Creditsafe has the industry's largest wholly owned business database, delivering accurate and reliable data to more than 200,000 subscribers worldwide. In the US alone, we track 119 million company profiles across all 50 states, providing unmatched coverage and depth. Our risk scores are powered by 13,400 trusted data sources, including bureaus, public records, direct feeds, Secretary of State filings, and federal, state and county courts. Combined with data from our local partners and Creditsafe's proprietary scoring algorithm, we deliver the intelligence businesses need to make confident decisions.
Our global database contains insights on over 430 million businesses, officers and shareholders.
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200,000+
Subscribers Worldwide
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119 million
US Company Profiles
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13,400 Data Sources
Powering our Risk Scores
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70+ Countries
Live business data
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50 US states
covered
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The industry's largest
wholly owned business database
Creditsafe is the founder and administrator of a global network of leading commercial credit reference agencies. We have live data streams for over 70 countries, working with partners that are recognized market leaders in each country for online database reports. By using local providers wherever possible, we are ensuring niche knowledge is streamed into our data and updated on a regular basis.
Trade payment & invoice data
We collect and analyse how millions of invoices are paid daily from over 85 million tradelines worldwide.
Our Trade Payment Data Program is built on real life payment experiences from over 3,800 real companies in the US alone giving you accurate insight into how invoices are paid. This information is then built into our scoring model, allowing all aspects of available information to be taken into account when scoring a company. The data allows us to map an accurate picture of a company’s payment performance and see how they rank against their industry regarding how they pay their bills.
Our real-time supplier payment data in key US industries like construction, agriculture, energy, healthcare, and manufacturing helps you make decisions that drive real business results. With $12.1 trillion in outstanding balances being tracked in real time across the US economy, you'll know which companies can help your business thrive; and who to steer clear of.
Scoring & Analysis
We predict upto 70% of bankrupcties up to 12 months in advance
The Creditsafe scoring model is a highly predictive analytical tool that uses the latest advanced, statistical techniques. It combines commercial and other key information, including trade payment information, public information, key financial ratios, industry sector analysis, and other performance indicators, providing Creditsafe customers with a view of their existing and future customers.
The Creditsafe scoring model predicts the likelihood of a company failing within the next 12 months. Our rating model was created by our analytics team who looked at companies that failed over a 12 month period and assessed the commonalities within these failures. We compile hundreds of variables and look at the weighting each variable carried, along with the impact each variable had on the failed businesses. We select a number of variables which we compile together to create the modules, bringing you the most up-to-date information within our data.
Our data process
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Sourcing
Our data is globally sourced on local levels and then amalgamated into our products. We use information from local Registries, local publications, debt collection sources plus more in all our online countries. Our data is wholly owned or delivered to us by our trusted local partners across the globe.
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Validation
When we receive our data, we validate it using various techniques from data issue tracking, certification and statistic collection to workflow management and aggregate-based verification. We have a Data Governance framework which ensures we maintain quality of information we provide to our clients.
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Transformation
When our data is verified, we transform and process it in our data factory. The data is merged, cleansed and linked through a surveillance system to ensure every piece of data is formatted and distributed in the correct way for the accurate purpose.
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Amalgamation
Once our data has been verified and transformed, we then feed it into our credit algorithm and products, creating the most up-to-date and accurate data on scores and limits, financial results, officer information, payment performance data, plus much more.
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Frequently Asked Questions
What business data should you check before extending credit to another company in the US?
Before extending trade credit, it's important to look beyond basic company registration details. A thorough business assessment should include financial information, payment behavior, legal filings, company ownership, corporate hierarchy, officers and directors, UCC filings, Secretary of State records and any recent changes that could affect financial stability.
The strongest decisions are made by combining multiple data sources rather than relying on a single credit score. Payment trends, court records and ownership changes often provide early warning signs that may not appear in financial statements alone.
Creditsafe combines data from thousands of trusted sources, including government registries, trade payment contributors, courts, public filings and proprietary investigations, helping businesses make more informed credit decisions.
Where does business credit data come from?
Business credit data is collected from many different public and private sources. These commonly include:
- Secretary of State filings
- Government registries
- Trade payment data
- Court records
- UCC filings
- Banking and financial data
- Company investigations
- Corporate ownership records
- Official public filings
- Business directory information
Because businesses change constantly, high-quality business intelligence providers continuously validate and refresh information rather than relying on static databases.
Creditsafe updates its business data millions of times every day using thousands of trusted data sources to help customers access current information when making business decisions.
What information is included in a business credit report?
A US business credit report typically combines multiple data points to provide a broader picture of a company's financial health.
Depending on the provider, a report may include:
- Credit score and risk indicators
- Company registration details
- Financial information
- Payment history
- Directors and officers
- Shareholders
- Corporate family trees
- Legal filings
- UCC filings
- Bankruptcy information
- Industry classification
- Company ownership
- Trade payment experiences
The most comprehensive reports combine both public records and private payment information to help businesses make confident credit, procurement and supplier decisions.
Where does business credit data come from?
Business credit data is collected from many different public and private sources. These commonly include:
- Secretary of State filings
- Government registries
- Trade payment data
- Court records
- UCC filings
- Banking and financial data
- Company investigations
- Corporate ownership records
- Official public filings
- Business directory information
Because businesses change constantly, high-quality business intelligence providers continuously validate and refresh information rather than relying on static databases.
Creditsafe updates its business data millions of times every day using thousands of trusted data sources to help customers access current information when making business decisions.
Why is using multiple business data sources better than relying on one database?
No single database contains every piece of information about every business.
Combining multiple sources improves:
- Company coverage
- Data accuracy
- Payment visibility
- Ownership information
- Legal records
- Financial insight
- Risk assessment
This approach helps reduce false positives, uncovers missing information and creates a more complete understanding of potential customers, suppliers and business partners.
Creditsafe brings together data from thousands of public, private and proprietary sources to provide a more comprehensive view of business risk.
How often should business information be updated?
Business information changes every day. Companies change ownership, directors, financial status, legal filings and payment behavior throughout the year.
Using outdated business data increases the likelihood of poor credit decisions, compliance issues and missed sales opportunities.
Businesses that regularly verify and monitor customers, suppliers and prospects are better positioned to identify risk early and maintain accurate records.
Creditsafe continuously refreshes business information from thousands of trusted sources to provide current company intelligence.
How can businesses identify early warning signs of financial distress?
Businesses rarely fail without warning.
Some of the earliest indicators of financial distress include:
- Slower supplier payments
- Increasing Days Beyond Terms (DBT)
- New lawsuits or judgments
- UCC filings
- Changes in directors or ownership
- Declining payment performance
- Negative legal activity
- Increased collection actions
Monitoring these changes regularly allows businesses to react before a customer or supplier becomes a significant financial risk.
Creditsafe combines payment intelligence, legal data and company monitoring to help organizations identify these warning signs earlier.
How does better business data improve credit and supplier decisions?
Better business data helps organizations reduce uncertainty throughout the customer and supplier lifecycle.
Accurate, up-to-date information supports:
- Faster credit decisions
- Better supplier selection
- Reduced bad debt and write-offs
- Improved cash flow
- Stronger compliance
- Better customer onboarding
- More effective account monitoring
- Increased confidence when entering new business relationships
Rather than relying on assumptions, organizations can make decisions using verified financial, payment and legal information.
Creditsafe provides access to comprehensive business intelligence covering millions of companies, helping finance, credit, procurement and sales teams make smarter commercial decisions.