Experian BusinessIQ Premier Profile SM
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1 Experian BusinessIQ Premier Profile SM Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public.
2 Comprehensive business report that facilitates better decision making by supplying critical information needed dfor Accessing credit risk Performing background checks Combines credit risk, fraud checks and company background into a single report Quick glimpse views visually direct your focus to key information needed for business decisions Comprehensive details so you can quickly and precisely determine the creditworthiness of a business Experian Public. 2
3 Quick glimpse views Risk dashboard Highlights potential risk tied to payment behavior, legal filings, and fraud Color coded to help highlight areas of higher risk Commercial Fraud Shield SM Provides a series of checks to screen for potential indicators t of ffraudulent activity it Include OFAC, victim and inconsistencies checks Risk score current & quarterly Predicts the likelihood of seriously derogatory payment within the next 12 months Provides insight into score history over past 12 months Credit limit recommendation Provides a guide to help set or adjust a credit limit Credit line is based on trade information, industry, age of business and the Intelliscore Plus SM score Experian Public. 3
4 Comprehensive details Trade payment details along with monthly and quarterly trending Collection accounts Bankruptcy, tax liens and judgments Et Extensive background on large businesses and corporate financial statements provided for publicly traded companies Corporate linkage detail to help assess a business's overall risk and structure Data returned from BizSource SM, Experians industry leading commercial database Experian Public. 4
5 Commercial Fraud Shield SM delivery BusinessIQ Premier Profile SM exclusive First line of defense that allows users to recognize warning signs of potential fraud Key fraud alerts always display to create paper trail for know your customer and red flag requirements Active business indicator Possible OFAC Match Business victim statement Experian Public. 5
6 Commercial Fraud Shield SM Solutions overview 18 high-risk characteristic indicators. Addresses and Tax IDs High-risk behaviors OFAC Indicates if the address is vacant, residential, or if the applicants address is different from the onfile address Checks for inconsistencies with the business name and tax ID number Identifies whether the business is currently active Indentifies if the business is a previous victim of fraud Checks the business name and address against the OFAC list Experian Public. 6
7 Deeper dive Experian Public. 7
8 Identifying information Identifying information Key identifying information includes Experians Business Identification Number Verified legal name Identifies whether or not the primary name for this business is a verified legal name Experian Public. 8
9 Risk dashboard Highlights potential risk tied to payment behavior, legal filings and dfraud Color-coded to help highlight areas of higher risk Experian Public. 9
10 Tip Days beyond term Days Beyond Term (DBT) is the number of days, on average, it takes a business to pay its bills past the invoice i datet Calculation starts at 30 days DBT is calculated using continuous tradelines only Continuous tradelines have been updated in the past 90 days and have existed more than 90 days The DBT for all industries in the U.S. is ten Predicted DBT forecasts payment trends for the next 60 days Experian Public. 10
11 Business facts Provides key operational facts about the business File establish date and date of incorporation Key company contacts, annual sales and number of employees Industry identification Standard Industrial Classification (SIC) codes, North thamerican Industry Classification System (NAICS) codes Public company indicator along with stock exchange and ticker Non profit indicator Fortune 1000 rankings Experian Public. 11
12 Commercial Fraud Shield SM delivery BusinessIQ Premier Profile SM exclusive Results of key fraud alerts always display to create paper trail for KYC and red flag requirements Active business indicator Possible OFAC match Business victim statement Experian Public. 12
13 Credit risk score Credit risk score Intelliscore Plus SM predicts the likelihood of seriously derogatory payment within the next 12 months Quarterly score trends The average score over the past four quarters Experian Public. 13
14 Credit limit recommendation Credit limit recommendation compares the business against similar businesses Based on trade information, industry, age of business and the Intelliscore Plus SM score Using the credit limit recommendation A credit limit recommendation can be used to help set a new credit limit or modify the credit limit for an existing customer The final decision should be based on your companys companys business policies Experian Public. 14
15 Payment and legal filings summary Summary for key payment and legal indicators Days beyond terms (DBT) Trade and collection balances and line counts Derogatory legal filings summary Industry payment comparison Experian Public. 15
16 Payment trends Monthly and quarterly payment trends Identifies seasonal trends Helps gain visibility to improving and deteriorating payment performance Experian Public. 16
17 Collections Identifies the details associated with accounts that have been placed for collections Experians commercial collection database is the largest in the world It comprises information contributed by collection agencies to Experian Experian Public. 17
18 Trade payment summary Trade categorizations Continuous trade thats thats had at least one update in the three months New trade that was added within the last three months with no updates Combined combines payment experiences of new and continuous Additional trade trade not updated within the last three months or non-standard trade accounts with payment information that differs from standard trade payment Trade line total summary of new continuous and additional trades Experian Public. 18
19 Trade payment details Identifies the details associated with accounts that have been placed for collections and derogatory public record filings Trade detail displayed in two categories Trade payment new and continuously reported Trade payment additional ltrade detailst Experian Public. 19
20 Derogatory public record Identifies the details associated with accounts that have been placed for derogatory public record tax liens, judgments and UCC s Experian Public. 20
21 Uniform Commercial Code (UCC) filings UCC filings Identifies assets pledged as collateral Experian Public. 21
22 Tip Cautionary UCCs Companies that extend secured loans to other businesses file Uniform Commercial Code (UCC) filings with the secretary of state t office to protectt t their interest in the asset Cautionary UCCs include one or more of the following collateral: Accounts, accounts receivable, contracts, hereafter acquired inventory, leases, notes receivable or proceeds Recent presence or numerous cautionary UCCs may indicate financial distress Experian Public. 22
23 Inquiries Inquiries Identify whether this business is actively seeking credit and the type of businesses inquiring Summary of all inquiries made during the last nine months Experian Public. 23
24 Corporate linkage Corporate linkage Identification of financial and legal relationships Experian Public. 24
25 Tip Experian data retention Data Bankruptcy Collections Judgment Tax lien Uniform Commercial Codes (UCCs) Trade data, bank information, government relationships, leasing Shelf life 9years and 9months 6 years and 9 months 6 years and 9 months 6 years and 9 months 5 years 36 months Experian Public. 25
26 For further details on Experian products, please call Business Credit Information Inc. at Experian Public.
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