Experian, Equifax, Trans Union.
American Leasing, we run all three credit reports on every applicant
that is a sole proprietor, partnership, or principal who will guarantee their
Some credit companies automatically approve a score of 650, and if below, automatically are turned down, even at 649. This is known in the trade as credit scoring.
American Leasing looks at this, but relies on the person, the experience, the history, and what is known in the trade, as the "story" behind the credit. We also evaluate financial statements, tax returns, projections, and look at the business and the people behind the business to help make our decisions.
Formerly known as TRW Credit, the name was changed. Statistically three out of ten credit reports have a "serious" error, according to Consumer Bureau reports.Here you can obtain copies of your report for a fee, start the road to contest a report (if you are turned down, you get a "free" copy for you to correct), learn more about how the system works, how you can protect yourself, and obtain reports for real estate, renters, or other purposes.
In my opinion, Experian receives all the automated computer reports in the United States and has more credit card and retail credit information about consumers than any other credit bureau.
Equifax also will give you a credit report for a fee. This is perhaps the largest credit bureau grouping in the world. They specialize in mortgage reports, employee background checks, and grew by combining efforts with all the small credit agencies in the United States, and sharing information with them.
In my opinion, they have more information than Experian or Trans Union about people who live in small towns or have local credit from a jewelry store, or a small credit grantor, particularly, if information is derogatory.
This company, as does Experian and Equifax, also provides business reports. Many businesses use them for trade reference checks.
my opinion, Trans Union is a combination of both Experian and Equifax
and does a very thorough job.
three credit agencies above run business credit reports, but the largest in the
world is Dun & Bradstreet.
You can get a copy of your Dun & Bradstreet report here for a fee. There is a subscription fee for business users, depending basically on how many you order a year (and they make you pay in advance). As a member, you can also obtain books on regions with their credit reports listing network and credit rating by company code; AA! is the top. The letters stand for net worth and go down to a single E, and the numbers are 1, pays within 30 days, 2 almost all paid within 30 days, 3 is pays within 30-to-60 days, and 4 is pays 60 days and longer.
We pay between $25 to $75 a report, depending on region and some other information.
I also recommend that you go to our Recommendation page and look for Financial. There are many other credit and business information sources available, primarily on very large, publicly traded companies and financial trends and analysis of these companies, plus industries as a group.
Voice: 408-395-6040 Fax: 408-317-2066