Business Credit Tools

Business Credit Tools

Find out how CIC can help your risk management

CIC’s advanced web-based portal includes comprehensive business credit tools that let you manage your entire portfolio. Stay alert on customer credit standings and receive only alerts you find meaningful and actionable. Act on these accounts with precision using reports and scores or automate for speed with automated decisioning. Learn more about our services below:

Why Perform Business Credit Reports

Create targeted offers using detailed customer data

Develop better strategies for growth by having a more complete view of your customers. Our database management application systems organize customer information using integrated scoring and segmentation features. By categorizing customers according to credit risk, buying habits and channel preference, you can create more targeted offers and achieve better response rates. Plus, comprehensive data lets you manage commercial and consumer accounts more efficiently and lessen risk.

Help your business better manage customer information with the following products:

CONSUMER DATA

Custom Scoring Models

Achieve better campaign results using highly segmented data and advanced scoring models.

Optimization for Customer Management

Maximize customer relationships through profitable long-term strategies with a fundamental tool that optimizes decision making to identify the best consumer-level actions to grow your portfolio to increase profits and minimize risk exposure.

Prospect NavigatorSM

This web-based tool eliminates the need for in-house data storage, multiple vendors or the purchase of costly data feeds — and it improves business intelligence. Test strategies, run counts and analyze new markets.

CONSUMER CREDIT DATA

Archive Services

Optimize the management of your existing accounts by refining your portfolio management tools to identify areas that present the highest potential profit — and the highest risk.

Experian’s Data Integrity Services

Given the current regulatory environment, having a comprehensive methodology for assessing data quality throughout the customer lifecycle is vital to minimizing dispute volume and increasing customer satisfaction.

Experian TAPSSM

With TAPS (Total Annual Plastic Spend), know the total spend your customers generate, not just on your accounts but on other accounts as well. Differentiate the highest spenders to deliver better service, provide superior rewards, and even offer significantly higher credit lines.

Financial PersonalitiesSM — Credit Based

We combine consumers’ needs and attitudes with their actual behavior to build predictive models, using our comprehensive consumer data resources, to generate scores that accurately assign consumers to their financial personality.

Marketswitch OptimizationSM

Target specific segments of your portfolio most likely to convert and determine which customers should get which offers through which channel.

Prequalification

Prequalify consumers for credit in real time — enabling you to match consumers to loan options at the point of contact. Engaging consumers online, on the phone or face-to-face when they are engaged and most likely to respond will generate profitable leads for you.

Prescreen

Qualifies and segments your prospect list according to your unique credit criteria so you can target consumers most likely to respond to your credit offers.

Prospect TriggersSM

Stay ahead of the competition by knowing when your customers have moved into a credit risk profile that meets your ongoing business objectives for new offers.

Why Choose CIC Screening

Create targeted offers using detailed customer data

Develop better strategies for growth by having a more complete view of your customers. Our database management application systems organize customer information using integrated scoring and segmentation features. By categorizing customers according to credit risk, buying habits, and channel preference, you can create more targeted offers and achieve better response rates. Plus, comprehensive data lets you manage commercial and consumer accounts more efficiently and lessen risk.

Business Risk Management

Strategies to lower risks

Keeping your company safe from fraudulent activity, credit risk and profit loss is critical to any business — especially in today’s volatile economy. Here’s how Experian can help you manage risk without disrupting business:

Verify applicants and customers

We offer application screening and credit card verification tools that verify customer identity and prevent fraudulent activity, as well as tools that help authenticate business customers while meeting regulatory requirements.

Minimize risk

Receive alerts on derogatory information — such as liens, bankruptcy, late payments, charge-offs and changes in public records — to strengthen your risk management process and avoid loss. We can also alert you to customers who are shopping for credit elsewhere, so you can take swift action to retain their business.

Manage portfolio risk

Predictive scoring supports stronger, more reliable decisioning. Our custom scoring models help you identify revenue opportunities, accelerate application processing, and enable lessors to boost collection strategies by targeting accounts with high recovery potential.

Services

Strengthen your debt recovery strategies

Develop a more focused debt collection strategy to help reduce costs, save time and maximize resources. Learn more about how Experian can help you refine your debt management and recovery options:

Locate hard-to-find debtors

Obtain up-to-date contact information for your most hard-to-locate debtors. Experian frequently refreshes its extensive databases of consumer and commercial information, enabling you to locate elusive debtors, make contact and collect unpaid debt.

Business Information Services

Predictive insights that improve your organization profit

Decision Analytics

Dynamic analytics that boost your decisioning performance

Marketing Services

Transform your marketing via the power of customer data

Data Quality

Software and services to proactively manage contact data

Find the right customers with the right tools

Target Prospects

Find the right customers with the right tools

View Customer Segmentation Data, Credit Statistics, Behavioral Studies and More

  • Improve customer acquisition strategies with targeted customer segmentation
  • Achieve better results by narrowing your customer focus and targeting distinct segments

With psychographic profiles, specialized research results and analytics tools, you’ll be able to identify viable prospective customers, develop more targeted and relevant offers and ultimately improve your ability to acquire new customers.

Contact Us for Complete Details by Service

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