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The following describes how to view a Small Business Credit Report.
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NOTE: Depending on your search results, you may see flag indicators in certain columns. These flags indicate a potential risk, which may prompt further investigation. For more information, refer to Risk Indicators. |
The report presents data in clear, intuitive pages and
sections. Use
the left-hand side of the page, which contains links, divided by page
headers (e.g. Summary, Trade, Public Records), to specific report sections.
Select the section links to quickly navigate to the section you're interested
in. Report
sections that have no content will not be linked.
The LexisNexis® Small Business Credit Reports present a concise picture of a legal, non-human entity. The reports are comprised from billions public and proprietary records analyzed, filtered and linked through our proprietary algorithms. These records are melded with SBFE data™ to provide financial performance data. For consistency, we tend to refer to these entities as businesses, but this service contains any kind of legal entity that is not a consumer.
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NOTE: Clicking a link will expand that section of the report if it is currently collapsed. |
The following is a list of report sections, divided into pages, with
a brief description of each:
Summary
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Report Section |
Properties | ||||||||||||||||||||||||||||||||||||||||||||
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The business summary contains an overview of the report subjects. This
section appears at the top of each page. It contains the best contact
information, and a summary of the subjects identifying information. The best contact information we have pertaining to the business and
input Authorized Representative is at the very top of the report. This
includes the subjects name, address, LexID®/LexID®
Business Legal Entity number, and for the business where available: telephone,
date established and TIN. Best
information is typically the most current and/or most complete information
we have. We also provide date of most recent trade on file, Estimated Annual
Income, Business Type (as provided to SBFE),
Estimated Employees, Industry description, Ultimate parent of the business
and SOS status. | |||||||||||||||||||||||||||||||||||||||||||||
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This line displays matching
company names and addresses based on the input search terms. | |||||||||||||||||||||||||||||||||||||||||||||
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This section can contain 2 scores. If an Authorized representative is provided on input then LexisNexis® Small Business Blended Credit Score with SBFE Data™ model is provided. The LexisNexis® Small Business Credit Score with SBFE Data™ model is provided in all reports. Both score models were developed to help predict and identify accounts that may charge-off, become 91 or more days past due, or become bankrupt in the next 18 months. Both scores are three-digits, ranging from 501 (highest credit risk) to 900 (lowest credit risk).
A score exception is returned in the following scenario:
Reason Codes The top four reason codes are returned with the results of each score. These reason codes provide insights into the factors that influenced the score calculation.
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The trade summary section contains an overview
of the report subject's financial trade line information. This section
contains a Trade Summary, Credit Utilized and Days
Beyond Terms. The Trade Summary contains headline information of the report
subject's financial trade line information.
Most Severe Status/Current Payment Status/Payment Status Below is a table of descriptions for the above 3 statuses.
Credit Utilized The term utilized describes the percentage
that an account is used in comparison to the amount of available credit.
For example, if the business's total amount of available credit is $10,000
and the business uses $6,000 of the available credit, the percentage utilized
is 60%. The chart shows information from all revolving financial trade
accounts that are on record. These are line of credit accounts, commercial
credit card accounts and open-ended line of credit accounts. Days Beyond Terms This is
a dollar weighted average number of days past the due date a business
takes to pay its open financial trade accounts. The chart shows a comparison
over recent months. | |||||||||||||||||||||||||||||||||||||||||||||
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This section highlights key aspects of the report, including counts for such things as:
Additionally,
the overview will also indicate the presence of records in which the business
is a debtor in an active UCC,
bankruptcies, judgments or liens and notices of default and/or foreclosed
real properties. | |||||||||||||||||||||||||||||||||||||||||||||
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The inquiries
section contains counts of inquiries made on the report subject with LexisNexis®
(SBFE does not provide inquiry information). The records are broken out
first by the industry of the inquirer and then how recently the inquiry
occurred. Any inquiry not made in the last 12 months will only be displayed
in the Total column. |
Trade
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Report Section |
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The term utilized describes the percentage that has been used in comparison to the amount of available credit. For example, if the business's total amount of available credit is $10,000 and the business uses $6,000 of the available credit, the percentage utilized is 60%. The chart shows information from all revolving financial trade accounts that are on record. These are line of credit accounts, commercial credit card accounts and open-ended line of credit accounts.
The Credit Utilization History plots the Credit Limit (in Blue),
Credit Utilized (in Red) and the
percentage of credit utilized (in Green).
The left axis will show the scale for Credit Limit and Credit Utilized
and the right axis shows the percentage scale. | |||||||||||||||||||||||||||||||||||||||||||||
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This is a dollar weighted average number of days past the due date a business takes to pay its open financial trade accounts. The charts show the most recent DBT and a comparison of the last 6 months available and the previous calendar year.
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The Trade
Summary contains headline information of the report subject's financial
trade line information.
Most Severe Status/Current Payment Status/Payment Status Below is a table of descriptions for the above 3 statuses.
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This section shows an aged debt summary
of the outstanding balance of all financial trade accounts. This table
includes the outstanding balance and then percentage breakdowns of how
much of the balance is; within terms, or 1-30 days, 31-60 days, 61-90
days and 90+ days past due. | |||||||||||||||||||||||||||||||||||||||||||||
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The Financial Account Details section includes granular information on each financial trade account.
The section contains all financial trade accounts attributed to the business. A summary description displays by default, and as with other sections in the report, you may view additional details either at a row level by clicking on the plus symbol, or expand the details for all rows by using the Details feature.
Summary
description Items
Further Details The expanded section shows up to 5 sections;
Further information about the account, Account Credit Utilization, 24
Month history, Other Overdue Payments and Charge-off Details. Further information contains the following additional items:
Account Credit Utilization This section contains the Average percentage of utilization, the highest credit limit and the highest amount outstanding on an account within the given year.
24 Month history The history reported on the account over the most recent 24 months. Includes the date reported, date closed the current limit, amount outstanding, payment status (see table above) and the amount overdue.
Other Overdue payments In the same format as the 24 month history
any overdue payment from 25 to 84 months (7 Years).
Charge-Off Details This section contains information about charged-off accounts, including
the charge-off date, the amount that was charged off, the type of the amount that was
charged off, and the amount that has been recovered since the account was charged off.
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This section
contains a list of businesses that have the report subject listed as an
Owner or Guarantor on a Financial Trade account or is a known subsidiary
from LexisNexis® extensive linking of records. A link to the report is provided for further investigation. If selected this will incur a further charge.
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Report Section |
Properties |
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The section contains a list of Owners or Guarantors as listed in the
financial trade accounts of the report subject. The listed entity can
be either a business or a person and can also be an owner, a guarantor
or both. This information is provided along with links to the businesses
credit report or the persons Smartlinx® Person report. Either link, if
selected, will incur a further charge. As with other sections in the report, you may view additional details either at a row level by clicking on the plus symbol, or expand the details for all rows by using the Details feature. Within Details there are Account Details and Related Account Details sections. Account Details contains a list of other accounts the owner/guarantor is listed as an owner or guarantor. When no other account is present this will be unable to be expanded. Related Account Details contains a list of accounts the owner/guarantor is related to via a business listed in the above Account Details section. When no other account is present this will be unable to be expanded. 24 Month history The history reported on the account over the most recent 24 months.
Includes the date reported, date closed the current limit, amount outstanding,
payment status (see table above) and the amount overdue. |
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Report Section |
Properties |
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This section provides summary counts of the public records in the report and events in those records. Key counts include:
" current real property holdings " current personal properties " secured assets reported via UCC records " count of current executives
Additionally, there are accounts that indicate the presence of records
in which the business is a debtor in an active UCC, bankruptcies, judgments
or liens and notices of default and/or foreclosed real properties. | |
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This section contains bankruptcy records attributed to the business. A summary description displays by default, and as with other sections in the report, you may view additional details either at a row level by clicking on the plus symbol, or expand the details for all rows by using the Details feature.
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This section contains judgment and lien records attributed to the business.
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This section contains UCC (Uniform Commercial Code) records attributed to the business. Note: the report includes filings in which the subject is the debtor as well as filings in which the subject is a creditor or secured party. You may filter the display by using checking/un-checking these options:
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The Secretary of State section of the report contains a summarized view of Secretary of State and other business registrations associated to the business. To see the details of the filings, click the Source link.
To the greatest extent possible, we have normalized the SOS status values, however where we could not determine the filings status, an N/A will display in that column. You may also apply these filters to display only active filings. You can also filter records by the state the record was registered in.
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The Real
Property section contains information pertaining to real estate
assets associated to the business. Properties
with a Foreclosure/Notice of Default will display first, followed by current
properties associated to the subject and then by properties no longer
associated to the subject. Prior properties can be suppressed from display be unchecking the Show Prior widget at the top of the Real Property table.
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The Personal Property section of the report contains information about motor vehicles (MVR), watercraft and aircraft associated to the business.
As in other parts of the report, you can restrict the display to only current properties and/or filter the types of properties that display.
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The Licenses section contains information on any permits issued by government agencies to the reports subject.
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Report Section |
Properties |
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Identifying business information is provided on the Parent of the report
subject. The parent is identified using LexisNexis® linking technology
to assess information gathered on a business. | |
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This section contains businesses which may be closely related to the subject of the report, but which do not meet our rigorous precision requirements to join with the subject. Companies with very similar names and very similar addresses may appear in this section as may companies which are separate legal entities, but share a connection (such as a common owner) to the subject of the report.
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Report Section |
Properties |
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The Executive Roles section contains persons who have been associated with the business in the past 24 months AND held an operational or managerial title.
The executives are listed in alphabetical order by last name along with their title(s). Where a Get Smartlinx Person Report link displays, you can go directly to that executives SmartLinx Person report. When a Search for first-name last-name link displays, we have been unable to resolve that executive to a single LexID, but will conduct a Find A Person Search to display a list of candidates.
When an executive is associated with companies other than the subject of the report, the Associated with other companies icon will display:
This icon indicates that the executive has associated bankruptcies, judgment or liens:
And where appropriate, we will indicate executives who are associated
with a deceased record. | |
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As with the Executive Roles section in the Company Profile, this section contains persons with operational or managerial titles, however these individuals have not been associated to the business in the past 24 months, but were associated further in the past.
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Report Section |
Properties |
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This section includes Telephone and Website information for the report
subject. | |
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This section contains two tables. The Additional Addresses section contains a table listing all addresses we have been able to associate to the business. The Name Variations section
contains a list of all names that we have associated with this business
record. | |
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Both Primary and additional SIC and NAICS for the report subject are included in this section. Both the Code and the Description are displayed.
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Report Section |
Properties |
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By selecting the link a news search is instigated using the Business name. Results will be displayed from our news source. The News source contains English language, full-text news sources. Access to certain freelance articles and other features within this publication (i.e. photographs, classifieds, etc...) may not be available.
The results page contains a link to edit the search terms so the search can be tailored even further.
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Screen Element |
Properties |
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Click this link to print your results. For more information, refer to Printing/Downloading in Portal Help. Please note that any sections you chose to collapse before running the report will not be included in your print.
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Download |
Click this link to download HTML or text formatted files containing your search results. For more information, refer to Printing/Downloading in Portal Help. Please note that any sections you chose to collapse before running the report will not be included in your download.
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Help
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Click this link to launch online help (but if you're
reading this, you've no doubt figured that out already). |
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Sources |
The Sources section contains a breakdown of all the sources used to create the report, with links to view the source records.
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