Business Owner Reports

Xactus business owner reports provide the most reliable data on the business owner or guarantor so that you can make more confident credit decisions.

Get Better Data by Analyzing Business Owners More Thoroughly

Entrepreneurs often fund their businesses using their personal credit. That’s why if you’re evaluating risk and relying on the business’ credit history alone, you may be unknowingly putting yourself ─ and your business ─ in a vulnerable position. Xactus’ business owner reports provide more focused business data than a standard business report for these customers.

Monitor credit throughout the customer lifecycle

Manage the risk of bringing on brand new small business accounts, throughout the customer lifecycle, or if you’re going into a new market where larger, more established businesses are not as prevalent. By accessing a personal credit report and FICO® score on a company’s owner(s) in addition to the standard business credit report, you can confidently decide whether to alter your decision or adjust terms before granting a business credit. Soft or hard inquiry options are available. These reports are also helpful when conducting annual portfolio reviews.

Gain an understanding of:

  • How the business owner or guarantor manages his/her personal credit
  • Any credit issues that may be cause for concern
  • Whether or not to extend credit or require cash upfront
  • Liens and civil judgments data with the LexisNexis® RiskView™ Liens & Judgments Report

Increase efficiencies, reduce credit risk

Our robust business owner reports allow businesses to:

  • Minimize credit risk with a complete view of a business’s banking, leasing, and trade receivables obligations and payment history, as well as consumer credit performance of the business owner/guarantor

  • Optimize revenue and profitability by using FICO® Scores 9, 8, or 5. Vantage Scores also available

  • Reduce fraud losses by receiving the business name, address, telephone number, and tax ID, and running the consumer inquiry through a comprehensive scan

  • Increase efficiency by seamlessly accessing both business and consumer credit information independently or with our Blended Score Report

Mitigate risk. Start using Xactus’ business credit reporting solutions today!

Are you a mortgage lender looking for credit reports on consumers?

Visit our website that is dedicated to serving the mortgage industry.

Are you a mortgage lender looking for credit reports on consumers?

Visit our website that is dedicated to serving the mortgage industry.