Slide 1
In these days of financial instability, key financial information from an authoritative source is vital to doing business. Experian's Business Credit Profiles (File 547) on Dialog is that source. The following overview provides details about this financial database.
Slide 2
Produced by Experian, a global information solutions company, Experian's Business Credit Profiles (File 547) provides significant financial information for more than 11 million U.S. public and private companies and includes the industry's most extensive data on the diverse small-business market. Data includes payment history and bankruptcy information, tax and legal history, Standard & Poor's information and more. Information is drawn from impartial, third-party sources and continually verified to ensure accuracy. Full audited financials are available for all publicly held U.S. companies. The file is updated weekly.
Slide 3
File 547 contains a number of important financials. The Executive summary gives a quick overview of a business' credit behavior so you can determine whether or not you need to see more details. Trade payments provides a timely view of a business's credit performance. Other payment data includes payment experiences on non-trade accounts such as leases and bank loans. Trends and history represent a continuous analysis of payment behavior over time. S&P data are an important indicator of the financial health of publicly held companies. UCC details list the top 10 most recent Uniform Commercial Codes including original, amendments or terminations.
Slide 4
As companies continue to face the challenges of today's economy, information and data analysis are essential to help guide their strategic, operational, risk management and asset valuation decisions. Experian's Business Credit Profiles is an important database to understand where opportunities exist and where you should use caution as well as helping you assess the risk in business segments and where there is and isn't opportunity to expand your business. Information from File 547 can help you determine whether you can confidently make a credit decision concerning a new customer and assess the credit risk based on collateral such as real estate and inventory. It also enables you to decide whether to do business with companies and choose reliable suppliers and partners. You can also identify the best business leads for your company based on your current customers' characteristics.
Slide 5
Each record may contain different amounts and kinds of information from tax liens to judgments to complete payment information. Use Dialog's Format 6 to see exactly what types of information the record will contain and the most current update date.
Slide 6
This is a record from a large corporation. Because of the size of the company and because it is a public company more information is available. The Executive summary provides a summary of payment history.
Slide 7
Payments made to vendors are listed including how long the vendor has been a customer. Each tradeline represents a unique credit relationship. For this company payment totals are also given summarizing continuously reported and newly reported tradelines.
Slide 8
Payment trends indicate changes in payment behavior over the previous six months and payment history represents a 15-month analysis of the payment trends. Look at the Bluesheet for File 547 to see an even more comprehensive record.
Slide 9
As you can see, Experian's Business Credit Profiles provides comprehensive coverage of financial information for U.S. companies. File 547 is Dialog's free File of the Month in December 2010 and you can search it for free up to $100 (either DialUnits or Connect time). Output and Alerts charges are not included. Read the story on the free file in the December Chronolog and try it out in December 2010 for free!
Make sure you are signed up for the Chronolog to see all the news at Dialog including other free files each month. If you have any questions, you can also contact the Knowledge Center by phone or email at .
Slide 10
This completes our overview of Experian's Business Credit Profiles on Dialog. Thank you for your interest in this authoritative financial database and put it on your list to try for free in December.
