How to Read the Equifax Commercial Credit Report

2 Equifax Confidential & Proprietary Commercial Credit Report Delivers detailed information on businesses for risk assessment –Banking and leasing payment information –Trade credit history –Public records –Firmographics Includes Related Files (complimentary value-add) –List of businesses potentially associated with the business owner or principal submitted upon inquiry –Option to purchase corresponding credit report

3 Equifax Confidential & Proprietary Report At-A-Glance Credit Usage Inquiry Alerts Payment Trends Scores/Suggested Credit Limit Public Records Credit Summary Company Profile

4 Equifax Confidential & Proprietary Company Profile Firmographics – business name, address, telephone, tax ID number, SIC, NAICS, ownership type, annual sales, number of employees, business type, location type, established date

5 Equifax Confidential & Proprietary Inquiry Alerts Inquiry Alerts – reports variances between input versus file information

6 Equifax Confidential & Proprietary Scores/Risk Class/SCL Credit Risk Scores – commercial data option or blended option with principal (consumer) data Business Failure Score – predicts likelihood of business failure Risk Class – risk ranking and description Suggested Credit Limit – recommended credit limit amount

7 Equifax Confidential & Proprietary Payment Index The Payment Index is a numeric measurement of the past and present payment habits of a business. –Business Account Payment Index - based on the payment habits of the company for which an inquiry was submitted –Industry Payment Index – based on the payment habits of the industry to which the company inquired upon belongs.

8 Equifax Confidential & Proprietary Decisioning Detail Provides score plus up to four reason codes indicating reason for the score and score definition

9 Equifax Confidential & Proprietary Public Records Includes judgments, liens, bankruptcies and business registrations

10 Equifax Confidential & Proprietary Public Record Detail

11 Equifax Confidential & Proprietary Credit Report Summary Provides key summarizations of overall file content, and breaks activity into financial and non-financial segments

12 Equifax Confidential & Proprietary Financial Credit Usage Details the credit limit, total balance and available credit of open credit lines from financial institutions

13 Equifax Confidential & Proprietary Recent Trend/Days Beyond Terms Displays the average days beyond terms in a recent trend and on a month-by-month basis

14 Equifax Confidential & Proprietary Financial Account Highlights Provides high-level information for each financial account on the credit file

15 Equifax Confidential & Proprietary Non-Financial Account Highlights Provides high-level information for each non-financial account on the credit file

16 Equifax Confidential & Proprietary Financial Account Detail

17 Equifax Confidential & Proprietary Non-Financial Account Detail

18 Equifax Confidential & Proprietary Additional Information Provides alternate names, addresses, phone numbers, tax IDs and SIC/NAICS codes on the business

19 Equifax Confidential & Proprietary Additional Information (continued) Also provides owner/guarantor information, business and credit grantor comments and inquiries

20 Equifax Confidential & Proprietary Contact Us Provides address, phone and to request additional information or file a dispute