Scores & Limits
Financial Data
Officer Information
Invoices and Payments
Data analysis is at the core of what we do at Creditsafe. Our industry leading scoring system includes key statistical metrics and the most advanced statistical techniques to help determine the financial stability of a company.
With our scoring model, we can predict 70% of company insolvencies 12 months in advance—saving you the financial worry that bad debt brings. In fact, our credit scores and limits are so predictive that all leading credit insurers endorse them.
While we make every effort to simplify the credit lending decision for you through our ratings and limits, we understand that our business credit reports are also used for other purposes. For example, our credit reports provide you with the crucial data needed when you’re looking at a potential merger or takeover and tendering process, or if you want a more in depth view of a company you’re about to do business with. This is why we include up to 5 years’ of full financials as standard.
In a Creditsafe business credit report you will always find (where available) the following:
In addition to this data, we also include access to information such as UCC filings, new corporations, director changes, changes of registered addresses, and much more.
To gain a better insight into a how a company operates, you need to know more about the people running the business.
By reviewing information on the people leading a company, you can get a better understanding of where the business is going. All our business credit reports include officer data, and using our reports you can expect to find the following information:
Also included in our reports is the business credit score of the company at the time an Officer has resigned.
The payment behavior of a business is a strong indicator of their current financial situation. If a company falls behind on its invoices it’s statistically proven to be more likely to become insolvent.
We created the Creditsafe Trade Payment Program for this reason. To date we have over 7,000 suppliers of trade payment data worldwide and over 63% of all our viewed credit reports contain trade payment data.
Group Structure
View ultimate and parent holding company information including those overseas and any possible linkages
Global Structure
Review over 320 million business credit reports instantly online with the Creditsafe database
Trading Locations
Identify any logistics concerns by knowing the full list of company addresses
Legal Filings
Review a company’s Legal filings such as suits, liens, judgments and bankruptcies
Media Information
Instantly receive notification of media coverage on your key, selected vendors and customers.
Payment Behavior
Examine Trade payment analysis highlighting how a company pays their suppliers and how it compares to their industry
The data used to create our scores and limits comes from working with official sources such as Government entities and the Court System, and our selected global network of international data partners. To further increase the validity of our data, we include trade payment data from our trusted trade payment data suppliers to give you the most accurate picture of the financial stability of a company.
Change to Company Information
Receive email updates that detail changes to companies that you are doing business with.
Monitor Debtors
Create portfolios of your debtors and receive instant alerts to any changes on that company.
Exports
Export your entire portfolio with all updated business information appended. You choose the information that you want to see from 17 different categories. Once you’ve chosen the information that matters the most to you, you can choose how often you receive these updates.
The Creditsafe scoring model works on a scale of 1-100 and predicts the likelihood that a business’s payment performance will become seriously delinquent, defined as 90-plus days beyond terms within the next 12 months or that the business will go bankrupt.
Your business credit score is calculated using the most sophisticated statistical algorithms available - taking into account over 150 parameters as well as economic and industry factors.
The information in the Creditsafe database is derived from multiple data sources including trade suppliers, demographic suppliers, government entities, court systems, and individual companies. This information is updated periodically throughout the year, from daily to monthlydepending on the data type. All information is verified before hitting our database and feeding the scores and limits that CreditsafeUSA provides our customers. As the information is verified and then loaded into our database, our scores are updated to reflect the new information. All scoresand limits are generated from our proprietary algorithms that are consistently refined based on advances in technology and process improvement.
Creditsafe international database reports are updated in real-time, over 1 million times a day.
No, we believe in providing all the data you need in one comprehensive business credit report to make an informed decision.
The credit limits within our Business Credit Reports are approved by all leading credit insurers. As an approved source, policy holders can use our recommended credit limits and integrate this into their discretionary policy limit or at a level advised by their credit insurance underwriter.