how to check credit score of a business

You've felt it before. Even if you've managed to avoid it,
you know someone else who hasn't been so lucky.

What are we talking about? The anxiety experienced when you make a credit decision, only to find out too late that the report you had didn’t cover the last year of stomach-churning drops in the company’s credit rating — that sudden, looming realization that you might never get the money for that sale.

Ansonia's expertise is to make sure you never feel this again.

Your business needs accurate, flexible business credit reports. You need them FAST and up-to-date... and you want them to be highly affordable. We are the NEW credit reporting service that is bending over backward to give our clients exactly what they need.

See the difference.
Try our free credit report today.

Why Our Data is Better

Our Data
is Unique

We collect data from all types of businesses — from Mom & Pop all the way to Fortune 500. Our state-of-the-art platform enables us to accept data files that other business credit companies cannot.

Our unique database translates to more relevant information, which translates into you making better credit decisions and making more money. Many businesses find that Ansonia’s core business credit report is the only credit risk decision tool they need.

Our Data
is Fresh

What would happen if you gave a customer a large amount of credit, only to find out too late that the report you had didn’t cover the latest stomach-churning drops in the company’s credit history? You may have a sudden, looming realization that you might never get the money for that sale.

Ansonia to the rescue! Unlike many other credit reporting companies, we continuously update our database 24/7, ensuring the freshest data possible. And with a click of a button, you can get the latest judgements and public records. This is our expertise — to lessen your anxiety over future credit decisions.

We Do Not Buy
Our Trade Data

There are some business credit reporting companies that buy, repackage and resell other credit reporting companies' data. We collect our own up-to-date and reliable data and don't sell it to other companies. Nor do we buy data reports from other companies. Our database is unique and secure.

We Do NOT Own or Partner With A Collection Company

Some credit companies partner with collection agencies and may have conflicting business dealings. We are strictly in the business of providing credit data intelligence to businesses.

It's the only thing we do and we do it well. You can depend on us to ALWAYS give you accurate information that will benefit your business.

Up-to-Date and Accurate

We are very pleased with the quality and reliability of Ansonia’s credit information. The information is always up-to-date and accurate, and obtaining credit reports is a very simple and fast process. Furthermore, the level of personal support and service we receive from Ansonia is top-notch. We are extremely fortunate to consider Ansonia as a trusted and valued partner in the transportation industry — they definitely help make our job easier!”

—Eric Belk, Vice President
Match Factors

Members who provide data receive up to a 40% discount on their business credit reports.

No Finance Degree Needed

Have you noticed that reports from the other business credit report companies are extremely hard to read? You need to learn about a customer's credit worthiness fast. But you're stuck wasting time trying to figure out a report that is full of numbers, but doesn't tell you much.

It's difficult to tell a good customer from a bad one. There may be a note the customer was 90 days delinquent on a payment, but you are not told if that was years ago with just a single slow payment, or if the customer is delinquent all the time. And hey, if you can't find out what you want to know NOW, the report is worthless. You might as well flip a coin.

This hurts your business. You may take a chance on a customer who winds up burning your company. On the other hand, you might pass on somebody that would be a great customer — and you lose the sale.

Ansonia saw this problem and fixed it. Our reports are extremely easy to read. We go the extra mile to make sure ALL the numbers make sense. And we are sticklers for assuring you have the exact stats you need when you need them.

No Pre-Paid Contract Required

Annual contracts are devised to lock people in long term. Other business credit reporting companies encourage you to give everyone in your company access to their information — the more employees running reports, the better.

And when contract renewal time comes, they pull out a 10 pound stack of all the invoices you pulled to support why you can’t live without them. Oh, and buy the way, your price goes up.

Often they will offer a business a three-year contract with price escalations. So they lock you in, guarantee themselves a nice revenue increase each year, all while selling the exact same report.

Why should you agree to pay 3-5 percent more over a period of 3 years for the exact same report? If it’s the same report, why should you have to pay more from year to year? Are the reports giving you more value? We offer you a better solution.

With Ansonia, you only pay for what you use. No long term contracts. No escalating fees over time. And to top it off, members who provide data receive a discount of up to 40% on their business credit reports. You get the accurate, easy-to-access credit reports you need at a dramatic savings.

Additionally, members who provide data receive up to a 40% discount on their business credit reports.

Customizable Reports Lead to Better, Faster Credit Decisions


Watch the video below to see how your report would work.
how to check credit score of a business

You Can't Go Wrong with Ansonia

When Transwest Capital first started out we were using another credit data company to verify the credit-worthiness of our debtors. While we were not unhappy with the company, we did not know what we were missing until we signed up with Ansonia Credit Data. After switching to Ansonia, we started to realize that the information we were previously using was not as fresh as advertised. With Ansonia, we know we are receiving the most up-to-date and in-depth look at a debtor’s credit-worthiness. In a word, we had become complacent with the previous company, trusting that their data would help us protect our receivables. It did, to a point. Now, we feel as if we have a partner watching our backs 24/7. Coupled with the customer service the staff at Ansonia provides, you can’t go wrong with Ansonia Credit Data.”

—Brian Cummings, Operations Manager
Transwest Capital

We Can Integrate With Your Software

We welcome special programming requests. Have you ever tried to get a customized project with one of our competitors? One of our current clients signed a contract with our competitor to provide a customer-facing online credit application.

Our client worked with that company for over an entire year, and failed to receive a working product. We took this project on from scratch, and had the entire process ready to go in just two months.

Businesses run lean shops. Employees are generally expected to do more and more in a finite number of hours per day. Automation/integration is the key.

With our 21-st century, state-of-the-art technology, we easily integrate with any software. We can “push” data intelligence to our customers to help them streamline their processes. These kinds of tools mean you don’t have to pay someone to sit at a desk and look at credit app after credit app and run one report at a time.

business credit report score

Live People Answer Our Phones

This really shouldn’t merit a mention. After all, it’s common sense that a company would take calls from their clients so they could help them and provide great customer service. Right? Wrong.

Most calls to our competitors seem to be sucked into a pit where voicemails go to die, leaving you stranded and without help. Fortunately, that’s not how we operate.

It’s a point of pride for us to pick up the phone when you call and to give you as much help as you want. So if you don’t want to feel like you’re alone in the dark, give us a call now at 1-855-267-6642 to let us shine some light on your situation.

how to check credit score of a business

Ansonia Clearly has the
Advanced, Customer-Oriented
Business Credit Reports You Need

By combining top-notch, highly reliable credit reports with caring customer service and BIG savings — Ansonia is rapidly becoming the first choice for businesses of all sizes.

See the difference.
Try our free credit
report today.

•  Verify a new customer
•  Check an existing customer
•  See the difference
business credit report score

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Grab This Powerful Arsenal Of Business Credit Reporting Tools That Only Ansonia Can Give You:

Become one of the new savvy business owners who use Ansonia and profit from the following:

•  Ansonia Sells Only Business Data – we only concentrate on business credit reports.

•  Ansonia’s Business Data is Always Fresh, not Stale – We update 24/7.

•  Ansonia Does Not Resell Your Data – Your customer data is safe with us.

•  Ansonia Works With Everybody – From small businesses to Fortune 500 companies.

•  Ansonia Collects Unique Data – We collect data the big guys can’t even touch.

•  Ansonia’s Reports Are Easy To Read – You’ll know exactly how your customer pays.

•  Ansonia’s Reports Are Customized – You decide on what data is important to you.

•  No Prepaid Contract Required – You are not tied down, wasting money.

•  We Keep It Simple – Anybody can read our reports and understand them.

•  Live People Answer Our Phones – The others don’t, nor do they care to.

•  We Do Not Own Or Partner With A Collection Company – We provide unbiased data.

•  Customizable Software Integration – We integrate with any software you run.

•  Automation Is The Key – Request as few or as many reports as you want.

We're here to get you started.
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Business Credit Report Score Articles


11 Accounts Receivable Management Best Practices

If you are extending payment terms to customers, sound accounts receivable management is crucial to preserve your cash flow and protect the bottom line.Here are some basic accounts receivable management best practices that you should consider implementing.

11 Accounts Receivable Management Best Practices

1. Establish a Credit Policy

Before offering payment terms, you need to define a clear credit policy that allows you to determine your risk when extending credit to a new customer.Always review the business credit report of a potential client , and make sure that your evaluation is based on up-to-date, high quality data.

2. Bill Electronically

You can avoid long delivery times and potential delays with the postal service by using an electronic data interchange (EDI), e-invoicing, email or even fax to deliver invoices.

Once you switch over to electronic billing, consider shortening your payment terms from net 45 or net 30 to payment due on receipt.

3. Send out Invoices Promptly

Instead of transmitting all your invoices on a weekly or monthly batch, make sending them out as they are generated a priority.

4. Offer Alternative Payment Methods

Giving customers flexible payment options such as electronic funds transfer (EFT), PayPal and credit cards can help you convert receivables into cash faster.An EFT allows customers to deposit their payments directly into your company bank account -- all they need is your bank name, branch and account number, which can be included on your invoices.

5. Use Accounts Receivable Management Tools

Using customizable accounts receivable management tools give you an easy and efficient way to streamline the entire credit approval through the collection process.

Look for web-based tools that offer you cutting-edge technology, continuously updated accounts receivable data and in-depth analytics.

6. Monitor Accounts Receivables

Set up an A/R aging report and review it at least weekly so you can track accounts as they become delinquent. Be sure to follow up with customers who do not pay invoices within the terms they have agreed to.

Every day that an invoice is overdue has a negative impact on your cash flow.

7. Pick up the Phone

Having a conversation with a customer can encourage an on-time payment or help you learn why an overdue invoice has not been taken care of.You should call to verify receipt of an invoice 15 days after it goes out. If a payment is not made within a reasonable period, follow up with another phone call. Speaking directly with a customer is usually more effective than sending emails or collection letters, and that personal touch can help maintain your business relationship.

8. Keep Collection Records

Maintain detailed records of the collection attempts you make for each past-due account.Include phone calls made, emails and collection letters sent, and take notes on the their responses for future reference.

9. Offer Early Payment Discounts

The standard early payment discount offered by many companies is 2/10, net 30, which gives customers 2 percent off an invoice that is paid within 10 days, or the total is due in 30 days. Instead, try 2/10, net 20 as more of an incentive.Do not let late payers take advantage by not enforcing the discount period.

10. Consider Factoring

Using a factoring company is an option that can improve your cash flow, and eliminate the cost and hassle of dealing with receivables.A factor will pay you a discounted amount for your outstanding invoices and then take over collections. Depending on your situation, the benefits may outweigh the percentage taken off the top.

11. Contact a Collection Agency

If you have overdue accounts that are impossible to collect, your last viable option may be turning them over to a collection agency (be sure it is your last option).You will only receive a fractional value of the receivable if the agency is able to collect, but it is a better alternative than writing off bad debt.

In Conclusion

Extending payment terms to customers can help your business grow but can also open you up to credit risk

Use these accounts receivable management best practices to better protect yourself and your bottom line.


You Can Find More Information at Busines Credit

Call Us Today at: 1-855-267-6642

What Are Automated Business Credit Decisions?


Automated business credit decisions are generally achieved via specific software that automates and manages the credit assessment functions of a company. Through the use of credit scorecards, the software is able to make a credit assessment using decision parameters to assess suitability and payment risk. Using automation, a typical credit transaction can be quickly completed, with the credit controller simply collating key information and entering it into the system.


The system will have pre-set criteria, and using those criteria will be able to assess the risk-level of an account and make a judgment on the correct course of action.


Generally, an automated business credit solution will provide the following :


A data interface or screens;
The ability to check a credit application against any blacklists or internal watch lists;
Flagging specific organizations or industries that may require detailed assessment;
Checking credit limits and payment histories of existing customers;
Appropriate bureau files for the company, its principals, and any potentially associated organizations;
Inspecting bureau files for pre-defined adverse rules;
Utilizing a bureau score or calculating risk scores;
An accept or decline decision, which could be conditional;
A link direct from the accounting/billing system to approved applications;
Workflow queues for required manual tasks;
Analysis and reporting to assist in reviewing the implemented rules.


Other Benefits of Automation


With automation, it allows the existing credit managers of the company to focus their attention on compliance management and complex transactions. Again, this reduces risk and exposure. The beauty of credit automation systems is that they can be added to or added onto existing IT infrastructure, outsourced via a third party company, or hosted through the Internet and accessed via a gateway or secure link. With the automation of credit decisions, the knowledge and skills of credit management professionals are still required in order to assess both high-risk and high-value decisions, but it does reduce the amount of time these skilled credit managers are spending on day-to-day credit decisions.


Through tighter controls of the accounts receivable process, automation increases the ability to track fraudulent payment behavior, in addition to improving adherence to corporate governance standards. In conjunction with scoring, automation helps improve cash flow through more consistent decisions and faster response times. It is also ideal for companies in managing their existing accounts because it quickly identifies both accounts that require attention and worrying risk patterns.


Is Automation Right for My Company?


The question is this: If automation is best practice, why it has not been adopted by more organizations? Perhaps the answer lies in challenging the status quo of operations. The barriers to adoption, or maybe we should say the perceived barriers, will generally fall under the following headings :


Technology: Will the technology I implement interact efficiently with my existing systems (ERP, CRM) and can the data be shared across the systems?
Cost, or Capital Expenditure: How much will it cost to both implement and manage a large piece of IT infrastructure?
Accurate Decision-Making: How can I be sure that the automated credit decisioning process will provide me with accurate information and provide data enabling me to make sound business decisions?


And there is another issue: Some credit teams believe that automated credit systems will make their expertise redundant; but in fact, nothing could be further from the truth. Yes, automation will make simple decisions quicker, thus allowing experienced credit managers to focus their skills and efforts on high-risk credit matters. In addition, introducing an automated credit decision system will benefit the credit collection function in the following ways:


Reducing duplication by keying in information at the point of sale;
Automating data entry and linking that data with existing customer relationship management systems;
Increasing revenue by freeing up time for skilled credit managers to increase overall approvals;
Reducing potential errors in opening accounts and reducing time spent in administering mundane tasks.
For many organizations, automated decisions and credit scoring play a critical role in the risk assessment process.


Automated credit systems also reduce the risk and potential for fraud by eliminating human interaction in the assessment process; making it easier to petition the accounts portfolio. In addition, it leaves credit managers with additional time to use their industry knowledge in making accurate risk assessments.


And finally, implementing an automated credit decisions process positions companies for growth, it adds agility to the new business process. Because automation speeds up a credit decision response, new customers are up and running and, more importantly, being billed much quicker than manual methods of approval.


So yes, there will be an initial outlay of cost; however, when building a case for an automated credit decisions process the following positives must be taken into account, improved efficiency, decreased fraud risk, simpler adherence to corporate governance requirements, and increased approval rates.


IT Implementation


A key challenge with IT implementation is how will it interact with the IT infrastructure and existing systems of a company, and it is the same when you are developing a tool to automate credit decisions. In ensuring this concern is addressed, many of these automated tools deliver functionality by utilizing Web services, therefore not impacting the existing infrastructure on a company.


Software as a service works by hosting via the Internet, and the company uses the solution on an as-needed basis. There are a number of distinct advantages of using software as a service, including :


Saving Money: Lower IT costs Pay As You Go;
Technology budgets can be focused on competitive advantage;
You will have immediate access to the latest innovations;
Zero setup costs for supporting infrastructure upgrades, Fees are managed on a subscription basis;


If your business subscribes to a web hosted application using software as a service, your business will be free from supporting time-consuming, high cost IT functions to support the application. These costs might include:


The purchase and support of the server infrastructure required to both install and maintain the software inhouse;
Maintaining a patch and upgrade process, which can be labor intensive;
Providing the equipment redundancy and housing required to ensure reliability, security, and scalability.


Software as a service is as easy to use as simply flicking a switch, and it makes the application and updates readily available to the user. Companies are free to update to the latest technology when the vendors do, and costs can be managed via a regular subscription model. Obviously, the software as a service model woould not suit all business models, but it does offer a high degree of flexibility, especially for small companies who do not have the necessary infrastructure to warrant an embedded automation application. And this means that the cost savings mentioned above are even greater because there is not the same initial upfront cost.


In Conclusion


The major aim of automating credit decisioning is to harness the skilled credit management resources of a company in order to focus on more important credit decisions. We are living in an era of continuing economic concerns and record unemployment, so the credit staff of a company must be maximizing their potential. Because we now have lower-cost automated solutions using technologies such as software as a service, the technology barrier is no longer prevalent. The cost barrier can easily be overcome because the skilled credit managers of the company are now free to focus on their high-value transactions, and the barrier of accuracy can be addressed by using multiple sources of independent data to wash against internal sources. In addition, because the skilled credit managers have more time to focus on the at risk clients, the organization is able to reduce bad debt through thorough investigations of potentially marginal deals.


More importantly, though, credit managers can concentrate on building a good credit profile which will enable sales teams to target specific customers that are attractive to the company.


Fortunately, the idea that automated credit decisioning results in a reduction of staff is rapidly being dismissed. The truth is that, in this current economic environment, automating credit decisioning allows for cheaper, faster, and more effective credit decisions, whilst allowing skilled credit managers to use their skills and knowledge to fulfill their capabilities in their given roles. In order to ensure that income continues to flow and organizations stay afloat, it is critical to have customers online and bill as quickly as possible.



You Can Find More Information at Busines Credit

Call Us Today at: 1-855-267-6642


The Concept of a Receivables Portfolio Analysis


A credit professional can use information gained from the accounting records of customers together with information provided from other sources, such as input from sales, marketing, and finance departments, to stratify the customer database of a firm into meaningful segments.


Let us look at a typical company: The following information should be readily available from the accounting records of a typical firm, product line, gross margin dollars and percentage, sales, geographic location, and the industry sold to. Credit Score is yet another important element of portfolio analysis. There are two ways of obtaining the risk score of a customer from a third-party vendor: by purchasing a credit scoring system or requiring the credit risk score for each customer, or by manually developing one yourself.


A credit scoring system offers a company the ability to clearly define parameters by which credit lines will be established. One of the main advantages of a credit scoring system is that the uniqueness of an industry can be built into the decision matrix. The scoring system demands consistency in the credit review process; with either of these methods able to be integrated electronically into the customer accounting records.


The credit function is capable of adding significant value to the organization by simply categorizing this data into meaningful data sets. This means that the company is able to evaluate its credit policy and preference for risk in real time. Now the credit professional can use this analysis as a global view of the day to day tactical decisions of a firm. This process combines data from both third-party suppliers and the accounting records of the customer. Using decision matrices, this information is processed and segmented into meaningful data sets. This is an ongoing process, producing information that is used to develop both marketing tactics and credit and collections policies.


Producing Successful Segmentation Analysis


In order to produce successful segmentation analysis, there are two key processes. The first is locating the characteristics that consistently improve the process of identifying the appropriate risk class. This approach requires comprehensive segmentation analysis of the customer base which, in terms of sophistication, can always be improved on. To start with, your customers must be categorized according to their basic demographics, meaning where they are located, who they are, what industries they operate in, how large they are, and how old they are. Once this information is at hand, the next step is to search for differences in cash flow performance; which means that you will be identifying high performing segments from low performing segments based on risk, payment patterns, and gross margin contribution. This basic analysis often yields great insights into how to improve marketing strategy and credit policies.


Your Customers and Their Risk to Your Business


Each customer (or potential customer) of your firm does not represent the same opportunity and/or risk to your business. They differ greatly in terms of their risk of slow or non-payment, and the resulting delinquency or bad-debt carrying costs that may be incurred. And, of course, prospects and customers also differ in terms of their importance to the sales of your firm, like: Are they likely to buy? In what volume will they buy, and will they be repeat customers?


If, in this world of diverse firms, you were to treat all your customers the same when it comes to risk and opportunity, you would be guaranteeing lower productivity in addition to sub optimizing the financial performance of your firm. So you can see that, depending on their attractiveness to your organization, it makes good business sense to treat all firms differently.


For your best customers, meaning those who are low risk with high sales potential, it makes perfect sense to have liberal credit lines, to allocate more customer service and sales resources, and to structure any collection actions with the main focus on sustaining a long term relationship.


On the other hand, for higher risk customers with lower sales potential, there is a call for tighter credit terms and lines, considerably fewer sales and service attention, and collections activities that are more aggressive for these less attractive customers.


Understanding Both Your Organization and Your Industry


An understanding of both your organization and the industry within which it operates will provide the basis for determining the parameters to be measured. Risk and profitability are two key aspects that must be measured, and these attributes must be measured in the aggregate and by meaningful segments.


Segments that are usually measured include the product line, the industry sold to, geographical, and payment performance over a period of time. A true understanding of the customer base of the firm can only be revealed once these segments have been analyzed and measured against sales volume, risk levels, and gross margin contribution. The credit professional can use this analysis to ensure that the firm has a working credit policy. Proven policies can be implemented at a transactional level in order to improve bottom-line profitability and productivity simply by establishing (or refining) existing segmentation. And, of course, the firm can achieve contributions to top-line growth by applying the insights gained from analyzing attractive market segments and targeting a range of individual firms within those segments.



You Can Find More Information at Busines Credit

Call Us Today at: 1-855-267-6642


A Sample of business credit reports
for companies found in Ansonia's database


Company Name:  PSE & G

Street Address: 80 PARK PLAZA


State/Province/Other: New Jersey

Zip: 7102

Country: United State, U.S.

Phone: 663-6466

Rating: Available!

Historic 25 months

Average Days To Pay: Available!

Average Outstanding Balance: Available

Total Companies Reporting Payments History: Available!

Would you like to know how PSE & G pays their bills?

Call Us Today to Get Your Complete Business Credit Report
For PSE & G at: 1-855-267-6642




Street Address: PO BOX 9126


State/Province/Other: Massachusetts

Zip: 43218

Country: United State, U.S.

Phone: 480-368-0011

Rating: Available!

Historic 25 months

Average Days To Pay: Available!

Average Outstanding Balance: Available

Total Companies Reporting Payments History: Available!

Would you like to know how MARSHALLS STORES pays their bills?

Call Us Today to Get Your Complete Business Credit Report
For MARSHALLS STORES at: 1-855-267-6642


Company Name:  BIG LOTS INC

Street Address: 300 PHILLIPI RD


State/Province/Other: Ohio

Zip: 43228

Country: United State, U.S.

Phone: 323-888-2929

Rating: Available!

Historic 25 months

Average Days To Pay: Available!

Average Outstanding Balance: Available

Total Companies Reporting Payments History: Available!

Would you like to know how BIG LOTS INC pays their bills?

Call Us Today to Get Your Complete Business Credit Report
For BIG LOTS INC at: 1-855-267-6642


Company Name:  AMAZON

Street Address: PO BOX 80387


State/Province/Other: Washington

Zip: 98108

Country: United State, U.S.

Phone: 273-4089

Rating: Available!

Historic 25 months

Average Days To Pay: Available!

Average Outstanding Balance: Available

Total Companies Reporting Payments History: Available!


Would you like to know how AMAZON pays their bills?

Call Us Today to Get Your Complete Business Credit Report
For AMAZON at: 1-855-267-6642

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Customized business credit reports for companies with unique information that other business credit reporting companies do not have.

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How To Check Business Credit Report Free

Business Credit Score: What It Means to Your Business


Every business has both a Business Credit Score and a Business Credit Report. A good (high) business credit score is key to having your company approved for financing and trade credit. Your Business Credit Score ranks the creditworthiness of your business, just the same as your personal score acts as a financial rating.


How Are Business Credit Scores Determined?


Business credit scores are determined by reporting agencies, such as Ansonia Credit Data, with several factors going into the calculation of these figures. Various traits about your company and its financial history determine how credit scores are calculated for your business. Please see below for some factors that may determine your business credit score.


Outstanding Debts
Payment History
Credit Utilization Ratio
Public Records, which may include bankruptcies, liens, and judgements
Length of Credit History
Company Size
Industry Risk


Some of the above factors are unique to Business Credit Scores while many are similar to the ones used for calculating your personal credit score.


How Are Business Credit Scores Used?


Before a lender or other creditor can approve your business for finance they need to determine how capable your business is of repaying its debts, and this is where your business credit score comes in. If your business has a high Credit Score it indicates to creditors that your business is trustworthy; that it is not a high risk for finance. Lenders will use the business credit report of your company to obtain detailed information about the financial history of your business; with your Business Credit Score serving as a quick-check evaluation.


In addition, a high business credit score may give you access to more credit than you would be able to receive if applying for finance with only your personal credit score.


It is Important to Check Your Business Credit Score


All business owners should review the financial information of their company on a regular basis, and this includes their business credit score. These scores are fluid and can change with time. It is for this reason that creditors will assess your creditworthiness on a regular basis. If you should notice that your business credit score is low, there could well be an error in the credit reports which resulted in an inaccurate calculation. It might also be that your business does not warrant a higher score because it does not have sufficient credit history.


However, if you believe there is an error in your Business Credit Score it is imperative that you contact the credit agency that generated the score in order to have this score checked, and corrected if necessary. If no error has occurred, it is still possible to increase your business credit score over a period of time by making payments on time and lowering the credit utilization ratio for your company .


Regardless of whether you are just starting out in business or you have been in the game for many years, an essential aspect of staying competitive in business is to build a strong credit profile.


Improving Your Business Credit Score


It can be confusing trying to determine how and when business credit scores are used; however, it is actually very simple to keep your score high. Basically, it is the same as taking care of your personal credit.


Make sure your business bills are paid either on time or before their due date;
Maintain your credit utilization at around 25%. It is important that you do not max out your credit lines; and
Open multiple credit accounts; such as trade lines, business credit cards, and loans.


About Business Credit Reports


You are probably aware that you can check your financial history by viewing your personal credit report. Well, the same information can be reviewed for your business, and that is because credit bureaus scour public records and other financial data in order to develop a credit report on your company the moment you start a business. So, when you receive trade credit (also known as a business loan or line of credit), information about your payment history is compiled and turned into a business credit score by a company such as Ansonia Credit Data. Ansonia Credit Data is a premier business credit reporting provider.


One of the most important aspects of being a small business owner is to take the appropriate steps to build your business credit profile. Doing this will assist in creating strong business relationships and open up financial opportunities that will make running and growing your business so much easier.





How To Check My Business Credit Rating


Checking a Credit Report for a Company


It is via a Business Credit Report that a person or company is able to evaluate the credit worthiness of potential suppliers, a competitor, or even its customers. A business will often run a Business Credit Report on itself to determine how its financial stability is being presented to the larger business community. We strongly advise that any business entering into a relationship with a new company should run a Business Credit Report, because this which will assist in determining the degree of risk involved in the proposed business relationship.


Reading a Business Credit Report


It is highly recommended that a company run a business credit report if it is considering evaluating the reliability of potential suppliers, granting credit to new customers, or even analyzing the credit standing of their own company . Typically, a business credit report will provide a snapshot of the credit history of a company, including how reliable it is in paying its bills and managing other financial obligations. Running a business credit report on a company can help you reduce risk by identifying potential warning signs of credit problems of your customers . It will also help you determine whether your own company is a positive credit prospect for its suppliers.


A business credit report will ideally include a review of the following aspects of a business.


Credit Risk Rating


The majority of business credit reports include a rating system which has been designed to assist in gauging the potential risk of either late or delinquent payments. These ratings are determined through an analysis of different credit factors, like legal filings and past payments performance; plus, they are ideal for when you are required to make a quick credit decision. Any high risk rating should be taken very seriously.


Payment History


It is important that you analyze past payments to determine how efficient a company is in managing its accounts. Look for trends as well as timely payments. As an example: you may notice that a prospect previously made minimum credit card payments; however, they are now paying the balance in full each month. This could well indicate that the company has become a better credit risk, meaning that they have developed a stable revenue stream. In addition, you should check to see how the payment history of a specific business compares to other businesses in the same field. The information you gain here will confirm whether Are the payment patterns of the business in line with industry norms.


Of course, this also applies to your own business credit report: when reviewing your own report, check for similar trends that your suppliers may notice.Company Background and Information


A business credit report should include certain information, such as the name, address, and contact information of the company. It might also include information on its business type, such as the number of employees, industry by NAICS or SIC code, the status of incorporation, sales figures, and key officers. Conduct a careful review of this information to ensure that it is consistent with the records held by your company. If this information should not be consistent, be sure to advise the company concerned and request an explanation.


A Word of Caution: Fictitious company names hide the true ownership of a business, so be alert for this kind of detail: it could well be an indication that the company concerned is attempting to conceal information.


Legal Issues


A business credit report can help you identify new clients who may turn out to be credit risks, or suppliers who may not be reliable, by disclosing legal issues regarding outstanding lawsuits, bankruptcy filings, court judgements and liens. It is true that many companies have at one time or another faced some type of legal proceeding or lawsuit, so it may not necessarily be important that they have a pending lawsuit. However, companies that have experienced bankruptcy proceedings or have liens placed against them should be assessed very seriously.


Collection Proceedings


Does the company in question have a known history of having accounts sent out for collection or of letting its bills lapse? Question continuous late payments, because they may be the result of disputes over goods and/or services, merchandise or other non-financial issues.


The Age of a Company


How long has the company in question been in business? Typically, a company that has been operating for many years will be more financially savvy and adept at managing their finances than a young company. A young company could well be a very good credit risk, but their creditworthiness should be researched further. One way of doing this is to check the personal credit reports of the leaders for the company, which should offer insight into how diligent they are about handling accounts.


Uniform Commercial Code (UCC) Filings


Checking a UCC filings of the company will offer an insight into the leases and liens it has in place. Reviewing this section of the business credit report can offer clues on how credit is used by a company. Let us say this specific company has a high number of trade credit relationships with other businesses, or it has a number of assets being held as collateral on existing loans: this could well mean that the business is financially overextended.


Do your research and take all of these factors into account before making the decision to add your own name to the list of creditors of the company.





How To Perform A Credit Check On A Company


Why You Should Use a Business Credit Report Service


It is irrelevant whether you are just starting out in business, or you own a small business, or perhaps you manage a large business that has been around for many years. In all of these circumstances a business credit report can help you grow your business. A business credit report is crucial when it comes to making financial decisions and ultimately running a financially successful enterprise. In fact, a business credit report is just as important as a personal credit report and, similar to a personal credit report, it can make or break your business.


A loan is usually necessary for the growth and development of any business and, for those just starting out in business, borrowing money is vital for the business to function from one day to the next - that is, until the business begins to show a profit. Whether you are approved for a loan could well be determined by the information listed on your business credit report. You will be eligible to receive better loan terms and rates if your business credit is good, so being aware of this and staying on top of your business credit report can be key to the survival of your business .


We have conducted a review of the best business credit report services to assist businesses in choosing a company that is capable of providing them with not only a business credit report but additional business credit services as well. In our opinion, Ansonia Credit Data is a top-quality business credit report company.


What to Look for in a Business Credit Report


Your Business Credit Score is determined the same way as your personal credit score. Your financial information, which includes information from lenders and suppliers, background information and legal filings, all help determine your business credit score. Your personal credit score contains information very similar to a Business Credit Score, however, this information is reported differently: a personal credit score is reported on a scale from 300 to 850; whereas a Business Credit Score is reported from 0 to 100.


Generally, business credit report companies do much the same thing: they provide you with a business credit report which enables you to make informed financial decisions regarding your business. In addition, these companies also provide other business credit services, and the following criteria were taken into consideration when reviewing these business credit report companies -


Business Credit Report Content


The content contained within the business credit report is crucial when it comes to understanding what is affecting your credit score and your overall credit caliber. You should expect your business credit report to detail as much information as possible about the credit of your company. For example, the history and relevant information concerning your company should be included, together with the risk score. Also included should be risk factors, payment information, financial background, financial relationships, collection history and filings, and any inquiries that may have been made about your Business Credit Report.


Credit Monitoring


Similar to your personal credit score, your business credit score can alter very quickly, which explains why it is so important that you monitor your business credit. A good business credit reporting company will offer a variety of credit monitoring services to help you stay on top of what is showing on your Business Credit Report, in addition to determining if the information included is actually correct.


A good business credit reporting company will offer credit monitoring features, like picking up any major changes to your credit or any fraudulent activity, in addition to information regarding enquiries from others about your business credit report.


Identity Fraud Prevention


Identity fraud is not only a problem that concerns individuals, it is also a problem for businesses. Crucial to protecting your credit score and preventing fraud is the protection of the identity of your business . A good business credit reporting company will offer identity fraud protection services, in addition to offering a business credit report. The services might include educational materials and identity protection that will ensure your business is protected from identity fraud.


Business Solutions


The best business credit report companies are capable of providing other business solutions to financially assist your business. Such as receivables portfolio management analysis.


Help & Support


It is very important that you receive help and support when you need it, particularly when it concerns your business credit report. For starters, in order to make correct financial decisions, you need to be able to read and understand exactly what your business credit report says about your business. You should have easy access to your A business credit report company, through email, telephone and an online contact form. In addition, you should have access to pertinent resources such as educational articles, and Frequently Asked Questions.


A business credit report will assist you in making smart financial decisions, regardless of the size of your business. Simply understanding what your business credit report contains offers amazing peace of mind when applying for a business loan. Of course, additional business credit report services are extremely advantageous when they offer protection for the identity of your business and assist by monitoring your business credit.





You Can Find More Information at and at Best Business Credit

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