1. Introducing... Business Owner Background Reports
Uncover a business owner’s current and previous business history
Reveals hidden relationships and associations that other credit risk products and fraud tools may miss.
3 report options tailored to meet your business needs:
Comprehensive
Fraud
Linkage

2. Business Owner Background Report 3 Report options available
Comprehensive
Linkage Report
Fraud Report
Business Owner Profile Report with score
Identifies High Risk addresses and phone numbers
Individuals with multiple businesses affiliations
OFAC Check (Office of Foreign Asset Control)
Fraud
Linkage
Verifies relationship between the business and principal
Principal’s current and previous business relationships
Credit risk score on each business matched to principal

3. Business Owner Background Report How does it work?
3 businesses linked to Jane are returned
Consumer data base
Westwind Imports
BIN:
Relationship: Current
Credit Score: 80
Title: Owner
Link confidence: Strong
Input
BCI Client inputs
consumer applicant’s
information:
Jane Doe
5553 Las Brisas
Long Beach, CA 90815
Green Door Café
BIN:
Relationship: Current
Credit Score: 21
Title: Co-owner
Link confidence: Medium
Jane’s credit file
Burke Hardware, Inc
BIN:
Relationship: Previous
Affiliation dates: /2009-1/2011
Title: President
Link confidence: Strong
Jane’s credit file is linked to current and previously associated businesses (BIN)

4. Linkage Report Screen Shot 1
Former addresses in the owner’s past may suggest increased risk
Three most recent addresses from File One credit header data assists in identifying information on the principal
Executive summary provides quick reference to isolate potential areas of concern

5. Linkage Report Screen Shot 2
Quickly summarizes the financial health of the owner’s current businesses
Business Identification Number (BIN) and key commercial credit metrics are provided for each affiliated business
Summary of current Balance and Recent High Credit are provided to show current and potential exposure across all businesses
Reports also include details of previous business affiliates

6. Fraud Report Screen Shot 1
Fraud Shield provides alerts on the business owner
Summary of Fraud Shield Alerts identify possible fraudulent conditions associated with the principal’s personal credit file.
Up to 10 current and previous business affiliations of the business principal are summarized for quick reference.

7. Fraud Report Screen Shot 2
Identify potential high-risk individuals that principal has worked with in past
BizID score is provided to assess fraud risk based on your input information
The most influential factors in generating the score are displayed
Displays up to 30 current and former business associates that were linked to the principal’s businesses during the time of their affiliation.

8. Fraud Report Screen Shot 3
Identifies potential high risk conditions of the principal’s address and phone
Identify potential high-risk individuals at the input address
Identify businesses and/or individuals associated with the input phone number
Identify potential high-risk businesses at the input address
Alerts are provided if elements of the principal’s identity match the Office of Foreign Assets Control (OFAC) watch list to comply with Patriot Act and Red Flag requirements

9. Consumer credit of the principal is summarized for quick review
Comprehensive Report Screen Shot 1 Comprehensive Report Combines Linkage Report + Fraud Report with Business Owner Profile Report (BOP)
Includes full consumer credit report including Vantage Score and score factors
Consumer credit of the principal is summarized for quick review
FCRA portion of the report may be used to take adverse action
Report includes all required consumer statements

10. Comprehensive Report Screen Shot 2 Comprehensive Report
Report includes consumer legal filings on the principal
Inquiries by creditors over past 2 years are itemized to reveal recent activity.

11. Comprehensive Report Screen Shot 3 Comprehensive Report
Detailed consumer trade lines are provided over 24 month payment grid in addition to key performance metrics.

12. New from Experian… Premier ProfileSM
Comprehensive report that provides more in-depth coverage on a businesses credit history. It’s essentially everything you’d expect from the Business Profile Report ,and then some.
New dashboard format and Executive Summary enables you to make faster, more informed decisions.
Fraud Shield Indicator quickly identifies suspicious business activity
Recommended Credit Limit provides the basis for setting credit lines that are appropriate with your policies
Simple Verification of legal business name / address and connection to corporate linkage / family tree
Extensive description of business operations the company is engaged in, including SIC code plus NAICS
Intelliscore Plus quarterly rating trends over previous 12 months to reveal likelihood of delinquent payment.
Combines credit risk score, fraud check and company background into a single report