| Header Information |
This section provides general
information about the report.
- Generated On
- This line displays the date and the time when the report was
generated.
- Search Terms
- This line displays the search terms that you entered into the search
form.
- Report Created For
- This line displays who the report was created for.
- Match
- This line displays matching company names and addresses based on the input
search terms.
|
| Summary |
This section contains an overview of the company that includes the following information:
- Company Background
- This section contains an overview of the report subject.
The best contact
information pertaining to the business and input Authorized
Representative is at the beginning of the report. The best contact
information is typically the most current and most complete information
for a business and includes the subject’s name, address, LexID® business
legal entity number and, if available, phone number, year established,
and TIN (taxpayer identification number). Other provided information
includes the most recent trade on file, the estimated annual income, the
business type (as provided to Small Business Financial Exchange (SBFE®)), the
number of estimated employees, the industry description, the ultimate
parent of the business, and the SOS (Secretary of State) status.
- Scores
-
This section can contain two scores. The LexisNexis® Small Business Credit Score with SBFE Data™
model is provided in all reports. If authorized representative data is
provided in the search form, then LexisNexis® Small Business Blended Credit Score with SBFE Data™ is returned.
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:
| Score |
Description |
Additional Information |
| 0 |
Insufficient input provided |
A valid set of input elements is required to generate
a non-zero score. |
| 222 |
Insufficient data available to generate a
score |
LexisNexis® Risk Solutions is
unable to identify and confirm the subject based on the
identity elements that are on file. |
The top four reason codes are returned with the results of each score.
These reason codes provide insight into the factors that influence the
score calculation.
Examples:
- No trades on record for the
business
- Too few S.O.S. filings on record
- No record of business property
ownership
- Insufficient non-derogatory sources on record for the
business
- Insufficient data on record to generate a
score
This section also includes a score trends graph that compares the credit
score with the industry average.
- Trade Summary
-
This section contains an overview of the report subject's financial trade
line information and headline information of the report subject's
financial trade line information.
-
Trade Summary Information
| Item |
Description |
| Open Accounts |
Number of open financial trade accounts |
| Oldest Account Date |
Date the account was opened of the first financial
trade |
| Total Overdue |
Total amount overdue on all financial trade
accounts |
| Most Severe Status |
Worst status of any financial trade on record See
status table. |
| Highest Credit |
Highest credit amount across all financial
trades |
| Total Balance |
Total amount outstanding on all financial trade
accounts |
| Median Balance |
Median value of all open financial trade
accounts |
| Average Open Balance |
Average amount outstanding on open financial
trade |
| Charge Offs Recorded |
Number of financial trade accounts that have charge
offs recorded |
| Accounts With Guarantor |
Number of financial trade accounts that have a
guarantor on the account |
Most Severe Status / Current Payment Status / Payment
Status
| Item |
Description |
| Bankruptcy |
Report subject reported to be in bankruptcy
proceedings |
| Charge Off |
Charge off reported on the financial trade
account |
| Foreclosure/Repossession |
Financial trade account has been reported as being in
foreclosure or repossession |
| Non-Accrual Account |
Financial trade account has been classed as
non-accrual loan (for example, principal and interest have
not been paid for at least 90 days) |
| Collection |
Financial trade account has been passed for
collection |
| Overdue 90+ |
Financial trade account is overdue by over 90
days |
| Overdue 90 |
Financial trade account is overdue by 61–90
days |
| Overdue 60 |
Financial trade account is overdue by 31–60
days |
| Overdue 30 |
Financial trade account is overdue by 1–30
days |
| Within Terms |
Financial trade account is within the agreed payment
terms |
| Disaster Impact |
One or more accounts is currently affected by a
natural or declared disaster |
- Credit Utilized
- Credit 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 displays 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
- DBT is a dollar weighted average
number of days past the due date a business takes to pay its
open financial trade accounts. The chart displays a comparison
over recent months.
- Records Overview
- This section highlights key aspects of the report, including
counts for the following items:
- Current real property holdings
- Current personal properties
- Secured assets reported through UCC (uniform commercial code) records
- Current executives
- Additionally, the overview indicates the presence of records in
which the business is a debtor in an active UCC, and includes counts for bankruptcies,
judgments or liens, and notices of default and foreclosed real
properties.
- Inquiries
- This section contains counts of inquiries made on the report
subject with LexisNexis Risk Solutions
(SBFE does not provide inquiry information). The records are first
organized by the industry of the inquirer and then by how
recently the inquiry occurred. Any inquiry that was not made in
the last 12 months is displayed only in the Total
column.
|
| Trade |
This section includes an overview of the company trade information that includes the
following information:
- Credit Utilized
- Credit utilized describes the percentage that 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 displays 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, the credit
utilized in red, and the percentage of credit utilized in green. The left
axis displays the scale for credit limit and credit utilized and the right
axis displays the percentage scale.
- Days Beyond Terms
- DBT is a dollar weighted average number of days
past the due date a business takes to pay its open financial trade accounts.
The chart on the left displays the average days beyond terms, and the chart
on the right displays a 6-month history of days beyond
terms.
- Trade Summary
- This section contains headline information of the report subject's financial
trade line information.
Trade Summary Information
| Item |
Description |
| Open Accounts |
Number of open financial trade accounts |
| Oldest Account Date |
Date the account was opened of the first financial
trade |
| Total Overdue |
Total amount overdue on all financial trade accounts
|
| Most Severe Status |
Worst status of any financial trade on record See
Most Severe Status / Current Payment Status / Payment Status
table. |
| Highest Credit |
Highest amount credit used across all financial
trades |
| Total Balance |
Total amount outstanding on all financial trade
accounts |
| Median Balance |
Median value of all open financial trade accounts
|
| Average Open Balance |
Average amount outstanding on open financial trade
|
| Charge Offs Recorded |
Number of financial trade accounts that have charge
offs recorded |
| Accounts With Guarantor |
Number of financial trade accounts that have a
guarantor on the account |
Most Severe Status / Current Payment Status / Payment
Status
| Item |
Description |
| Bankruptcy |
Report subject reported to be in bankruptcy
proceedings |
| Charge Off |
Charge off reported on the financial trade account
|
| Foreclosure/Repossession |
Financial trade account has been reported as being in
foreclosure or repossession |
| Non-Accrual Account |
Financial trade account has been classed as
non-accrual loan (for example, principal and interest have
not been paid for at least 90 days) |
| Collection |
Financial trade account has been passed for
collection |
| Overdue 90+ |
Financial trade account is overdue by over 90 days
|
| Overdue 90 |
Financial trade account is overdue by 61–90
days |
| Overdue 60 |
Financial trade account is overdue by 31–60
days |
| Overdue 30 |
Financial trade account is overdue by 1–30 days
|
| Within Terms |
Financial trade account is within the agreed payment
terms |
| Disaster Impact |
One or more accounts is currently affected by a
natural or declared disaster |
- Current Payment Summary
- This section displays an aged-debt summary of the outstanding balance of all
financial trade accounts. This table includes the outstanding balance and
percentage breakdowns of how much of the balance is in the following categories:
- Within terms
- 1–30 days past due
- 31–60 days past due
- 61–90 days past due
- 90+ days past due
- Financial Account Details
- This section includes granular information about each financial trade
account.
- This section contains all financial trade accounts that are attributed to
the business. A summary description is displayed by default. Click
 to expand the details for a specific
row. Click Show All Details to expand the details for
all rows.
- Financial Account Details
-
Financial Account Details Descriptions
| Item |
Description |
| No. |
Number of the financial account in the list |
| Account No. |
Unique, persistent number that identifies each
financial trade account |
| Status |
Status of the account Possible values:
- CURRENT
- OVERDUE
- CLOSED
- DISASTER IMPACT (indicates
that this account is currently affected by a natural or
declared disaster)
- DISASTER IMPACT: SUSPENDED
(indicates that the reporting for this account has been
suspended due to a natural or declared disaster)
 | This
status has the highest priority and overrides any other
populated status. |
|
| Type |
Type of account Possible values:
- Business Lease
- Commercial Card
- Letter of Credit
- Line of Credit
- Open Ended Credit Line
- Term Loan
- Other
|
| Opened |
Date the account was opened |
| Reported |
Most recent date the account was reported |
| Closed/Reason |
Date the account was closed and the reason for the
closure |
| Original Amount/Limit |
Original amount on the account or the original limit
on the account |
| Amount Outstanding |
Total amount outstanding on the account |
| Charged-Off |
Indicates whether the account is charged
off Possible values:
Accounts that are charged off are only displayed if you
select Show Charge Off. |
| Payment Status |
Payment status of the account Possible values:
- Within terms
- No
- Overdue 30
- Overdue 60
- Overdue 90
- Overdue 90+
|
An expanded section can display up to five sections:
- Account Information
- Account Credit Utilization
- 24 Month History
- Other Overdue Payments
- Charge-off Details
- Account Information
-
Account Information Descriptions
| Item |
Description |
| Current Status |
Status of the account Possible values:
- Within terms
- Overdue 30
- Overdue 60
- Charge Off
- N/A
|
| Expiration Date |
Due date of final payment, expiration date, or the
date that the account will reach maturity |
| Payment Amount/Frequency |
Scheduled payment amount and frequency of payment for
the account |
| Payment Type |
Type of payments to the account, including principal,
interest, and minimum |
| Last Payment Amount |
Most recent payment amount |
| Last Payment Date |
Most recent payment date |
| Date of Delinquency |
Date that the account became delinquent, when the
account is overdue |
| Collateral |
Whether collateral was used to secure the
account Possible values:
|
| Government Guaranteed |
Whether the account has been guaranteed by the
government, and the type of guarantee that was
provided |
| Number of Guarantors |
Number of guarantors that are on the account |
- 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
- This section contains the history that was reported on the account over the
most recent 24 months. This section includes the date reported, the date
closed, the current limit, the amount outstanding, the payment status, and
the amount overdue.
- Other Overdue Payments
- This section contains information about any overdue payments in the last
25–84 months (seven 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.
| This section is only displayed when charge-offs exist on an
account. |
- Subsidiary & Guaranteed Fin Trades
- This section contains a list of businesses that have the report subject
listed as an owner or guarantor on a financial trade account, or as a known
subsidiary from LexisNexis Risk Solutions
extensive linking of records.
| A link to the report is provided for
further investigation. If you click the link, you may incur an
additional charge. |
|
| Owner |
- Owner/Guarantor List
-
This section contains a list of owners or guarantors as they are listed
in the financial trade accounts of the report subject.
A summary description is displayed by default. Click to expand the details for a
specific row. Click Show All Details to expand
details for all rows.
Owner/Guarantor List Descriptions
| Item |
Description |
| No. |
Number of the financial account in the list |
| Name |
Name of the owner or guarantor |
| Address |
Address that is associated with the owner or
guarantor |
| Entity |
Entity type of the owner or guarantor |
| LexID® |
LexID
number of the owner or guarantor |
| Type |
Type Possible values:
|
| Ownership |
Percentage of ownership |
| Actions |
The Actions column includes
additional actions that are available for the results, including additional
searches and reports that you may want to generate to further investigate. Click
 (Open in New Window) to open the report in a new window. |
An expanded section can display the Account Details and Related Account
Details sections. Click to
expand the details for a specific row.
-
- Account Details
-
Account Details Descriptions
| Item |
Description |
| No. |
Number of the financial account in the list |
| Business Name |
Name of the business |
| LexID® |
LexID
number of the business |
| Status |
Status of the account Possible values:
|
| Type |
Type of account
- Business Lease
- Commercial Card
- Letter of Credit
- Line of Credit
- Open Ended Credit Line
- Term Loan
- Other
|
| Original Amount/Limit |
Original amount on the account or the original limit
on the account |
| Amount Outstanding |
Total amount outstanding on the account |
| Overdue |
Indicates whether the account is overdue Possible
values:
- Within terms
- No
- Overdue 30
- Overdue 60
- Overdue 90
- Overdue 90+
|
| Actions |
The Actions column includes
additional actions that are available for the results, including additional
searches and reports that you may want to generate to further investigate. Click
(Open in New Window) to open the report in a new window. The following actions may be available: Click
LexisNexis® Small Business Credit Report to
run a detailed report on the associated business.
|
An expanded Account Details section can display 24-month
history.
- 24-Month History
- This section contains the history that was reported on the
account over the most recent 24 months. This section includes
the date reported, the date closed, the current limit, the
amount outstanding, the payment status, and the amount overdue.
|
| Public Records |
- Summary
- This section provides summary counts of the public records that are in the
report and events that are contained in those records. The section includes
the following counts:
- Current real property holdings
- Current personal properties
- Secured assets reported through UCC
records
- Current executives
- Additionally, this section includes counts for the presence of records in
which the business is a debtor in an active UCC, as well as counts for bankruptcies, judgments or liens, and notices of
default and foreclosed real
properties.
-
In each subsection, click to
expand the details for a specific row. Click Show All
Details to expand details for all rows.
- Bankruptcies
- This section contains bankruptcy records that are attributed to the
business. A summary description is displayed by default.
- Judgements/Liens
- This section contains judgment and lien records that are attributed to the
business.
- UCCs
- This section contains UCC records that are
attributed to the business.
| 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. Select or deselect Show
Debtor or Show Creditor to filter
the results. |
- Incorporations/SOS
- This section contains a summarized view of SOS
and other business registrations that are associated with the business.
Click Sources in the Actions column to see the
details of the filings.
- When a filing status cannot be determined, N/A
is displayed.
-
You can select or deselect Show Active or
Show Other to filter the results. You can
select a state to filter by state.
- Real Property
- This section contains information about real estate assets that are
associated with the business. Properties with a foreclosure or notice of
default are displayed first, followed first by current properties that are
associated with the subject, and then by properties that are no longer
associated with the subject.
- You can clear the Show Prior check box to exclude
prior properties.
- Personal Property
- This section contains information about motor vehicles, watercraft, and
aircraft that are associated with the business.
- You can select or clear the Show Prior,
MVR, Watercraft, or
Aircraft check boxes to filter the results.
- Licenses
- This section contains information on any permits that were issued by
government agencies to the report subject.
|
| Associated Businesses |
- Parent Company
- This section identifies business information about the parent business of
the report subject. The parent is identified using LexisNexis Risk Solutions linking
technology to assess information that is gathered about a business.
- Possible Connected Businesses
- This section contains businesses that may be closely related to the report
subject, but they do not meet the requirements to join with the subject.
Companies with similar names and similar addresses may appear in this
section. Companies that are separate legal entities but share a connection
to the report subject (such as a common owner) may also appear in this
section.
|
| Associated Persons |
- Executive Roles
- This section contains persons who have been associated with the business in
the past 24 months and who have held an operational or managerial title.
- The executives are listed in alphabetical order by last name along with
their title. Click SmartLinx Person Report to view
details. When a search for first-name last-name is displayed, LexisNexis Risk Solutions is unable to
resolve that executive to a single LexID number. Click
Search for [subject name] for a list of
candidates.
-
Reports and results may contain risk indicator flags. Risk
indicator flags indicate a potential risk that may need further investigation. For
information about risk indicator flags and other informational icons, see Informational and Risk Indicator Icons.
- Prior Executive Roles
- This section contains persons with operational or managerial titles who have
not been associated with the business in the past 24 months, but were
associated beyond 24 months ago.
|
| Additional Information |
- Contact Information
- This section contains telephone information and website information for the
report subject.
- Name/Address Variations
- This section contains the following tables:
- The Name Variations table lists the names that
are associated with this business record.
- The Address Variations table lists the
addresses that are associated with the business.
- Activities
- This section contains codes and descriptions for primary SIC (Standard Industrial Classification) codes for the report subject, additional
SIC codes for the report subject, and
NAICS (North American Industry Classification System) codes for the report subject.
|
| News |
- Run News Search
-
Click Run News Search to run a news search using
the business name. Results are displayed from LexisNexis Risk Solutions news
sources. The news source contains English language, full-text news
sources. Access to certain freelance articles and other features within
this publication (for example, photographs and classifieds) may not be
available.
The results page contains a link to edit the search terms so that the
search can be tailored even further.
|
