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| CREDIT INFORMATION SCORE
HISTORY AND TRENDS |
| The overall Risk associated
with this business - Will I get paid? |
| This business has a current Credit
Information Score of 34 |
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| Credit Information Score is calculated using the
following matrix |
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| Active in
Equifax database for (years) |
0-1 |
1.1-2 |
2.1-4 |
4.1-9 |
9.1+ |
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Score |
10 |
8 |
6 |
4 |
0 | |
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| Current Payment
Index |
51+ |
41-51 |
31-40 |
21-30 |
0-20 |
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Score |
10 |
7 |
5 |
4 |
0 | |
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| Number of trade
payment references in last 90 days |
0-1 |
2-3 |
4-6 |
7-10 |
11+ |
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Score |
10 |
8 |
5 |
3 |
0 | |
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| Last quarter
Payment Index vs. same quarter last year (point
difference) |
41+ |
21+40 |
11+20 |
6-10 |
0-5 |
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Score |
10 |
8 |
6 |
4 |
0 | |
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| Number of
derogatory items in last 2 years |
10+ |
8-9 |
5-7 |
2-4 |
0-1 |
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Score |
10 |
8 |
5 |
3 |
0 | |
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| How recent was
last derogatory item (months) |
1-2 |
3-4 |
5-6 |
7-12 |
12+ |
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Score |
10 |
7 |
4 |
3 |
0 | |
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| Amount
derogatory items as a % of dollars now owed to
suppliers |
100% |
51-99% |
11-50% |
1-10% |
0% |
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Score |
10 |
8 |
5 |
2 |
0 | | | |
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| The Risk Trend Numbers over the last three
years |
| Quarters |
Credit Information Score |
Number of Suppliers |
Total Owing |
Current $ |
1st |
Overdue Periods 2nd |
3rd |
| 1st Qtr/2003 |
52
|
15 |
$245,640 |
$153,025 |
$84,796 |
$34
|
$7,785 |
| 4th Qtr/2002 |
32
|
12 |
$329,996 |
$214,358 |
$109,840 |
$5,798 |
$0
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| 3rd Qtr/2002 |
23
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12 |
$300,861 |
$225,559 |
$75,256 |
$46
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$0
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| 2nd Qtr/2002 |
0
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12 |
$77,618 |
$39,890 |
$35,445 |
$2,283 |
$0
|
| 1st Qtr/2002 |
0
|
10 |
$227,403 |
$122,083 |
$104,557 |
$614 |
$1,491 |
| 4th Qtr/2001 |
0
|
20 |
$162,469 |
$131,273 |
$26,440 |
$4,263 |
$493 |
| 3rd Qtr/2001 |
0
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18 |
$165,187 |
$100,359 |
$61,723 |
$2,667 |
$438 |
| 2nd Qtr/2001 |
0
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15 |
$113,142 |
$68,167 |
$35,485 |
$95
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$9,395 |
| 1st Qtr/2001 |
19
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15 |
$393,671 |
$248,210 |
$135,408 |
$3,691 |
$6,092 |
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| * Refer to graph in Report Summary section. |
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| PAYMENT INDEX HISTORY AND
TRENDS |
| What are the
suppliers to this business telling us? |
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| This business has a current Payment Index of 40 |
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| The Payment Index is similar to
"days beyond terms". The following ranges were calculated as
benchmarks: |
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| Payment Index |
% of
database |
The Payment Index ranges
from fast paying 0 to slow paying 100 |
| 0 |
65 |
All trade suppliers are reporting
being paid within terms |
| 1-10 |
8 |
Average days to pay is slightly beyond
terms |
| 11-20 |
6 |
Average days to pay is 10 to 20 days
beyond terms |
| 21-30 |
5 |
Average days to pay is 20 to 30 days
beyond terms |
| 31-40 |
6 |
Average days to pay is 30 to 40 days
beyond terms |
| 41-90 |
5 |
Only 5% of businesses in Equifax's
database fall into that range |
| 91-100 |
3 |
All trade suppliers are reporting
being paid in the third period past due or not at all |
| NA |
NA |
No trade suppliers reported to Equifax
in the indicated time period | |
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| 1st Qtr/2003 |
52
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15 |
$245,640 |
$153,025 |
$84,796 |
$34
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$7,785 |
| 4th Qtr/2002 |
42
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12 |
$329,996 |
$214,358 |
$109,840 |
$5,798 |
$0
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| 3rd Qtr/2002 |
NA
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12 |
$300,861 |
$225,559 |
$75,256 |
$46
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$0
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| 2nd Qtr/2002 |
15
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12 |
$77,618 |
$39,890 |
$35,445 |
$2,283 |
$0
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| 1st Qtr/2002 |
5
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10 |
$227,403 |
$122,083 |
$104,557 |
$614 |
$1,491 |
| 4th Qtr/2001 |
0
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20 |
$162,469 |
$131,273 |
$26,440 |
$4,263 |
$493 |
| 3rd Qtr/2001 |
0
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18 |
$165,187 |
$100,359 |
$61,723 |
$2,667 |
$438 |
| 2nd Qtr/2001 |
0
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15 |
$113,142 |
$68,167 |
$35,485 |
$95
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$9,395 |
| 1st Qtr/2001 |
19
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15 |
$393,671 |
$248,210 |
$135,408 |
$3,691 |
$6,092 | |
| * Refer to graph in Report Summary section. |
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| CREDIT REFERENCES |
In some situations,
payments beyond terms can be a result of misplaced invoices or
disputed accounts. Equifax reports trade items as they are received
and as such they represent an historical experience. An outstanding
amount on this report is not necessarily still outstanding
today. |
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| Twenty-five
most RECENT Credit References* |
| Supplier |
Date Reported |
High Credit |
Total Owing |
Current |
1st |
Past Due Periods 2nd |
3rd |
| EQUIFAX
COMMERCIAL |
Oct 2003 |
$2,555 |
$2,555 |
$2,555 |
$0
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$0
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$0
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| LEASING
CO. |
Oct 2003 |
$1,880 |
$460 |
$460 |
$0
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$0
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$0
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| TIRE
CO. |
Oct 2003 |
$70,000 |
$70,000 |
$60,000 |
$5,000 |
$3,000 |
$2,000 |
| INTERNATIONAL
INC |
Oct 2003 |
$25,000 |
$15,000 |
$14,500 |
$500 |
$0
|
$0
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| Total |
$99,435 |
$88,015 |
$77,515 |
$5,500 |
$3,000 |
$2,000 | |
| *If less than 25 on file, they
will all display. |
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| Ten LARGEST Credit References* |
| Supplier |
Date Reported |
High Credit |
Total Owing |
Current |
1st |
Past Due Periods 2nd |
3rd |
| TIRE
CO. |
Oct 2003 |
$70,000 |
$70,000 |
$60,000 |
$5,000 |
$3,000 |
$2,000 |
| INTERNATIONAL
INC |
Oct 2003 |
$25,000 |
$15,000 |
$14,500 |
$500 |
$0
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$0
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| EQUIFAX
COMMERCIAL |
Oct 2003 |
$2,555 |
$2,555 |
$2,555 |
$0
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$0
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$0
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| LEASING
CO. |
Oct 2003 |
$1,880 |
$460 |
$460 |
$0
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$0
|
$0
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| Total |
$99,435 |
$88,015 |
$77,515 |
$5,500 |
$3,000 |
$2,000 | |
| *If less than 10 on file, they
will all display. |
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| BANKING INFORMATION |
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| This Bank Report was obtained on: Apr 19,
2002 |
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| Bank Name: |
BIG BANK OF CANADA |
| Bank Phone: |
(514) 555-5555 |
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| Current Account
Opened: |
For more than 3 years |
| Current Account Balance: |
Low 6 figures to Medium 6
figures |
| Returned Cheques: |
25, In the last 3 months |
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| This Bank Report was obtained on: Jan 01,
2001 |
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| Bank Name: |
BANK NUMBER 2 |
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| This Bank Report was obtained on: Apr 13,
2000 |
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| Bank Name: |
BANK NUMBER 3 |
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| Current Account
Opened: |
Jan 01, 1997 |
| Current Account Balance: |
Low 6 figures |
| Returned Cheques: |
None |
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| Line of Credit authorized: |
8000 to 10000 |
| Rating on Line of Credit: |
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| Secured? By what?: |
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| Loan Details |
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| Loan Date: |
Not available |
| Loan Amount: |
High 5 figures |
| Still Owing: |
High 5 figures |
| Rating: |
Not available |
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| Signing Officer(s): |
Not available |
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| This Bank Report was obtained on: Apr 13,
2000 |
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| Bank Name: |
BANK NUMBER 4 |
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| This Bank Report was obtained on: Apr 12,
2000 |
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| Bank Name: |
BANK NUMBER 5 |
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| Current Account
Opened: |
For more than 3 years |
| Current Account Balance: |
Low 5 figures |
| Returned Cheques: |
None, L3D |
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| Signing Officer(s): |
Not available |
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| This Bank Report was obtained on: Nov 09,
1998 |
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| Bank Name: |
OTHER BANK |
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| Current Account
Opened: |
For more than 3 years |
| Current Account Balance: |
Low 5 figures |
| Returned Cheques: |
None |
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| This Bank Report was obtained on: May 14,
1998 |
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| Bank Name: |
BANK NUMBER 6 |
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| Current Account
Opened: |
May 01, 1992 |
| Current Account Balance: |
Medium 5 figures to High 5
figures |
| Returned Cheques: |
None |
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| Current Account
Opened: |
Jan 02, 1998 |
| Current Account Balance: |
40000 to 50000 |
| Returned Cheques: |
235, In the current month |
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| Current Account
Opened: |
Less than 1 year |
| Current Account Balance: |
Low 5 figures to Medium 5
figures |
| Returned Cheques: |
None, In the last 3
months |
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| Current Account Balance: |
Low 5 figures |
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| Line of Credit authorized: |
45000 to 50000 |
| Utilization of Line of Credit: |
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| Secured? By what?: |
Not available |
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| Loan Details |
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| Loan Date: |
Less than 1 year |
| Loan Amount: |
50000 to 67000 |
| Still Owing: |
Low 4 figures |
| Rating: |
Not available |
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| Signing Officer(s): |
FILE TEST JOHN TEST 2 signatures
required |
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| Other files
included in this report |
| Equifax has received information
that the following names and addresses are related to this business. These
could be: different spelling of the business name, former addresses or
names, branch locations whose invoices are paid from on central locations,
PO Box addresses, etc. Regardless of which address you've chosen to pull
this report for, the information is identical. |
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| A B C HOMES LTD., 11
GREENBRIER CRES, NORTH BAY, ON, L1H1H1 |
| ABC HOMES LTD, 206, 2
ATHABASCA AVENUE, MONTREAL, QC, H1H1H1 |
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| DEROGATORY
ITEMS |
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| Information from the Office of the Superintendent of
Bankruptcy |
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| Type of Action: |
Petition for Receiving
Order |
| Date Received from
Source: |
Apr 10, 2000 |
| Source of
Information: |
National Bankruptcy
Listing |
| Filing Date: |
Oct 01, 2003 |
| Province: |
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| Estate
Information: |
MAISON ABC INC. 123 BL TEST EST
SUITE 200 NORTH BAY, ON
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| Trustee
Information: |
TRUSTEE TEST TORONTO, ON Licence
Number: 99999 | |
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| This report limits the display of Derogatory
items to a maximum of 10 in each category: returned cheques, collection
claims, legal suits, judgement and other (non-derogatory) legal items.
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