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Equifax Commercial Information
Solutions Overview
March 2009
Ted LaBadie
AVP – Business Development
Equifax Commercial Information Solutions
[email protected]
678-482-9071
Equifax Confidential and Proprietary
Agenda
Thank You
Equifax Commercial – What and Why
Commercial Credit Report and Score Review
Quick Database Statistics
Pricing
Q&A
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Equifax Confidential and Proprietary
Equifax Commercial
“Elevator” Overview
Equifax Confidential and Proprietary
Proven Market Leader
Data
 400 million
 Started in 1899




 S&P 500 Company
 400,000+ Customers
 250+ Products
Consumer/Commercial
Profiles
5 billion Trade lines
2 billion Updates Monthly
5.5 billion Scores Annually
5 million Decisions Daily
 Operations in 14 Countries
 $1.8 Billion in Revenue
 7000 Associates
 NYSE Firm (EFX)
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Equifax Confidential and Proprietary
Our Value Statement
Equifax Commercial Information
Solutions provides high quality and
unique data for superior decision-making
combined with unparalleled customer
service to grow your top and bottom line.
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Equifax Confidential and Proprietary
Business Credit Challenges
Lack of small business credit
information
Inability to accurately evaluate
debt level and payment patterns
on loans, leases, and credit cards
No control over data
High costs relative to value
received
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Equifax Confidential and Proprietary
Commercial Data Components
Small Business
Financial Exchange
(SBFE) Data
Data Sharing
Agreement
Commercial
Trade Data
Firmographics
Public Records
Equifax
Commercial Solutions
Database
23+ Million Business Files
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Equifax Confidential and Proprietary
SBFE Board of Directors
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Equifax Confidential and Proprietary
Market Coverage
Experian
D&B
Equifax
Large Businesses
Expanding file: adding
new commercial records
Trying to acquire small
business trade lines
Mid-size Businesses
Trying to acquire small
business trade lines
Approx. 17K
Enriching current
file: adding nonfinancial trade lines
Small Businesses
Approx. 26.8M*
*Source: SBA Web site/FAQs/March 2008
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Equifax Confidential and Proprietary
Equifax Commercial Differentiators
Limited Access to
Non
Data Contributors
Exclusive Provider
Of
SBFE Information
Right and Unique
Focus
Easily Integrated
Into Automated
or Manual
Processes
Personal
Guarantor
Information
No
Self-Reported
Data
Equifax
Commercial Solutions
No
Marketing
One Inquiry One Report
All Files
Have Credit
Information
No Charge for
No-Hit/Search
Proprietary
World-Class
Scores
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Equifax Confidential and Proprietary
Link to Consumer
Member Accolades
“When Marathon Petroleum Company LLC switched from a
competitor's credit report to the Equifax Commercial Credit Report a
year ago, the amount of additional information was substantial. The
report gives us a view of how the applicant pays all their financial and
commercial trade line creditors. The change to the Equifax Commercial
Credit Report has been very beneficial to Marathon.”
Bob George, Supervisor Cardholder Services Marathon Petroleum Company
“The Equifax Commercial Credit Report has become an important tool
for the credit department at Saia. The reports are easy to read and the
financial information available has been very helpful in our decisionmaking process. I would definitely recommend this product.”
Kenneth Smith, Credit Manager Saia, Inc.
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Equifax Confidential and Proprietary
Commercial Solutions
Products & Services
Equifax Confidential and Proprietary
Equifax Commercial Solutions Suite
Marketing
Account
Management
Acquisition
Business Fraud
Advisor
Account Triggering
Risk Filter
Business Principal
Report
Bankruptcy Alert
Small Business
Owner Index
Commercial Credit
Report
BusinessClass
Commercial Insight
Actual Median Credit
Business Principal Report
Recovery
Commercial Credit
Report
Small Business Credit
Risk Scores
Analytics
Business Failure
Score
Commercial Credit Report
Modeling Attributes
Custom Scores
Business Failure Score
Small Business Credit Risk
Scores
Modeling Attributes
Business Failure Score
Custom Scores
Commercial Insight
Data Select
Modeling Attributes
OFAC Alert
Custom Scores
Risk Class
Data Select
Suggested Credit Limit
OFAC Alert
Small Business Credit
Risk Scores
Risk Class
Suggested Credit Limit
All product names are trademarks of
Equifax Inc. Copyright © 2007.
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Equifax Confidential and Proprietary
Data Select
Risk Class
How to Read the Equifax
Commercial Credit Report
March 2009
Equifax Confidential and Proprietary
Report At-A-Glance
Company Profile
Inquiry Alerts
Scores / Suggested
Credit Limit
Public Records
Credit Usage
Credit Summary
Payment Trends
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Equifax Confidential and Proprietary
Scores/Risk Class
Credit Risk Scores – commercial data
option or blended option with principal
(consumer) data
Risk Class / Risk Rating – ranking 1- 9
and description
Business Failure Risk Score – predicts
likelihood of business failure
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Equifax Confidential and Proprietary
Decisioning Detail
Provides score plus up to four reason codes indicating
reason for the score and score definition
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Equifax Confidential and Proprietary
Public Records
Includes judgments, liens,
bankruptcies and business
registrations
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Equifax Confidential and Proprietary
Public Record Detail
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Equifax Confidential and Proprietary
Financial Credit Usage
Details the credit limit, total balance and
available credit of open credit lines from
financial institutions
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Equifax Confidential and Proprietary
Credit Report Summary
Provides key summarizations of overall
file content, and breaks activity into
financial and non-financial segments
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Equifax Confidential and Proprietary
Recent Trend/
Days Beyond Terms
Displays the average days beyond
terms in a recent trend and on a monthby-month basis
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Equifax Confidential and Proprietary
Payment Index
The Payment Index is a numeric
measurement of the past and present
payment habits of a business.
 Business Account Payment Index - based on the
payment habits of the company for which an inquiry was
submitted
 Industry Payment Index – based on the payment habits
of the industry to which the company inquired upon
belongs.
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Equifax Confidential and Proprietary
Financial Account Highlights
Provides high-level information for each financial account
on the credit file
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Equifax Confidential and Proprietary
Financial Account Detail
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Equifax Confidential and Proprietary
Non-Financial Payment Experiences
Provides high-level information for each non-financial
account on the credit file
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Equifax Confidential and Proprietary
Non-Financial Account Payment Detail
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Equifax Confidential and Proprietary
Additional Information
Provides alternate names, addresses, phone numbers, tax
IDs and SIC/NAICS codes on the business,
owner/guarantor information, comments, inquiries
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Equifax Confidential and Proprietary
Related Files
Principal search results are automatically available to
ePORT users under the Related Files tab
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Equifax Confidential and Proprietary
Contact Us
Provides address, phone and email to request
additional information or file a dispute
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Equifax Confidential and Proprietary
Commercial Solutions Data
Quality
Equifax Confidential and Proprietary
Commercial Database Growth
110
97.5
100
91.2
90
83.1
SBFE Trades
80
76.3
SBX Trades
70
Total Trade Lines
58.7
60
50
43.6
37.3
40
30
23.7
20
10
102.8
100.6
12.2
11.5
5.1
20.8
16.5
36.2
32.7
45.8
37.3
50.2
41
53.7
43.8
55.2
45.4
57.0
45.7
22.5
5.1
0
YE 2001 YE 2002 YE 2003 YE 2004 YE 2005 YE 2006 YE 2007 Nov-08 Dec-08 Jan-09
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Equifax
Confid
Equifax Confidential
ential &and Proprietary
Folder
Composition
13%
33%
1%
53%
Both SBFE & SBX Trade
SBX Trade Only
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SBFE Trade Only
Public Records Only (No Trades)
% of Business Folders
Equifax
Confid
Equifax Confidential
ential &and Proprietary
Unique Financial
Relationships
13%
28%
12%
28%
Folders w/ 1 SBFE Relationship
Folders w/ 2 SBFE Relationships
19%
Folders w/ 3 SBFE Relationships
Folders w/ 4+ SBFE Relationships
(Folders w/ only SBX accts or only public records)
% of Business Folders
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Equifax
Confid
Equifax Confidential
ential &and Proprietary
Key Business
Content
Folders with at Least One:
100%
89.1%
85.9%
76.4%
61.2%
50%
38.6%
0%
SBFE Account
Principal/Guarantor
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Telephone Number
Equifax
Confid
Equifax Confidential
ential &and Proprietary
Tax ID
SOS
2009 SBX Pricing/Terms
Pricing dependent on Data Contribution status
and annual report volume

If not contributing, maximum usage restricted to 500
reports per year
– $18.37 per report
– $2.20 for Online Risk Score/Class
– $2.10 for Online Failure Score ($1.88 if order with
Risk Score/Class)

If contributing, no usage amount restrictions and
pricing discounts apply
No Spend Commitment
No Charge for No-Hit’s or Search
No Reports without Banking, Trade or Public
Records
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Equifax Confidential and Proprietary
Next Steps
Get All Questions Answered
Contact Your NACM Representative And Get Sample Reports
Complete No Risk – No Obligation Sign Up process
Add Equifax Commercial to your Credit “Toolkit”
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Equifax Confidential and Proprietary
Discussion
Questions?
Comments?
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Equifax Confidential and Proprietary