Commercial Credit File - Experian
How to Read
June 2014
INS0083
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Commercial Credit Report
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Order Date:
06/3/2014 - 09:47:01 a.m. ET
Complete Date:
06/3/2014 - 09:47:02 a.m. ET
Report for Mark Marsupial
Case ID: 99999ZZ99999999
Quoteback: 99999ZZ99999999
Account: 999999
Node/Location: ZZ9999999
User ID: Demo User
Special Billing ID: marksp
Reference Number: 9999999999999
Processing Status: Processing C omplete, with non in-effect policies returned
Business
Summary
Commercial
Attract
Commercial
Credit
Public
Records
Collections
Business Summary - Experian
Inquiry Data
Reported Data
Name: Marsupial, Mark
MARSUPIAL, MARK
Street Address: 401 N Lazy Lake Rd
401 N Lazy Lake Rd
City, State, Zip: Ann Arbor, MI 48104
Ann Arbor, MI 48104
Phone:
FEIN:
SIC Code/Description:
Years in Business:
12
Number of Employees:
85
Annual Sales:
$1,141,000
Key Personnel:
MARK MARSUPIAL,PRESIDENT
NAICS:
Legal Entity Type:
Prior Addresses
Street Address:
City, State, Zip:
Mailing Addresses
Street Address:
City, State, Zip:
Commercial Attract Score
Line of Business -
Business Insurance
Commercial Auto
Workers' C ompensation
Custom Messages
Unacceptable Financial Report.
Attract Score
Score : 639
Model-ID : C-204
Data source: Experian
C ommercial Attract Score is a configurable account option within C ommercial C redit File that automatically sends the commercial credit data returned
from the data provider to the appropriate LexisNexis scoring model to calculate an insurance score. The product output is a score with reason codes
behind the score.
Score Factors
Code
Description
6223
Total number of trades with net 61+ terms has an adverse impact on the score.
6210
Number of legal filings has an adverse impact on the score.
6209
Number of UCC filings has an adverse impact on the score.
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INS0083
EXPERIAN - INTELLISCORE PLUSSM score™
Score : 998
Score Action: Recent bankruptcy on file.
Experian Inq #: Z999999999.
Experian ID #: 999999999.
Summary - Experian
Bankruptcies
Total Bankruptcy Filings: 3
Most Recent Bankruptcy Filing Date: 05/28/2005
Liens
Total Original Liens Filed: 2
Total Original Liens Amount: $165,567
Judgments
Total Original Judgments Filed: 1
Total Original Judgments Amount: $10,040
UCC Filings
Total UCC Filings: 3
Bankruptcies
top ^
Details
Date Filed
Legal Action Description
Document Number
Liability Amount
Dispute Indicator
05/28/2009
Chapter 13
999998
Filing Location
$0
N
04/27/2009
Chapter 13
999997
$0
N
04/09/2007
Chapter 11 Dismissed
999996
$0
N
Liens
top ^
Details
Date Filed
Legal Action Description
Document Number
Filing Location
Liability Amount
Dispute Indicator
03/28/2005
Liens
9999999
Hudson County Reg.
$1,334
N
08/12/2004
Lines
999995
Hudson County Reg.
$164,433
N
Judgments
top ^
Details
Date Filed
Legal Action
Document
Description
Number
12/17/2007 Filed
ZZ99999999
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Filing Location
Hudson County
Specia.
4
Liability
Dispute
Plaintiff
Amount
Indicator
Name
$10,040
N
AICCO INC
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Summary - Experian
Total Open & Closed Accounts: 1
Total Open Accounts: 1
Total Amount Placed: $6,681
Total Amount Placed: $6,681
Total Amount Paid: $0
Total Amount Paid: $0
Collections
top ^
Open Accounts
Date Placed
Amount Placed
Amount Paid
Agency Name
Dispute Indicator
08/2005
$6,681
$0
ABC Credit
N
Amount Placed
Amount Paid
Agency Name
Dispute Indicator
Closed Accounts
Date Placed
C om m e rcial C re dit R e port Provide d by: Experian
Pre pare d by: C om m e rcial C re dit - Le x isNe x is R isk Solutions
If you have que stions, C ontact
Busine ss Disclosure
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Te le phone : 1-800-456-6432
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Introduction
The LexisNexis® Commercial Credit File Report provides a Commercial Attract Score, along with other applicable
business and financial information that you need for objective risk assessment. LexisNexis developed this reference to
assist you in the use of commercial credit and business information in your commercial insurance risk evaluation and
rating. It describes each section of the Commercial Credit Report and the significance of each section. LexisNexis is
committed to contributing to the overall success of your business. We are confident that the information included will
assist you in using the Commercial Credit Reports to help reduce the time and resources involved in making sound
underwriting decisions.
Business Summary Section
This section will include a summary of the results as well as the input data from the inquiry.
Case ID and Quoteback: The quoteback for a Commercial Credit report matches the report to your quote submission or
policy. Often the quoteback used is the quote/policy number, but can be any value you designate. Because you may
need to match one Commercial Credit report to multiple lines of business up to five quotebacks can be entered.
Node/Location: This is a unique, LexisNexis assigned identifier for your business location.
User ID: The user who ordered the report.
Special Billing ID: This is a six byte alphanumeric field that may be used by the ordering company to identify orders on a
customer’s bill.
Reference #: This is your report identification number within the Commercial Credit File report. If you have questions
about your report, provide this number to a LexisNexis representative when you call Customer Support.
Processing Status: This indicates the current status of the report.
Status
Description
Processing Complete; with results
information
Indicates that the order was processed and a report was returned
with information.
Processing Complete; results clear
Indicates that the order was processed but no results returned.
Not Processed; insufficient search data
Indicates that not enough information was provided to process the
order
Not Processed; Current Carrier
unavailable
Indicates that the order was not processed due to Current Carrier
not being available.
Not Processed; Invalid LexisNexis
account number
Indicates that the order was not processed due to an invalid
account number.
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Status
Not Processed; access not permitted
Description
Indicates that the order was not processed because of insufficient
access.
Inquiry Data: The information in this column mirrors the information submitted with the request.
Reported Data: This information is the data returned from Dun and Bradstreet.
DBA Name: The Doing Business As name for the business searched.
FEIN: This is the Federal Employer Identifier Number.
SIC Code/Description: SIC stands for Standard Industry Classification.
DUNS Number: Dun & Bradstreet's unique identification number used to identify the business inquired upon.
Key Personnel: Displays the name and title of key personnel. This could include the owners, officers, partners, or
managers of the business.
NAICS: Displays the NAICS code for the business.
Legal Entity Type: Displays the legal entity type listed for the business.
Commercial Attract Section
This section will contain the information related to the Commercial Attract Score if it is ordered.
Custom Messages: Each carrier can specify customized credit decisions or messages that will be displayed based on the
score model and insurance score value calculated for each business.
Attract Score: Score generated using the account specific LexisNexis scoring model to calculate an insurance score.
Model ID: Identifies the model used to generate the score.
Score Factors: This section provides a list of up to four reasons that had the most significant adverse impact on the
Attract score calculated for the business.
Commercial Credit Report Section
This section provides a Experian commercial credit score for the line of business requested. This section is always
generated for each line of business search for that claim.
Experian - Intelliscore Plus Score: Experian Intelliscore Plus predicts the likelihood that the business will become
seriously delinquent within the next 12 months. The higher the score the lower the probability of serious delinquency.
Seriously delinquent is defined as more than 90 days past terms or bankrupt.
Score Action: This indicates the risk level of the business searched. The following values that can be returned in this
field:
• Low Risk
• Medium Risk
• High Risk
• Recent Bankruptcy on File
Experian Inq #: Experian unique identification number used to identify the business inquired upon.
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Experian ID: Experian unique identifier.
Public Records
This section will report the public records returned from the LexisNexis searched.
Bankruptcies: This contains any bankruptcy summary information found for the business. Detailed description of related
fields is as follows:
• Total Bankruptcy Filing: The total number of bankruptcy filings
• Date Filed: Date current bankruptcy was filed
• Legal Type Code: A code to show the legal type associated with a bankruptcy
• Legal Type Description: A description of the legal type code
• Legal Action Code: A code to show the type of action associated with the bankruptcy
• Document Number: The document number associated with the legal action
• Filing Location: The state or court where the bankruptcy was filed
• Liability Amount: The dollar amount of the debtor’s liability
• Dispute Indicator: Indicates if the bankruptcy filing is in dispute
Liens: This displays any lien summary information related to the business. Detailed description of related fields is as
follows:
• Total Original Liens Filed: The total number of original tax liens filed
• Total Original Liens Amount: The total amount of original tax liens filed
• Date Filed: The date the current action was filed
• Legal Type Code: A code to show the legal type associated with the tax lien
• Legal Type Description: A description of the legal type code
• Document Number: The document number associated with the legal action
• Filing Location: The state or court where the tax lien was filed
• Liability Amount: The dollar amount of the debtor’s liability
• Tax Lien Code: A code associated with the tax lien
• Tax Lien Description: A description of the tax lien code
• Dispute Indicator: Indicates if the tax lien filings is in dispute
Judgments: This displays the information about the judgments filed against the searched business.
UCC Filings: This displays the number of UCC filings associated with the business.
Collections
This section will report the collections information returned from the LexisNexis search.
Summary: This contains a summary of all the collection information found on the company. The values reflect the
amounts of all collections account information for the business.
Amount Placed: This displays the amount sent to collections.
Amount Paid: This displays the amount of the collection that has been paid.
Agency Name: This displays the name of the collection agency that is handling the account.
Dispute Indicator: This displays whether or not the business is currently disputing or has disputed the collection charge.
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