Explain the benefits of the CCN Corporate Credit Program and tell me how
it will help my business grow.
The benefits of the TrueBuildSM
Corporate Credit Program are three-fold:
as an entrepreneur, you must COMPLETELY understand the real importance of
having and establishing your business credit (see next FAQ). We are
the only service COMPLETELY dedicated to your success. We have been in
business longer than any major service and have literally been copied by all
of the noteworthy providers costing ten times as much. We do not sign
you up to offer coaching or other nonsense upgrades to get you in the system
when they fail to deliver, and subsequently costing you thousands. The price
you see is what you get and it's worth its weight in gold (cards).
Second, with more members than all services combined, our collective pool of
the latest information is our single largest resource. There is simply
no problem or concern you might have that we have not already addressed.
However, if an issue arises we will address it and solve it, together.
Business Credit is not a difficult process, yet hundreds have tried to do it
on their own rather than pay copy-cat services thousands for assistance. If you make
mistakes, they are irreparable. Unlike personal credit, business credit has
no protection. That is why we specifically DO NOT ever want to charge
companies insane fees to do what is so simple for us. It has to be done correctly
and in the right sequence. We have kept our costs down and are here to help
find you resources; business credit and cash flow and we are dedicated to helping you achieve the success, credit
score, and income of your dreams. We are not here to take it away.
We GUARANTEE, you are going to get more for less from us and we will get
your Business Credit established.
What is Business Credit?
(By Mike / Founder)
Business Credit can be referred to as many things, one of them being Trade
Credit. Trade or Business Credit is the single largest source of
credit and bartering on terms in the world so far, vastly out-seeding
personal credit. We all know what a FICO score is and the algorithms
used by Fair Issac, and in general everyone knows that when making a large
personal purchase, a score over 800 is considered good. Based upon
that score, we all know we are going to get approved for personal credit
products running the gamut from credit cards to home loans.
is truly amazing is that business owners do not know what their Paydex or
Intelliscores are. Business credit is almost exactly like personal
credit. When you start a business and structure it correctly, it is a
separate, living, breathing entity that has its own credit and it will
outlive you as the primary principle or share holder. It certainly
dumbfounds us at CCN credit why 9 out of 10 businesses fail due to cash flow
issues, especially when given basic common knowledge of business credit
you ever buy a home without knowing your FICO score? Perhaps 5 years ago you
didn’t know, but this is the Internet age of unlimited information and there
is simply no excuse to not fully take advantage of the cash flow
enhancements using a separate credit profile for your business offers.
Secondly, and almost as important, what if you are one of the 90 percent who
don’t make it when starting your business. Why in the world would you put
you and your family as risk to lose everything? Every single day members
sign up because they previously had good personal credit and leveraged every
last penny to build their business. They simply did not have the cash flow
to sustain until they reached their dreams. As entrepreneurs, it is in our
spirit to try and try again until we do succeed and these hard lessons only
make us stronger. I personally implore you, as a business owner, that even
if you do not join the CCN program, get incorporated and use your business
credit to achieve your success instead of putting your personal assets at
all-star office supply sales representative in 2001, I was in the same
situation. I decided that it was time to take my accounts with me in the
advent of the Internet age to achieve success while helping others do the
same. As an experienced and well-versed salesman, I found it was not
too difficult to build a nationwide company. What I did not know as the
absolute most important aspect in building a business or being a real
entrepreneur was credit and cash flow. When clients didn’t pay on time, I
could not pay on time and that was a harsh lesson for me and my own personal
credit. If my company was going to sell hundreds of thousands in office
supplies every month, I had to have corporate credit!
began the journey into helping literally tens of thousands of start-ups all the way
through to well-established Fortune 10000 companies. Today we have the most
intensive research staff that seek out and explore the latest and hottest
ways to legally strengthen, build, grow and establish a separate business
are two main ways business credit can help you. First, we can help you build
your business credit profile so you will be approved online for credit cards
instantly without using your social security number. These simple credit
cards translate into cash flow, whether it be for Dell computers, Office
Supplies, Office Furniture, Phones, Equipment, Trucks, or regular Credit
second way we can help is sometimes industry specific. If I am a construction company and want to bid
a job and take a deposit, how do I get my materials? It is so simple and
basic. If I am a clothing company or store, and I want to get all my hot new
items for the Christmas season WITHOUT using my personal credit, how do I do
this? Just have the wholesaler or manufacturer finance you. Everyone knows
what NET-30 billing is, but it is incredulous that with a little attention
and a few hundred dollars, you can increase your credit lines with trade
credit 100-fold! You CAN have the purchasing and trade credit leverage
of companies that are ten times the size of your company.
business owner/ entrepreneur, how can you possibly start or grow a business
and expect to be successful without having or knowing your business credit
score? That is our mission – to help as many business owners as
possible realize their dreams and guide them through one of the most simple,
yet most important aspects of their business – Cash Flow.
are in desperate need of money to stay afloat, I hope we can help you. There
is no other service or place on the planet that has more insider information
or real assistance than CCN. If you are building your business, don’t
be crazy, KNOW your credit scores, PAY your bills on-time, and LEARN how to
create the business credit of a company PRO-actively. Better yet, don’t use
ANY personal credit, family money, venture capital – start your business
using business credit and grow it fast!
see the need for Business Credit as an Entrepreneur, CCN is the definitive
answer. We have become the largest service of our kind in the world.
We hope to empower you and grow with you, giving you increasingly HELPFUL
and ETHICAL insider information on what banks to use, what to do and how to
do it. We are a profitable company, and we are truly the only service
that is taking your membership fees to empower our knowledge base.
There is a huge difference between us and the handful of other companies
that are out to make as much money as possible.
will see us grow whether or not you join our service. But we sincerely hope
that in taking the time to read this, you will join us and understand the
importance of this aspect of your business, which is generating CASH FLOW
without personally guaranteeing any of it!
What can I expect once I am a member of the
you have become a member of the CCN program, you will receive a user name
and password to use when accessing the members only area of the website. We
will work together to asses what your credit goals are and what type of
business credit cards are most beneficial. Initially it is necessary to lay
the foundation for your business as a separate legal entity. This process
includes: obtaining and registering your company address and phone number,
choosing a business structure, and getting incorporated. Your assigned
technician will double check all of these areas to make sure that you are
listed correctly and are in full compliance to build proper and separate
begin by opening what are called "vendor" accounts. These are large
nationwide companies that will extend credit to your corporation based upon
the very minimal credit your company may have. Concurrently, we are going to
be obtaining your company's credit identifying numbers (DUNS & Experian BIN)
, at no cost, NEVER pay for these! There are various tricks and techniques
for getting these overnight. As your company places very small and minimal
initial orders with the vendors (selling things you need like office
supplies), CCN is also reporting your open credit line with us per
your monthly credit extension and membership fee. During this initial
jump-start period we are going to look at what credit your company might
already have and see if we can add those lines or perhaps push the process a
long even faster if they have been reported. Some corporations may even
already have a Paydex score established which is fairly easy but not enough
trades with high enough amounts, equaling only minor credit, like a staples
credit line for example.
this stage is complete we move on to the Commercial Credit areas where we
start by getting approvals from Citi backed cards such as corporate /
commercial gas cards, office supply companies, computer vendors, direct
vendors like Apple or Tiger Direct etc. This in turn, if done in the proper
sequence, avoids any extraneous inquiries or frustrating declines. Again at
no time do we EVER want to use the owner (s) personal guarantee for anything
as it defeats the purpose of separating one's credit files.
We will work together on a
massive list of retail creditors and the requirements that each one requires
to get approved.
where most DIY researchers make the most mistakes and pro long any real
results for months and years, inquiries DO matter when it comes to business
credit. Entrepreneurs by nature want to do everything themselves and a lot
of us have our lives wrapped up in our business so we are "control freaks"
to put it mildly. Those that go it alone end up destroying their Experian
scores almost every time thinking that they can find the applications
themselves online and know what they are doing. Once you have more than a
few declines without really knowing what to do next your business credit
approvals will halt for many months. We run into his every day. Don't trust
ANYTHING you read from a forum, ever.
final step that the TrueBuildSM program goes over is leveraging
your business credit score to obtain advanced approvals. Some of the
advanced approvals we will help you secure are no PG credit cards (Yes, Visa
and M/C without a SSN), LOC's, cash loans, large equipment leasing, micro
loans, and purchasing private and commercial property.
How long does the CCN process take?
It takes 60 to 180 days
to establish a good file with business credit agencies and get the approvals
without a personal guarantor. What normally takes years we can establish
within a matter of months based on pro-actively following certain simple
steps in the exact order and correctly. Think about it, will any real lender
finance you personally without good FICO credit scores? The answer is NO. If
you have bad or no personal credit, you can only find very high interest
money. The same is true if you have no business credit scores. No real
lender will finance your business if it does not have good business credit
Did you know that
without having good business credit scores, lenders will rely solely on your
personal credit? So, if you have a FICO score above a 700, and are willing
to risk your personal credit, then you have a chance of being financed. Less
than optimal personal credit will result in declines, unless of course you
have stellar business credit scores.
What type of vendors
and retail credit will be available once I join?
We have a list of dozens of vendors that will
offer lines of credit to all CCN members during the start-up phase. Over the
years we have developed relationships with these companies to offer our
members exclusive deals that no one else receives. Most importantly, these
vendors will report your positive trades with Dun and Bradstreet and
Experian Business. The vendors know that as an CCN member, you are dedicated
to building a strong business credit profile, and therefore, will be
afforded a credit line without a personal guarantee. This is any area
however where you should also be careful as over the years bad information
has propagated and what and who reports, additionally many companies like a
mirror to personal credit scams and will charge and get their word out via
forums that they report and you should basically pay them for a useless
product or service and it will get reported. This can and does most of the
time get your business red flagged. These companies contact us all the time,
and each one thinks the idea is a new one. Every time DNB finds out and we
know of hundreds of companies permanently flagged again trying to do this on
their own with bad information. The vendors you will be using with TrueBuild
are guaranteed to be accurate and ethical and the ones that have an
exclusive agreement with us you will not find anywhere else for exactly this
Some of the types of
vendors that we are partnered with are:
a. Office Supplies
Graphic and Logo Design
c. Computers and
Printing and Promotional
Web Design and E-Commerce
Banking, and Financial Services
g. Marketing and
paying the initial fee, will I have to invest any more money?
will not have any fees or dues from CCN credit beyond your initial
membership agreement, but you will need to purchase items or services using
your business credit accounts so that your credit lines are reported to the
appropriate agencies. We have many vendors that offer all sorts of business
services and products ranging from office supplies, logo design, computers,
and printing. These are useful competitively priced business products and
services from nationwide companies you already know of. So to answer your
question, it is up to you how much you will want to put on the business's
credit from the beginning, but even very small purchases are reported (as
low as $10 and billed as Net-30) So if you can afford to order a ream of
paper all the way up to an entire office suite and pay the bill you can
build business credit. Rather than buying $20 worth of office supplies from
Office Depot whom does not report except for collections, you will place
that order Net 30 terms with one of the CCN vendors that have agreed to
extend credit to your business regardless of circumstances and it will be
reported, building your credit profile.
don’t have a credit card and I want to become a CCN member, what can I do?
Sorry but we no longer accept e-checks, Visa/ MC/ Discover
or you may inquire with your representative for other options.
How can CCN
help my business?
I just started a new business; can you
help me obtain start-up capital?
Yes that is what we do. We specialize in helping
startup companies, like you, with little or no business credit history
established, build business credit in order to obtain company credit cards,
corporate leases and creative financing. We are the best solution available
of our kind to build your business credit without using your SSN.
I have terrible personal credit, (i.e.: bankruptcy, IRS back taxes,
etc.) how can you help me?
have very poor personal credit, or are not willing to use your personal
credit and SSN, we CAN help! In a nutshell, what we will do is build a
corporate credit profile totally separate from your personal credit, which
is the lifeline to any business as a FICO score is to a homebuyer. As a
creative example, in addition to non-PG credit cards, we can do a lease-back
where by you will lease equipment like a computer system, then lease-back
the value for cash. This will have a slightly higher rate and you will be
paying the lease and the interest on the loan but will accomplish your goal
in obtaining extra cash without the need for a PG. This is just one example
of many ways we can use Business Credit creatively within step seven.
Getting top tier auto financing, leasing and buying commercial property and
equipment you might not be able to get with your personal credit or
guarantee, the list can go on. We are the largest and most successful on the
Internet at building business credit that you will use to show the success
and legitimacy of your business. We will accomplish what normally takes
years or decades in building your files.
have gone through or are going through a bankruptcy or home repossession and
want to start a business, you would be crazy not to join. Not only can you
still have some dignity by having credit cards from about 30 retailers like
Target, Chevron, Exxon, Sears and Home Depot, but you will be able to obtain
some creative financing like equipment leases or other options you may need
to get your business up and running.
Obtaining computers from large companies
like Dell or Apple, business machines and equipment, cars, there are
literally thousands of ways having a business credit file scan help you and
your companies during lean and good times.
My business is already established; however, I want to take it to the
next level with business credit. How can you help me?
If you already have some
business credit established you are off to a great start! We are going to
build on what you have already started. Yes if you have a file started with
the major business reporting agencies then we can do it in less time. In
addition we can help you maximize your credit score by showing you how to
make sure the credit lines you may already have are reporting properly. We
are then going to give you the resources you need to take out more credit
lines and extensions using you business credit and add several additional
vendors to increase your score dramatically.
I am not a CCN
Member and I need to incorporate my business, can you help
One of the most important facets of building
business credit is incorporating your business. Without being incorporated,
the only credit you can use to finance your business is personal credit. If
your intent is to build business credit, then you must get incorporated. We
have searched hundreds of resources on the internet to find the best way for
you to incorporate your business at the lowest possible cost to you. In
fact, we have set up a partnership with BizFilings.com to offer CCN members
an exclusive deal to incorporate their business at a special discounted
rate. Contact us if you would like further information. We can also
incorporate you with everything you need and all the documents sent
overnight as a Nevada company for $395, it's as simple as that. All state
fees are paid and all inclusive. See
http://corpcomply.com for more details.
company has bad credit history; can you help me fix it?
CCN is completely dedicated to helping each
member build and maintain a robust credit profile capable of accumulating
thousands of dollars in credit from even the most difficult lenders. Most of
our clients start out with no business credit history, and with our help
establish a positive credit profile. Repairing a damaged business credit
profile by yourself can be a tricky proposition, we can VERY easily fix your
companies credit profile and take off any bad information almost overnight.
Unless you have tens of thousands in bad debt, a few late payments we can
just make go away.
until I will be able to secure large credit lines through my company?
It depends, to receive funds over and above
the $50k in regular business credit and terms (about $80k as of 08/09) we
will need to look at each individual case and see if there is a solution to
fix the owners personal credit by utilizing the funds procured from the
business. We have many clients whom have used our personal credit contacts
and resources to fix BK's and sub 500 scores up and over 700 thereby easily
obtaining SBA or other larger LOC's within months. There is no situation we
have successfully fixed. It takes time, resources and money. We will save
and get you all of these if you take our advice and work together. You will
need business credit regardless to show a legitimate concern for any
unsecured funds over $100k in today's market.
I currently have a
Paydex Score of 80; will I be able to get business credit cards through your
and you will be amazed and what a lot of time and research can produce.
Can the CCN
program enable me to qualify for an SBA loan?
Getting an actual SBA Loan with poor personal credit is very difficult,
especially with today's economy. Most SBA Loans are being denied, even
to those with good personal credit. That is where CCN Credit comes in.
There are many other resources available to tap into in order to receive
creative financing and start or build your business. Trade and
Business Credit can be utilized, by using our program, very quickly to
obtain computers, leases, company credit cards, lines of credit from
wholesalers, etc... We are the single best source for you to get your
business off the ground. If you are serious about starting your
business, we can help.
have moderate or better personal credit (680+) or are willing to go the
extra mile to procure an SBA loan we are the most resourceful company you
will find anywhere. There ARE several places to procure SBA micro (under
$35k) and 7A loans and the new administration is boosting their efforts. We
can and will help you in this process and having solid business credit IS
basically a requirement. Others include a solid business plan and other
factors banks look at including the SBFE (Small Business Financial Exchange)
We are not a "business loan broker" that charges outrageous fees to do some
simple tasks or ruins your chances of the loan you need by going to the
wrong bank because they have commissions. Even worse some entrepreneurs
COULD have procured their loans but an overzealous site or sales pitch led
them down an inquiry path that spiraled into zero funding. We are truly here
to help and make money with your membership.
Why CCN credit?
What does the TrueBuildSM
program do for me that
I can’t do for myself?
importantly we want to make sure that you stay out of the high risk status
and not get "red flagged" by any of the business credit bureaus while we
proactively build your file within only a few months. Unlike personal
credit, it is very important that you understand that there are no
protections if you make any mistakes. Many have been successful at building
and creating their business credit file, however we have seen every possible
mistake and they get made over and over again.
Simple things that you have to make sure are done are below, in addition the
exclusive vendors that are going to proactively report on your business are
available only to members.
We have hundreds of members that toiled around for
years, and yes you can get basic reporting vendors and things like Staples
cards, but if you don't do it exactly right that is pretty much what you
will get. If your looking to build real business credit in the fastest time
possible, it is simply impossible to get the results on your own that we can
produce with our vendor contacts and almost 10 years of experience.
of the items below are tips to get started.
- Make sure you are "a business" and not just "in
- Make sure all the critical agencies have your business
- Have a business bank account opened the right way to be
able to build credit.
- Know how to obtain a high bank account rating to
support business credit.
- Get a DUNS number for free without having to pay
the $550 fee.
- Be able to obtain retail business credit lines that
will report your business credit.
- Have LARGE trade lines reported to your file in
excess of $5k for real results
- Know where to open other business service accounts that
will report your credit.
- Have several vendors available that are willing to
extend trade credit to you now.
- Be able to get five (5) reporting trade credit accounts
on your DUNS file ASAP.
- Know how to build your Paydex score to a 80 or better
in the first 45 days or less.
- Find out which large companies will extend you credit
based on your Paydex score.
- Know the exact approval criteria BEFORE you apply to
- Avoid getting stuck with declines based upon simple
- Have the collective knowledge and learn from the
countless mistakes of thousands of peers
- Get loans or lease for up to $50,000 using your high
Paydex score and excellent bank rating.
- Know what lenders are looking for in your D&B
financials to extend credit to your business.
Use your Paydex score,
financials, bank rating and business plan to get credit for $100,000+. with
the RIGHT lenders in today's credit poor economy.
What makes the CCN
program different from the other Corporate Credit Programs I have seen
We have established accounts with all of the notable business credit
building services, using dummy corporations, in order to evaluate their
product and service. 10 years ago none of them were here, we are without
question the leader and the most experienced service in the world.
Rest assured, what we have seen does not begin to compare to our commitment
to excellence and service. Only one business has been able receive any
notable credit after any length of time. Based on our research, most of our
competitors have a great sales pitch but horrible results, and we cannot
figure out how they are still in business. Even worse there are complete
copy cat sites that sell our logins from years ago with completely outdated
information. A business credit makeover, really?
Can you tell me more about what your company does and the services you
Your business has its own
credit file separate from your personal credit file. CCN Credit will help
you establish business credit scores from the major bureaus not unlike your
personal FICO score. In these simply laid out and easy to follow steps you
will open accounts with credit lines up-to $5,000 with companies we have
contracts with that will not ask for your social or personal guarantee. Once
you open 5 of these and reports have been filed you will get a Paydex score
generated, which we will use in the next step to get approved automatically
for higher retail credit cards like Dell, Target, Sears, Home Depot etc.
Finally in the last steps these open credit accounts will build the file so
that we can use in-house advanced approvals techniques to get you approved
for a loan, lease, or advanced credit purchases you might need. There are no
up-front costs at all except that you will need to make some purchases on
your credit accounts for things any business might need at industry prices.
I have researched your
competitors, why do they charge so much more and don't list their prices?
our price is very reasonable and a solid value in saving time and money. We
are the Internet's largest and most successful business credit building
service because we keep our price affordable and offer outstanding customer
support. Over the years, we have seen and heard all the excuses for these
exorbitant fees time and again. The actual process for building the credit
file is very simple. Do not let another company give you excuses as to why
they charge so much. Most don't even add the additional trades to build your
credit to a point that it can be approvable within a six month time frame,
they simply "sell" lists of no PG credit grantors that are outdated. We are
the industry leaders for a reason and our founder started in the same shoes.
Rather than a make millions online selling others ideas CCN was started from
the ground up by a fellow entrepreneur whom HAD to have business credit to
stay afloat. He was successful and so will you be.
I was misled by one of
your competitors, can you help me? How do I know you won’t do the same
Our competitors have
made hundreds of thousands of dollars making promises that they cannot keep.
Some will guarantee getting you a $500,000 loan with no business credit
history while others will swear that you need to pay their ridiculous price
if you want to build your business credit the right way.
We pride ourselves in
being honest with our members. We have a dedicated staff that is constantly
looking for tips and tricks to make building your business credit easier for
you. It is our priority to help the customer, even if helping the customer
is saying, “We cannot help you” or “I don’t know but I will find out from
someone who does”
Are you a legitimate business?
We are the
Internet's largest and most successful corporate credit building program. We
have been in business nine years and have assisted tens of thousands of
people in building their business credit profiles. We have hundreds of
testimonials from past clients thanking and praising us for helping them
establish a credit profile for their business.
Give me the details.
Do you offer an affiliate
Rather than an affiliate program based on making small change for leads we
work directly with successful members whom make a considerable amount.
We currently have many CFO's, business consultants, and entrepreneurs that
take a very lucrative commissions on reselling our services. We have
affiliates that live on the beach a few blocks from our offices on the water
in Newport Beach and make way over 5 figures, to Internet entrepreneurs that
make a 25% commission on all sales that we have never spoken with.
Can I obtain an unsecured business
Visa / MC credit card without using my Social or PG?
The answer to this is simply Yes.
I am already a CCN Member and I
am having trouble logging-in
Please call customer support immediately at
(800) 730-9490, select option 2.
How many vendor
purchases will I have to make before I will be able to receive approval for
business credit cards?
There is an acclimation period to building business credit
and many underlying reasons why companies get approved in addition to their
"Paydex" or "Intelliscore" For instance we are going to obtain for you a
Paydex score in a very short amount of time but we need to add addition
business creditors in a certain sequence in order to maximize the money and
approval process. Anyone can get a Paydex and a Staples card, but that's not
what your paying us for. Your paying CCN to MAXIMIZE your business's credit
in the shortest amount of time possible. This involves higher dollar trades
and several being added. We invented the process and constantly improve upon
Do you offer this
service outside of the United States?
The CCN credit program is specifically designed
for business within the United States. All of the credit bureaus that we
work with only collect credit history on companies doing business within the
United States. All of the incorporation information and databases we submit
your information into only apply to the United States.
How much business can I expect
if I am approved as a vendor?
We have thousands of members
that are currently at different stages of the CCN program. Some of the
vendors we have now have doubled and tripled their revenue just by listing
themselves on our website. The members are required to purchase from the
vendors listed on our site because we have explained to each vendor that
they must report to the credit bureaus each time a member pays the balance
owed to them on time. The members are making purchases from the vendors we
have listed so they can build their business credit profile. Every single
member is looking for a broad range of vendors to offer them lines of credit
without requiring any background information or credit history on their
I own a
landscaping and contracting business. How can you help me?
have many, many very happy landscapers, contractors, and developers in the
have start-up contractors that simply needed to get their materials on
net-terms so they can do bigger jobs and pay for the costs after the job
were done. Some with very poor personal credit have gotten off the ground
simply by getting $15k cards from Home Depot and Lowes in addition to
getting 30-day terms with their local concrete suppliers. They wouldn’t have
been able to get off the ground and make it on their own if they had to
unprofessionally charge for all the materials up-front or could not take
bids as high. What you going to do depending on where you’re at are be able
to show that you have a successful track record of payments and find
suppliers that will approve you based on your companies credit and not your
own. There are obvious other advantages heaven forbid you were not able to
pay the companies bills you wouldn't for instance lose your house if you had
a large credit line.
landscapers and contractors in latter stages use their business credit to
procure larger machinery, trucks or whatever it is they need to lease. This
can be done regardless of personal credit if done right, and puts you the
owner at less of a risk allowing you to grow your business faster. If more
small businesses that know their business and the value in doing a good job
had a solid grasp on how to grow their financials we would see allot more
verticals and industries we will be posting specific case studies to give
you a fuller understanding of just how important business credit is to your
bottom line and how it can help.
How will the CCN program
help me with the credit bureaus?
The CCN program will
give you all the tools you need to build business credit with all of the
majors bureaus. These include; Dun and Bradstreet (The largest and most
important), Experian, FDInsight and Equifax (Increasingly crucial due to
their data partnership with the SBFE member banks and their ability to give
business banking/loan history). Most have their own "branded" numerical
score summaries for automated credit decision making like D&B's "Paydex"
score or Experian's "Intelliscore" which are very similar, but not as
complex, algorithms based on many factors. Similar to those used by Fair
Issac to calculate your personal "FICO" score, these score calculations are
proprietary to their respective companies and mainly take into account
vendors who report good payment history. We have and extensive list of
vendors who report proactively to all of the large agencies. Below is a
chart with a little more info on the major Business Credit Bureaus.
- Over 70 million businesses are registered
- The credit profile created by D&B™ uses
information provided by the business owners and vendors of the business
- Grants a PAYDEX™ score to businesses based
on payment experiences of the business.
- Issues a DUNS Rating™ based on the
financial statements of the business.
- Has a High Risk status for companies that
will destroy their ability to obtain credit if D&B™ finds information on
a company they feel to be inconsistent with their model.
- Over 14 million businesses are registered
- The credit profile created by Experian™
uses information provided by vendors only.
- Grants an Intelliscore™ based on payment
- They are one of the three largest personal
- A division of InfoUSA™.
- Provides inexpensive business credit
- Relies on information from the business
- Verifies all information presented to them
before placing on the report.
- Scores are developed from:
- Unique banking and lease payment
performance information as provided by the Small Business Financial
- Trade payment histories
- Public record data
- Optional personal credit data on the
- Available scores include:
- Small Business Financial Account
- Small Business Financial Account
- Small Business/Principal Score™
- Small Business Non-Financial Generic
- The only credit reporting agency dedicated
to small businesses.
- The credit profile created by
ClientChecker uses information provided by vendors only.
- Grants a PayQuo Score™ based on payment
- Enables vendors to report on all aspects
of working with a business, for a more complete picture
- They are relatively new to the business
- Originally made its mark as a personal
credit reporting agency for mortgage brokers.
- They are the second largest credit
reporting company in the mortgage broker field.
- Information on businesses is provided by
the business or a third party and then every piece of information is
verified by the staff of FDInsight™.
- They arguably provide the most accurate
business credit report in the industry.
- The company is listed on NASDAQ as FDCC.