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Experian Business

US business credit bureau with the Intelliscore Plus score and published report prices

Overview

Experian, listed on the London Stock Exchange under the ticker EXPN, runs a US business information division alongside its consumer credit bureau[10]. The division states that its commercial database holds third-party-verified information on 99.9% of US companies, and it sells business data through BusinessIQ and the Premier Profile credit report[10].

Its principal business score is Intelliscore Plus, which Experian describes as predicting seriously derogatory payment behaviour on a 1 to 100 scale, where 1 is high risk and 100 low risk; the glossary groups scores into five bands from High Risk (1–10) to Low Risk (76–100)[9]. A Financial Stability Risk Rating predicts the likelihood of payment default or bankruptcy within the next 12 months[9]. Other named scores include the Small Business Credit Share Scores and a Business ID Theft Score[10].

For owners, Experian sells reports on its own site at published prices: a CreditScore Report, a ProfilePlus Report with detailed trade-line data and UCC details, and an annual Business Credit Advantage subscription with daily monitoring and alerts on inquiries[8]. Experian notes that business scores may include information about owners and officers and are often used together with a personal credit report[11]. Coverage outside the US is sold through separate country businesses rather than this US product line.

Experian Business features

  • Intelliscore Plus score, 1 to 100, in five risk bands
  • Financial Stability Risk Rating with a 12-month horizon
  • One-off CreditScore and ProfilePlus reports bought online
  • Business Credit Advantage: daily monitoring and inquiry alerts
  • Business CreditScore Pro: checks on up to 30 companies a month
  • UCC filings, liens, judgments and bankruptcies in reports

Experian Business pricing

CreditScore Report US$59.95 (one-time); ProfilePlus Report US$69.95 (one-time); Business Credit Advantage US$199 per year; Business CreditScore Pro US$1,995 per year, billed monthly or annually. Enterprise access through BusinessIQ is quote-based.

Experian Business strengths and limitations

Strengths

  • Lowest-priced single report sold directly by one of the three US bureaus
  • Score bands and prediction targets defined in Experian's own glossary
  • Reports show trade lines, inquiries and UCC filings
  • Subscription for checking other companies at a published annual price

Limitations

  • The product pages reviewed are US-only
  • Several score models with different scales can confuse lenders and owners
  • Owner and officer data may feed business scores, blurring the line with personal credit
  • Enterprise pricing for BusinessIQ is not published

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