This report is critical in cases reliant on the principal's resources for the credit decision.


When do I request a Business Summary?
The Business summary is best used to review an account after you run a Business Profile (BP) or Intelliscore.

For example, the company hasn't done business with you for sometime and is requesting a line of credit again. You have a BP or Intelliscore on file, you already have an idea on how the company operates, you just want to know if there has been any derogatory change.

Also use this report if requesting a larger line of credit, or just to update files.


When do I request a Match Merge consumer credit report?
The Match Merge report is designed for the small, single-proprietorship company, d.b.a type businesses where a personal guarantee is given or individual credit applicants who has personally authorized you to investigate their credit history.

The Match Merge report can also be pulled when an individual has become delinquent. (A signed application is required on all new applicants.)


How does Experian create the Business Profile?
Experian's Business Profile is compiled from trade and public record information collected from third-party vendors and reflects a company's actual payment profile. Over 330 million trade lines are processed annually, courthouse-provided legal data are updated weekly, and constantly updated UCC filings.

All this makes 76 percent of Experian's information current within three months.


How does Experian ensure the accuracy of Business Profile data?
Experian ensures the accuracy and integrity of Business Profile data by:

What is Experian's National Risk Model?
Experian's National Risk Model is displayed on the Business Owner Profile and is a powerful tool to help you predict the potential risk of seriously deragotory behavior for consumers.

The model is based on a ramdomly selected sample of two million consumer accounts, from Experian's consumer informtaion database, representing both good and bad credit profiles. The model uses a numerical score to indicate the likelihood that an account will become seriously delinquent in the next 24 months. Derogatory credit behavior is defined as those accounts that have developed into collection accounts, repossessions, charge-offs, foreclosures or bankruptcies.


How do I interpret the National Risk Model's score and percentage?
The National Risk Model's score translates directly into statistical probablity. The lower the score, the lower the risk. For example, a score of 10 indicated that there is a 10% chance that at least one tradeline will become seriously delinquent.

The National Risk Model, the probability percentages and the major characteristics associated with the risk score should be used only as guidelines. You may identify different percentages to represent different risks.



Where does CCC get public record information?
UCC and corporate record information comes primarily from secretaries of state offices, but we also get some information from county offices.

We collect bankruptcy information from federal bankruptcy courts. Judgment and tax lien information comes from courts (district, circuit, justice, municipal, superior, magistrate, probate and state), town clerks and registers of deeds.

We get our Fictitious Business Name (Doing Business As) information from county recorders offices, county clerks offices and county business licensing offices.


How current is CCC's public record information?
The quality of data collected from government offices depends on how often the particular office provides us with updates. (Please note that the UCC and corporate record detail reports display a "current through" date, which is when the most recent information was added to our database.)

The quality of data collected from courthouses also depends on the size and/or location of each court. Data obtained from courthouses serving large metropolitan areas is updated frequently. In most cases, bankruptcies are collected on a daily basis.

Almost all other courthouse data is collected monthly or weekly, with some information (usually from courthouses serving less-populated areas) collected quarterly. Once we receive updated information, we add it to our database within 24 hours.


Does CCC have national coverage for all public records?
Tax liens, judgments and bankruptcies are available nationwide.

UCC information is available in 43 states and the District of Columbia. (We don't have UCC information in Georgia, Hawaii, Kentucky, New Jersey, South Carolina, Vermont or West Virginia.)

Corporate record information is available in 42 states and the District of Columbia. (We don't have corporate record information in Alabama, Delaware, Hawaii, New Jersey, South Carolina, Utah, Vermont or West Virginia.)

Fictitious Business Name (Doing Business As) information is available nationwide, but not in all counties of each state.



What do Portfolio Monitoring flags warn me of?
There a 7 Portfolio Monitoring warning flags that alert customers to take action:
Subscription Services
How do I subscribe?
Simply give us a call at 1-800-676-9705 and one of our representatives will help you determine which package is best for you.



How do I renew my subscription?
Renew your subscription with Command Credit by calling today at 1-800-676-9705 and continue to receive the most competitive prices on the market.



Does CCC offer collection services?
Need a collections referral? Give us a call at 1-800-676-9705.



What does a CCC subscription cost?
The more you use the less we cost. Give us a call at 1-800-676-9705 for pricing and contract information.

Data Contribution
How do I get my information in Experian's database?
Becoming an Experian data contributor is easy. Simply call us at 1-800-676-9705 to sign-up for the service and start forwarding us your accounts receivables. You can download the template in our download center.


How do I get my information in the Building Industry Trade Database?
Becoming a BITS data contributor is easy. Simply call us at 1-800-676-9705 to sign-up for the service and start forwarding us your accounts receivables. You can download the template in our download center.


What does CCC do with the data it collects from me?
It is important to note that the data you report will NEVER be reproduced and will NEVER be sold to another party in its original form. Once data is loaded, all media is destroyed.


What is the privacy policy associated with contributed data?
Experian and Command Credit uphold strict standards to ensure the confidentiality of data. Legal and system standards have been designed to limit access, check the integrity of new information, secure privacy and verify data.

What should I tell my customers regarding data contribution?
CCC can provide you with labels for invoicing, informing your customers you are reporting to the national credit bureau. If you should have any questions or need assistance, please do not hesitate to call us at 800.676.9705.

Ordering Online Reports
Why do I have more than one user name and password?
In order to meet your full range of credit needs from commercial accounts to employment reports, Command Credit has partnered with the leading bureaus in their field. Each bureau wants to ensure the cyber security of their information and therefore requires a bureau-specific user name and password.

If you have any questions, or have forgotten your user name and password, please don't hesitate to call us at 800.676.9705.


How do I obtain a user name and password for Experian's online reports?
If you have a CCC subscriber code, you may register for an Experian website user name and password. To do this, you will first need to fill out the application forms and fax a signed copy to customer service at 800,284,2733.

You can download these forms at our Download Center

If you have already received a user name and password, make sure to enter the website user name and password - not your subscriber number and password - whenever accessing Experian information.

If you already have an Experian user name and password, click here to go to this access page.


How do I obtain a user name and password for Trans Union online reports?
If you have a CCC subscriber code you may obtain a user name and password to Trans Union's online access. Simply call your customer service rep at 800.676.9705. Make sure to have the following information handy:

How many users will be accessing the bureau and what type of user would you like them to be? What type of printer are you using? If you already have a TU user name and password, click here to go to this access page.


How do I access the bureaus online?
Command Credit has designed a LaunchPad for easy bureau access. Simply select the bureau you want and the LaunchPad will automatically direct you to the corresponding access page.



How do I access Match Merge Reports online?
Command Credit is working hard to bring our customers a reliable, online interface for Match Merge Reports. Email us and will put you on the list to alert you when it is ready to go. In the meantime, you can fax us your application at 800.284.2733.



Why am I having trouble printing my reports?
If you are using Internet Explorer: If using Netscape Navigator:
BITS Database
When do I request a BITS report?


How do I request a BITS report?
For a new credit applicant fax a CCC request form, indicating new customer and a completed credit application with the following information: For a credit review of an existing customer, simply fax us a CCC request form indicating either an increase in credit limit, or delinquent account review to 1-800-284-2733.



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