Business Credit
Experian's Business Owner Profile product provides detailed insights into the personal credit and financial background of business owners. It aggregates consumer credit data and financial information, leveraging advanced analytics to assess creditworthiness. Key technical features include real-time data processing, comprehensive credit scoring, and integration with business credit reports. The product offers a holistic view of an owner's financial stability, supporting informed decision-making in lending and risk management.
Insights
| Code | Description |
|---|---|
| GRID-BOP-FICO-SCORE | Credit Score |
| GRID-BOP-PAST-BANKRUPTCY | Whether the consumer has experienced a bankruptcy |
| GRID-BOP-BANKRUPTCY-DATE | Filing date of the most recent bankruptcy. Blank if no bankruptcy filed |
| GRID-BOP-OPEN-TRADES | Number of tradelines that are listed as open |
| GRID-BOP-CLOSED-TRADES | Number of tradelines that are listed as closed |
| GRID-BOP-TOTAL-TRADES | Total number of tradelines |
| GRID-BOP-PUBLIC-RECORDS-COUNT | Number of Public Record items on the Profile |
| GRID-BOP-REAL-ESTATE-BALANCE | Dollar amount of Real Estate Balance |
| GRID-BOP-REAL-ESTATE-BALANCE-GREATER-THAN-ZERO | Whether real estate balance is greater than 0 |
| GRID-BOP-REVOLVING-BALANCE | Dollar amount of revolving tradelines |
| GRID-BOP-WAS-PAST-DUE-COUNT | Number of accounts previously delinquent |
| GRID-BOP-PAST-DUE-AMOUNT | Dollar amount past due |
| GRID-BOP-PAST-DUE-30-DAYS | Number of 30 to 59 day delinquencies |
| GRID-BOP-PAST-DUE-60-DAYS | Number of 60 to 89 day delinquencies |
| GRID-BOP-PAST-DUE-90-TO-180-DAYS | Number of 190 to 180 day delinquencies |
| GRID-BOP-TOTAL-MONTHLY-PAYMENT | Dollar amount of monthly payment |
| GRID-BOP-REVOLVING-AVAILABLE-PERCENT | Percent of revolving credit available |
| GRID-BOP-TOTAL-INQUIRIES | Number of inquiries on the file |
| GRID-BOP-OLDEST-TRADE-DATE | Oldest trade open date. Format = YYYY-MM-DD |