LexisNexis Small Business Credit Score

Small business credit report data can help leverage the profit potential of small businesses

The LexisNexis Small Business Credit Score solution features our market-leading coverage of small business credit reports to help determine unique and highly predictive credit risk scores.

Predict the likelihood that a business account will become delinquent or charged off using LexisNexis data on small businesses and their owners/authorized representatives.

Benefits

  • Provides broad coverage on US consumer populations – upwards of 98% of the US adult population
  • Blended business credit report ratings draws in the strength of the LexisNexis Small Business Credit Score solution
  • Business-only score improves risk assessment and segmentations
  • Brings a definable lift in “thin-file” businesses that are new to credit and lack payment history

Features

  • Scores range 501-900. Also generates an exception score (222) for insufficient business credit data to generate a score
  • Segments >40% more “bads” into the lower scoring third of accounts in a typical credit card portfolio than a business credit score built on commercial credit performance alone
  • Blended business + consumer score increases segmentation to >50% more “bads” into the lower scoring third of accounts

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The LexisNexis Small Business Credit Report is not provided by “consumer reporting agencies,” as that term is defined in the Fair Credit Reporting Act, 15 U.S.C. § 1681, et seq. (“FCRA”) and do not constitute “consumer reports,” as that term is defined in the FCRA. Accordingly, this report may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or another purpose in connection with which a consumer report may be used under the FCRA. Due to the nature and origin of public record information, the public records and commercially available data sources used in reports may contain errors.