The Individual Adverse Enquiry is ideal if your assessment process only takes into account an individual's delinquent credit history.
If your business decision only changes when a credit applicant has a delinquent credit history then the D&B Individual Adverse Enquiry is most suited for you. With this report you only receive and pay for information that is critical to your business making a decision on whether or not to deal with a customer, what type of products/services to provide or what credit terms to extend.
Key benefits
- More profitable customers and products: by identifying if an individual has a delinquent credit history you can tailor your product/service offering to maximise profitability. For example enforcing payment by direct debit, limiting access to a pre-paid product, or only provide a low cost product/service.
- Only relevant information: because you only receive information critical to your assessment process, this report is easy for credit staff to use and incorporate into existing credit policies.
Key features
- In depth adverse information all on the one report: seven years of bankruptcies, 5 years of judgements, 3 years of summons data and 5 years of default data.
- Broad personal information: where available the report will contain current and previous addresses, date of birth, employer details and when the individual's credit file was created.
- Able to show an individual's personal credit history and their commercial credit history.
