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Sample Enhanced Commercial Credit Report 		 
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Enhanced Commercial Credit Report
REPORT SUMMARY Help
BUSINESS IDENTIFICATION INFORMATION
Business ABC COMPANY Inquiry on Apr 08, 2003
File Number 0001254893
Address 110 Sheppard Ave. E. Subject Number ZZ9588
Toronto, ON Telephone (416) 227-5322
M2N 6S1 Fax (416) 227-5053
Line of Business Description
SIC (Standard Industrial Classification) 4702 Plumbing contractor
Active in Equifax Database since: Nov 03, 1997
Annual Sales: $25,000,000
Employees: 20
Incorporation Date: Apr 12, 1997, Provincial Charter Ontario
Business Contact(s)/Title(s) JOHN TEST - President
CREDIT INFORMATION SCORE
34
Answers the question: Will I get paid? The overall Risk Level associated with this business relative to others in the database is
High risk
PAYMENT INDEX
40
Answers the question: When will I get paid? Based on supplier information provided to Equifax, this business is paying invoices on average
40 days past due
IMPORTANT REPORT HIGHLIGHTS
Recent Activity since Jan 01, 2003
# of Accounts 3rd Period Past Due
% dollars - 3rd Period Past Due
Derogatory Items - Number
Derogatory Items - Amount
Inquiries on this Account

1
2.27%
1
$50,000
5
Most recent Derogatory item Sep 2003
What are Derogatory items?
Returned Cheques, Collection Claims, Legal Suits, Judgements or Information from the Office of the Superintendent of Bankruptcy
OVERALL REPORT CONTENTS
Derogatory Items on File (up to 5 years) Number Amount Most
Recent
Returned Cheques
Collection Claims
Legal Suits
Judgements
Bankruptcies
1
2
5
1
1
$2,552
$15,204
$5,659
$2,513
NA
Apr 2002
May 2002
Aug 2003
Sep 2003
Oct 2003
Overall Supplier Information Financial Suppliers Trade Suppliers
# of Suppliers
Amount 3rd Period Past Due
Total Credit Exposure
Single Highest Credit Exposure
Average Credit Exposure
Inquiries on the Account
0
$0
$0
$0
$0
NA
4
$2,000
$88,015
$70,000
$22,004
5
DETAILS (Click on " + " or " - " to view or close the full detailed information on this business.) Help

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

Risk Score The Credit Information Score ranges from a low risk of 0 to a high risk of 70
0-9 Lowest risk
10-20 Average risk
21-30 Above average risk
31-40 High risk
41-69 Highest risk
70 Information has been reported to Equifax from the office of the Superintendent of Bankruptcy
The Credit Information Score for THIS BUSINESS was determined based on the following:
ITEM (Lower score = Lower risk; Higher score = Higher risk) SCORE
1. Active in Equifax credit database for 6.1 years 4
2. Current Payment Index is 40 5
3. Number of supplier references on file is 13 0
4. On Mar 31, 2003 the Payment Index was 38 points higher than Mar 31, 2002 0
5. Number of derogatory items on file in the past 2 years is 8 8
6. The most recent derogatory item was recorded 6 months ago 7
7. Derogatory item amounts as a % of dollars owed suppliers is 10% 2

TOTAL Current Credit Information Score -> 34

Credit Information Score is calculated using the following matrix
Active in Equifax database for (years) 0-1 1.1-2 2.1-4 4.1-9 9.1+

 Score 10 8 6 4 0
Current Payment Index 51+ 41-51 31-40 21-30 0-20

 Score 10 7 5 4 0
Number of trade payment references in last 90 days 0-1 2-3 4-6 7-10 11+

 Score 10 8 5 3 0
Last quarter Payment Index vs. same quarter last year (point difference) 41+ 21+40 11+20 6-10 0-5

 Score 10 8 6 4 0
Number of derogatory items in last 2 years 10+ 8-9 5-7 2-4 0-1

 Score 10 8 5 3 0
How recent was last derogatory item (months) 1-2 3-4 5-6 7-12 12+

 Score 10 7 4 3 0
Amount derogatory items as a % of dollars now owed to suppliers 100% 51-99% 11-50% 1-10% 0%

 Score 10 8 5 2 0

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
3rd Qtr/2002 23 12 $300,861 $225,559 $75,256 $46 $0
2nd Qtr/2002 0 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 18 $165,187 $100,359 $61,723 $2,667 $438
2nd Qtr/2001 0 15 $113,142 $68,167 $35,485 $95 $9,395
1st Qtr/2001 19 15 $393,671 $248,210 $135,408 $3,691 $6,092
* Refer to graph in Report Summary section.

PAYMENT INDEX HISTORY AND TRENDS
What are the suppliers to this business telling us?

This business has a current Payment Index of 40

The Payment Index is similar to "days beyond terms". The following ranges were calculated as benchmarks:

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

The Payment Trend Numbers over the last three years
Quarters Payment
Index		 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 42 12 $329,996 $214,358 $109,840 $5,798 $0
3rd Qtr/2002 NA 12 $300,861 $225,559 $75,256 $46 $0
2nd Qtr/2002 15 12 $77,618 $39,890 $35,445 $2,283 $0
1st Qtr/2002 5 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 18 $165,187 $100,359 $61,723 $2,667 $438
2nd Qtr/2001 0 15 $113,142 $68,167 $35,485 $95 $9,395
1st Qtr/2001 19 15 $393,671 $248,210 $135,408 $3,691 $6,092
* Refer to graph in Report Summary section.

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.

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 $0 $0
LEASING CO. Oct 2003 $1,880 $460 $460 $0 $0 $0
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
Total $99,435 $88,015 $77,515 $5,500 $3,000 $2,000
*If less than 25 on file, they will all display.

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 $0
EQUIFAX COMMERCIAL Oct 2003 $2,555 $2,555 $2,555 $0 $0 $0
LEASING CO. Oct 2003 $1,880 $460 $460 $0 $0 $0
Total $99,435 $88,015 $77,515 $5,500 $3,000 $2,000
*If less than 10 on file, they will all display.

BANKING INFORMATION

This Bank Report was obtained on: Apr 19, 2002

Bank Name: BIG BANK OF CANADA
Bank Phone: (514) 555-5555
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
This Bank Report was obtained on: Jan 01, 2001

Bank Name: BANK NUMBER 2
This Bank Report was obtained on: Apr 13, 2000

Bank Name: BANK NUMBER 3
Current Account Opened: Jan 01, 1997
Current Account Balance: Low 6 figures
Returned Cheques: None
Line of Credit authorized: 8000 to 10000
Rating on Line of Credit:
Secured? By what?:
Loan Details
Loan Date: Not available
Loan Amount: High 5 figures
Still Owing: High 5 figures
Rating: Not available
Signing Officer(s): Not available
This Bank Report was obtained on: Apr 13, 2000

Bank Name: BANK NUMBER 4
This Bank Report was obtained on: Apr 12, 2000

Bank Name: BANK NUMBER 5
Current Account Opened: For more than 3 years
Current Account Balance: Low 5 figures
Returned Cheques: None, L3D
Signing Officer(s): Not available
This Bank Report was obtained on: Nov 09, 1998

Bank Name: OTHER BANK
Current Account Opened: For more than 3 years
Current Account Balance: Low 5 figures
Returned Cheques: None
This Bank Report was obtained on: May 14, 1998

Bank Name: BANK NUMBER 6
Current Account Opened: May 01, 1992
Current Account Balance: Medium 5 figures to High 5 figures
Returned Cheques: None
Current Account Opened: Jan 02, 1998
Current Account Balance: 40000 to 50000
Returned Cheques: 235, In the current month
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
Current Account Balance: Low 5 figures
Line of Credit authorized: 45000 to 50000
Utilization of Line of Credit:
Secured? By what?: Not available
Loan Details
Loan Date: Less than 1 year
Loan Amount: 50000 to 67000
Still Owing: Low 4 figures
Rating: Not available
Signing Officer(s): FILE TEST
JOHN TEST
2 signatures required

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.

A B C HOMES LTD., 11 GREENBRIER CRES, NORTH BAY, ON, L1H1H1
ABC HOMES LTD, 206, 2 ATHABASCA AVENUE, MONTREAL, QC, H1H1H1

DEROGATORY ITEMS

Information from the Office of the Superintendent of Bankruptcy

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:

Estate Information: MAISON ABC INC.
123 BL TEST EST SUITE 200
NORTH BAY, ON

Trustee Information: TRUSTEE TEST
TORONTO, ON
Licence Number: 99999

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.

Returned Cheques Reported
Cheque
Date		 Reported
Date		 Amount Reason Status Supplier