The Creditsafe Commercial Credit Managment Suite

Creditsafe's commercial credit management suite product guide explains our extensive range of business solutions available that are used by over 200,000 subscription customers across the globe.

1. Commercial Credit
Management Suite

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Your world leader in commercial credit information
At Creditsafe, we take the headache out of risk management. We’ve built the world’s largest owned
database of more than 190 million company credit reports across 50+ countries so that you can
instantly tap into it, make good decisions faster, and sit back and relax with peace of mind.
More than 200,000 professionals rely on the information we hold to provide accurate, real-time credit
risk information on their customers. Why not join them today?
It’s not only the size and accuracy of our database that has put us ahead. By giving you instant online
access to credit information in more than 50 countries, at a low cost, we help companies just like
yours reduce exposure to credit risk and defaulted payments quickly and easily.
Introduction

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Commercial Credit Risk
UK & Ireland Company Credit Reports ............................................................................................................................................ 5 – 7
International Credit Reports ........................................................................................................................................................... 8 – 12
Monitoring. ................................................................................................................................................................................................ 13
Batch Credit Checking............................................................................................................................................................................. 14
Director Reports. ....................................................................................................................................................................................... 15
Non-limited & Sole Trader Reports.............................................................................................................................................. 16 - 17
Blended Sole Trader Credit Reports .................................................................................................................................................... 18
Reminder Letters. ..................................................................................................................................................................................... 19
Debt Recovery........................................................................................................................................................................................... 20
Consumer & Compliance Risk
Consumer Credit Reports.............................................................................................................................................................. 22 – 23
Debtor Tracing. ................................................................................................................................................................................ 24 – 25
ID Verification. ........................................................................................................................................................................................... 26
Anti-Money Laundering.......................................................................................................................................................................... 27
PEP & Sanctions Screening........................................................................................................................................................... 28 – 29
Integrated Solutions
Pre-built Integrations. ............................................................................................................................................................................. 31
Company Data API........................................................................................................................................................................... 32 – 34
Index
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Commercial Credit Risk

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UK & Ireland Company Credit Reports
Our Creditsafe Company Credit Reports for the UK & Ireland are accessible instantly online, accurate, crystal clear, easy-
to-digest and already trusted by over 200,000 professionals worldwide. Straight from our privately owned database (which
is updated over one million times a day) so you know it’s fresh and spot-on accurate.
Get all you need to know about a company’s credit risk in a flash. For a quick confident decision and peace of mind.

With every report you get;
To do business, or not to do business
– that is the question
• A Creditsafe score & recommended credit limit
• Five years of full company accounts information
• Complete trade payment history
• CCJ & adverse credit information
• Company linkages and holding companies
• Owner and director details
• Negative press & media commentary
• Original Companies House image documents
• Our commentary and guidance
All this and more delivered instantly online. For speed, convenience and cost-effectiveness you can’t beat.

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CCJ & adverse credit information
View full details of County Court Judgments
and their value.
Owner and director information
Know everything about them including past and current ownerships and directorships.
Company linkages & holding companies
See every company they’re linked to, home and abroad and view the performance of the ultimate holding company.
UK & Ireland Company Credit Reports
Why our reports are all you need
Company credit score
Calculates probability of a company becoming insolvent within the next 12 months, based on 150+ parameters, as well as economic and industry factors. You get a nice clear 1-100 score.
Complete trade payment history
Analyse the value of late and outstanding payments as well as the average number of days beyond terms.
Five years of company accounts
View full financials from the last 5 years
including Turnover, Profit & Loss, Shareholder
Funds, Trade Debtors, Cash, Assets and much
more.

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Creditsafe commentary
First page commentary highlights all the
key areas you need to be aware of and their
possible positive or negative impact.
UK & Ireland Company Credit Reports
Official filed documents
View original company documents as filed
at Companies House, including all financial
and auditor reports, director changes and
incorporation-related documents.
Media commentary
View all mentions of the company in the media including negative press. Filter by
risk terms and monitor any updates.
Everything you need to
make good decisions faster!

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International trade made simple

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International Credit Reports
Tap into the world’s largest owned company database in seconds for detailed information on over 190 million companies
worldwide. Get your report instantly online for our 50+ major countries, and just 2-10 working days for the rest of the
world. Just because a company is 1,000 miles away doesn’t mean you should have to wait.
Russia
Serbia
Slovakia
Slovenia
South Korea
Spain
Sri Lanka
Sweden
Switzerland
Taiwan
Ukraine
United Kingdom
USA
Albania Australia Austria Bangladesh Belgium Bosnia & Herzegovina Brazil Bulgaria Canada China Croatia Czech Republic Denmark Estonia Finland France Germany Greenland Hungary India Ireland Italy Kosovo Latvia Liechtenstein Lithuania Luxembourg Macedonia Malta Mexico Moldova Montenegro Nepal Netherlands Norway Pakistan Poland Portugal Romania
Instant report availability:

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International scoring made simple
To make things easier for you when trading internationally, we have created an international score. This allows you to
compare company credit scores across the globe; having peace of mind throughout every country you trade in. By using
the same scoring range and risk descriptions for all countries, we make it easy for you to compare reports.
Our score is designed with simplicity, ranging from A-E, A being the lowest risk, D being the highest risk and E being
unrated. It measures the likelihood of a company becoming insolvent within the next 12 months.
Rating Description
Very Low Risk Proceed with transaction – offer extended terms if required.
Low Risk Proceed with transaction.
Moderate Risk Proceed with caution and monitor closely.
High Risk Request assurances before extending credit in the form of personal guarantees.
Not Rated Insufficient information to assign a risk score. Either no information is available to indicate the
company is trading or further investigation is needed.
International Credit Reports

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International Credit Reports
Fresh commercial insight when you need it
Sometimes there is a need to freshly investigate an international business you believe may be experiencing financial
difficulty or going through changes. Creditsafe will freshly investigate any business that is not available within our live
online database of more than 190 million companies worldwide.
Freshly investigated company credit reports are usually available to view online within 2-10 working days and provide
invaluable insight that might not have come to light through the usual channels.

Creditsafe will freshly investigate and verify;
• Business name and trading location
• Changes that may have recently occurred
• Verification of ownership and senior management
• Financial assessment
• Creditworthiness and credit limits
• Any adverse business dealings

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Freshly investigated whenever the need
l 2-4 Days
l 5-7 Days
l 8-10 Days
International Credit Reports
Fresh investigation
speed of service*
* The average time taken to deliver a fresh investigation in 2015

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Worldwide company monitoring
Monitoring
Receive alerts on:
• Rating changes
• Credit limit changes
• Annual accounts
• Company status changes
• County Court Judgments
• Director changes
• Adverse credit notifications
• Online media mentions
Peace of mind comes from knowing you’re safe – with existing customers just as much as with new ones. With our Risk
Tracker company monitoring service you’ll get an email any time there’s a change in a company’s credit score or limit.
Essential for keeping an eye on your customers, suppliers and competitors. No one likes missing out; we’re here to make
sure you don’t.
Talk to our team for bespoke and advanced company monitoring solutions.
Monitor companies in:
Belgium, Finland, France, Germany,
Ireland, Italy, Netherlands, Norway,
Sweden, United Kingdom and USA

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Credit check your entire ledger in a flash
Managing customers’ credit risk can be a tricky task, especially when you have a large number of repeat customers.
By sending your customer list to Creditsafe, we can match it against our worldwide database and enhance it with
up-to-date credit risk scores and maximum recommended credit limits.
Records matched to the Creditsafe database can be automatically monitored so that
you receive updates as soon as there are any changes in your customers’ credit risk.

Records can also be enhanced with additional key information including:
• Current and previous credit scores and limits
• Company registration details
• Key financial & employee numbers
• Director and shareholder names
• County Court Judgment (CCJ) information
• Industry and business classifications
Batch Credit Checking

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It pays to find out who’s behind a company before making decisions. Our Director Report will tell you at a glance who the
owner or director is and their history – critical information to know whether you should trust them or not.
Our Director Reports include:
• Full director details, date of birth and address
• Current and previous directorships
• Appointment and resignation dates
• The credit rating of previous companies at time of resignation
• Full shareholder details
Approach with confidence and finesse.
When you know exactly who you’re dealing with, the top individuals
behind the scenes, you also have the upper hand when approaching
a company with payment terms.
Trust is all about people
Director Reports
Director Illustrator

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Smaller traders needn’t mean bigger risk

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Non Limited & Sole Trader Reports
Trading with sole traders and non-limited companies can be a risky business, especially if you are supplying goods or
services on credit. Creditsafe non-limited and sole trader credit reports provide verified non-limited company details on
more than 3.2 million non-limited businesses, including:

• Company name and address • Website address
• Business owner name • Number of employees
• Verified telephone number • Premises type

Our non-limited company information is enhanced with additional credit risk information to provide a reliable and
predictive credit score and maximum recommended credit limit, such as:
• Trade Payment History from previous and current suppliers
• County Court Judgments & defaulted payments
• Bankruptcies registered against the address or senior executive

This process is thoroughly followed and is proven to accurately predict possible failures where there is little or no financial
information available.

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When dealing with sole traders, knowing who to trust can be tricky. You’re often
faced with no accounts, little payment history, few credit credentials, and no
trading background.
So how do you know if they’ll pay on time… or at all? Well the good news is smaller
traders needn’t mean bigger risk. With consent, Creditsafe Blended Credit Reports
give you all you need for peace of mind and confident decisions.

They include:
• A blended credit score based on business and consumer credit information
• Owner & Business CCJ & Insolvency information
• Recent credit search history against the owner
• Demographic information of postcode area
• Full electoral roll info and time at address
• Trade payment history from previous suppliers
Blended Sole Trader Reports
You can trust the little guy too

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Chances are, you’re not in the business of debt recovery. Creditsafe
understands that this can be a time-consuming endeavour, and that is
why we developed and automated a debt collection service that gives
you the power of debt collection with the ease of automation.
The service allows you to create and send professional debt recovery
reminders to your customers in seconds, freeing you up to do what you
do best; run your business.
Because letters are sent directly from a credit reference agency, your late
paying customers are much more likely to respond and arrange payment.
You can also choose to share payment information with Creditsafe which
could affect a company’s credit score.
A small reminder with a big impact
Reminder Letters
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Every business has the right to be paid, on-time, for the work you do.
Creditsafe provide the tools for businesses of all sizes to recover any amount
of outstanding debt. Our commercial debt recovery partners will assess your
case and provide a no collection, no fee service ensuring you receive the best
possible chance of getting paid.
Creditsafe commercial debt recovery partners provide:
• No collection, no fee basis
• No upfront charges
• No hidden costs
• A choice of debt collection partners
• Detailed updates of your cases
• Debtor tracing
• UK & International collections
• Limited and Non-limited company collections
It’s time to collect
Debt Recovery

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Consumer and Compliance RiskA
A
A
A
A
A
A
A

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Trust through complete transparency
Consumer Credit Reports
When it comes to financial risk, if you’re in the industry of dealing with consumers
they are just as important to credit check as corporate giants.
If you have doubts about an individual you are doing business with, our Consumer
Reports will give you the insight you need to make quick, informed decisions
about who you do or don’t want to do business with. As well as confirming the
applicant’s name, address and the presence of any adverse public data; our credit
report information also shows the applicant’s payment history on their credit
commitments.
Consumer credit information can be accessed instantly online or delivered via our
consumer API for automated application processing.
• Check the credit status of company directors, proprietors and individuals
• Decide who you do or don’t want to do business with
• Access information from the Electoral Roll, Public Information File, and
details of aliases and associations
• Receive simple and easy-to-use risk scores

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Search
Applicant 1
Applicant 2
Search
Mrs A Williams
Mrs G Evans
DOB
DOB
Address Details
Postcode
Credit score
583/608
Confirmed Details
Address
Credit Searches
Undeclared Links
Notices
Past 3 Months
Past 12 Months
Corrections Disputes
Previous Address
1
2
3
Insolvency & CCJ
CCJ Details
Currently Insolvent
Insolvencies in last 6 years
Active CCJs
Satisfied CCJs
Total Amount
Consumer searches made simple
Consumer Credit Reports
Step 1:
Single or joint application search
Step 2:
Full credit report and credit risk details
Step 3:
Adverse credit information

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The rate at which people move house or relocate to new cities or countries is ever increasing, and that can make it
incredibly difficult for companies to locate missing debtors. Prompt and successful debtor tracing is key to a great
collection strategy. Calling upon a wealth of consumer data, Creditsafe provides a rapid, efficient and compliant way to
trace debtors instantly online.
Creditsafe provide a range of tracing services that will fulfil all your
business requirements for effective and expeditious debtor tracing.
Batch Tracing
If you have high volumes of debtors to trace, batch
tracing is the ideal solution. Utilising powerful
forwarding address link databases, it will trace debtors
on an automated batch basis.
Debtor Tracing
You don’t need to be a detective
to find missing customers

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Details
Name
Address
Telephone
Address
Address
Alias
Alias
ReportExcel 
Name  Address  Phone 
Name
Address
Telephone
Alias
Address Links
DOB Appending
Mortality Screening
Debtor Tracing
Batch Debtor Tracing
Step 1:
Batch upload list of debtors
Step 2:
Debtors matched against
multiple 3rd party databases
Step 3:
Updated debtor details
returned to customer

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Know who you’re dealing with
ID Verification
Due to the increased production of forged documents, manual identity checks make it difficult to accurately verify an
individual’s identity quickly. Anyone who conducts business via phone, mail or online should ensure they have stringent
identity checks in place as identity fraud now accounts for approximately half of all fraud conducted in the UK (Source:
CIFAS). Solicitors have obligations to comply with anti-money laundering (AML) regulations and, along with their staff, are
obliged to report any suspicious activities. Identity checking clients provides you with the confidence that you are dealing
with legitimate people.
Identity fraud is one of the fastest growing criminal enterprises in the UK. Fortunately, the Creditsafe ID Verification
service can provide peace of mind in a matter of seconds.
Drivers Licence Bank Verification Utility Bill

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Don’t Gamble with Compliance Risk
Anti-Money Laundering (AML) checks
‘Know your Customer’ policies state that the responsibility of client verification falls on you. Reduce the risk of non-
compliance whilst verifying a customer’s identity and taking precautions to prevent money laundering.
Benefits:
• Eliminate the need for lengthy and expensive ID verifications
• Simple approval system based on a comprehensive range of data sources
• Run reports in less than 60 seconds, online, via our API or batch service
• Verify individuals living at the address using official sources
• Check against multiple International Sanction & PEP databases
• Verify against UK Drivers Licence, International Passports & Utility bills
• Carries a full comprehensive audit trail for 6 years
Creditsafe AML checks are designed on the enhanced Customer Due Diligence requirements detailed in the Joint Money
Laundering Steering Group (JMLSG) guidelines.
Solicitors have obligations to comply with anti-money laundering regulations and, along with their staff, are obliged to
report any suspicious activities. Identity checking clients provides them with the confidence that they are dealing with
legitimate persons.

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PEP & Sanctions screening
Mitigate risk with global sanctions list screening
Politically Exposed Person’s (PEP) and Sanctions Screening mitigate regulatory and reputational risk by giving you
intelligence you can act on. Creditsafe provides access to PEP and Sanctions Screening lists, enabling you to screen a
person’s identity against worldwide government issued data - so you can identify politically exposed persons, terrorists,
criminals or sanctioned organisations and countries. By combining our accurate data with flexible and scalable filtering
and matching solutions, our customers can reduce risk, increase operational efficiency and lower the cost of AML
compliance.
Benefits to you:
• The industry’s most comprehensive data with 100% coverage of regulatory lists from around the world
• Records include industry standard identifiers for enriched matching capabilities
• Access to the largest PEP database in the world through C6 covering over 240 countries and territories
• Advanced search and predictable matching, enabling accurate and fast processing
• The ability to monitor and screen clients on a daily, weekly or monthly basis
Creditsafe PEP and Sanctions Screening service is a comprehensive solution enabling you to centralise and manage your
organisation’s screening against best-in-class data. PEP and Sanctions Screening helps you quickly identify a variety of
high risk entities posing economic and reputational risk to your organisation.

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Fast track your compliance search
Search
Person
Business
Search
Alex Bates
Sales Exchange Ltd
Results
Level
Export
0 100
Name                 Pep      Score
Adam Bates  100
Adrian Bates  61
Alan Bates  35
Alex Bates  78
Monitoring
Name
Gender
Nationality
PEP Level
Addresses
Details
PEP & Sanctions screening
Step 1:
Search by name or company
Step 2:
Quickly confirm any possible sanctions
Step 3:
Monitor individuals and
companies for future changes

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Integrated Solutions

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Integrated Solutions
For every role and industry, there’s an app
Creditsafe apps are customised for almost all CRM and Accounting packages. Our apps are quick and easy to install and
instantly eliminate risk by bringing up-to-date credit information directly from Creditsafe into your business applications.
Pre-Built Integrations
Creditsafe is compatible with
Find out more about our ready to use apps at
http://solutions.creditsafeuk.com

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Delivering Data in Real-Time
Company Data API
Covering more than 190 million company and director records globally, the Creditsafe API allows direct access to integrate
more than 200 data fields into your own software and bespoke applications.

The Creditsafe API gives you real-time access to:
• UK & International company information
• Full financial accounts (up to 5 years)
• Company name and address details
• Director and shareholder
• Group structure information
• Credit scores & recommended limits
• Adverse credit information
• Employee information
• Plus much more

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Choose from over 200 fields of information
Key Financials
Credit Scores
and Limits
Directors & Secretaries
Registered and
Trading Addresses
Mortgages & CCJ’s
Your API
Shareholders
Company Data API

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How our customers put the Creditsafe API to work
Marketers Build, update and maintain lists with clean, real-time data.
Finance Monitor the health of customers, suppliers, prospects and partners.
Sales teams Bring real-time prospect information into your sales systems.
Product developers Power your apps with real-time data and analytics.
International teams Get credit, financial and director reports on any business in the world.
Designed with your business in mind.
Simple to use Get started and start pulling data within minutes.
Support World class support and advice for integration troubleshooting.
Flexibility Find company & director details as well as comprehensive financials & credit information.
Seamless integration Can be integrated with the majority of leading CRMs within minutes.
Speed and scalability Responds instantly to queries and can grow as quickly as your business.
Company Data API

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Talk to a credit risk consultant today on 02920 886500
or visit www.creditsafeuk.com
Discover how Creditsafe
can help your business
64
Company Name  Painting Ltd
Company Number  012356
Registered Address  Cardif, United Kingdom
Website Address  www.paintingltd.com
Telephone Number  01234
Incorporation Date  18th June
SIC Description  Other Service
£5000 £3000 Active Active 20
Credit Limit Contract Limit Status DBT Industry DBT
Payment Trend
Summary Directors/Shareholders Financials Event History Group Structure
Rating
Does this company owe you money?
Company Credit Report

36. Get in touch
Creditsafe UK,
Bryn House,
Caerphilly Business Park,
Van Rd,
Caerphilly,
CF83 3GR
Tel: [phone]
Fax: [phone]
Web: www.creditsafeuk.com

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Registered in Wales. Company number: 03836192