Expand your market by combining the best credit and non-credit data
Many small, new and niche companies do not have a credit history, resulting in a business “thin-file”. To provide a foundation to assess the credit worthiness and risk associated with these small businesses, LexisNexis® Risk Solutions has crystalized our more than thousands of sources of public records, proprietary information and Alternative Data files into a library of more than hundreds of model-ready data attributes
Benefits
- Capture competitive advantage by using attributes to score businesses with little or no traditional credit information
- Better manage risk by using attributes to differentiate between businesses with identical or similar traditional credit profiles
- Optimize terms by using attributes to upgrade or downgrade the terms offered through improved segmentation
- Profile small businesses 5 years or more before they appear in traditional credit-reporting databases
- Identify >60% more scoreable businesses than using credit data alone
- Gain insights on the person(s) connected to the business
Features
- A fusion of 200+ LexisNexis blended attributes (i.e., commercial and associated person) with 1,800+ attributes from SBFE commercial payment histories in a model-ready data attributes set
- SBFE attributes include: number of accounts, account ages/balances/credit limits/loan amounts, utilizations and debt burdens, number of delinquent accounts, number of historical delinquencies, past due amounts, charge-offs, non-delinquencies, and more
- Commercial attributes: includes assets, bankruptcies, judgements & liens, business characteristics, firmographics, executive and person linkages and more
- Associate person attributes: includes felonies, bankruptcies, judgments and liens, high risk address, watchlists, other business connections and more
Get it now: For more information about Small Business Attributes with SBFE Data, call 800.953.2877
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The LexisNexis Small Business Attributes services are 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, the Small Business Attributes service 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.