Experian Business Express

Frequently Asked Questions

How do I subscribe?

Contact us via the following methods

Contact form

Call us: 0844 481 0030

Click on button below to start Live Chat

Frequently asked questions

About Business Express

Who or what is business Express?

Why is Experian Business Express different?

Where do you get your information from?

What is included in a credit report?

How up to date is your information?

Product related questions

Where do you get the financial numbers from?

Why can I sometimes not view the turnover and pre-tax profit on a company?

Why is there more information on some companies other than others?

Why should I credit check?

How do I know how much credit to give a business, what should I look for?

What is your credit score based on?

What is the difference between a credit limit and a credit score?

Why do some companies have no credit limit?

How do you decide what amout on credit to give?

What is Payment Performance information?

How many companies submit payment data to Experian?

How many sole traders do you have on your database?

My company report is wrong, who do I contact?

How likely is it that your credit reports will alert us to problems before a company goes into administration?

How quickly will I get email alerts?

How do you get adverse information quicker than others?

Am I able to look at signed accounts from directors?

How do I print credit reports?

Can I do a report on an overseas country?

Cost related questions

How much does it cost?

Can I purchase on a one-off basis?

Do you automatically renew us after a year?

How do I subscribe?

 

 

About Business Express

Who/what is Business Express

This is the new name for Experian – Riskdisk. Still providing the same great service and functionality.

Back to top

Why is Experian Business Express different?

Business Express is a single sign on portal that combines and updates our Riskdisk credit and B2BListBuilder marketing tools and provides a platform that will enable us to deliver a range of other products from Experian’s vast portfolio.

Back to top

Where do you get your information from?

We source data from Companies House, the London, Edinburgh and Belfast Gazette’s, Registry Trust Ltd, business directories; we constantly scan media and other sources for insolvencies and we have 30,000 business users who provide us with alerts and information. All this can add up to over 100,000 data updates every day and enables us to produce accurate, up-to-date credit reports on registered and non-registered business in the UK, accessible 24/7.

Back to top

What is included in a credit report?

Full details from the last 3 sets of accounts filed, details of the directors and shareholders, any adverse data like court actions or worse, identity history, search history and the Business Express credit score and limit. Plus, details of the number of days-beyond-terms it takes the business to pay invoices.

Back to top

How up-to-date is your information?

We process and publish information as soon as we receive it, so our products are as up to date as possible. We also proactively source, update and correct information throughout the day.

Back to top

 

Product related questions

Where do you get the financial numbers from?

Financial data is taken from the accounts filed at Companies House and analysed by our Experian experts.

Back to top

Why can I sometimes not view the turnover and pre-tax profit on a company?

Small companies with a turnover of £6.5 million are exempt from filing these figures – if they file them we publish them.

Back to top

Why is there more information on some companies than on others?

If they’ve filed full accounts as opposed to abbreviated accounts, there is more data to capture.

Back to top

Why should I credit check?

Minimise the risk of bad debt, improve cash flow, offer the right amount of credit and take action against late payers.

Back to top

How do I know how much credit to give a business, what should I look for?

Our reports are concise and user friendly. They will provide an ‘easy to view’ suggested credit limit.

Back to top

What is your credit score based on?

Our credit score will take into consideration numerous factors including size and age of business, industry sectors, CCJ’s and bankruptcies.

Back to top

What is the difference between a credit limit and a credit score?

A credit limit represents the maximum recommended credit exposure at any point in time.

A credit rating is typically the level of credit that might be required by a company, from one of its suppliers, over a 30-day trading period.

Back to top

Why do some companies have no credit limit?

It depends on their status and what type of accounts they’ve filed, i.e. non trading/dormant accounts. It could also indicate there is adverse information.

Back to top

How do you decide what amount of credit to give?

Our risk assessment will give a summary of the reason for the suggested credit limit.

Back to top

What is Payment Performance information?

This provides sales ledger information on how a business is paying its suppliers.  Payment Performance providers will come from all industries including telecommunications, utilities and banks to name a few.

Back to top

How many companies submit payment data to Experian?

6000 companies provide this data to us.

Back to top

How many sole traders do you have on your database?

7.5 million

Back to top

My credit report is wrong, who do I contact?

Contact Customer Support at Experian Business Express – ebe.info@experian.com

Back to top

How likely is it that your credit reports will alert us to problems before a company goes into administration?

We receive data from several sources. Any adverse data is uploaded to our website regularly throughout the day. By adding companies you trade with to your monitoring list you can get email alerts as soon as new data is received and decide if you need to review the credit you are currently extending to them.

Back to top

How quickly will I get email alerts?

Email alerts are sent several times throughout the day. Our website is constantly updated.

Back to top

How do you get adverse information quicker than others?

We manually input and upload to our website Administrations/winding ups from the Gazettes within minutes of it being released.

Back to top

Am I able to look at signed accounts from directors?

Yes – scanned copies of the original document filed with Companies House are available for download from the ‘Documents’ tab within the company report.

Back to top

How do I print credit reports?

Select from the printed report options in the top right, customise the sections you want to and click print.

Back to top

Can I do a report on an overseas country?

Yes these are available on request at  ebe.info@experian.com

Call us: 0844 481 0028 or Click on the Live Chat link on our website.

Back to top

 

Cost related questions

How much does it cost?

Our packages vary in cost depending on the type of product, usage and level of detail required.  For more information or to arrange a demonstration of any of our services please contact us: 0844 481 0028 or click the 'Live Chat' link at the top of this page.

Back to top

Can I purchase on a one-off basis?

We have a Pay-as-you-go service – www.experian.co.uk/business-check

Back to top

Do you automatically renew us after a year?

We never automatically renew customers. We will call you to discuss your requirements.

Back to top

How do I subscribe?

Contact us via the follow methods.

Email: ebe.info@experian.com

Call us: 0844 481 0028

Click on the Live Chat link on our website.

Back to top

 

  • © 2014 Experian. All rights reserved