D&B's consumer credit reports provide a range of data elements. By clicking on the links below you will be able to view detailed information about each of the data elements available, including: the risk indicator, the benefit and the type of report in which this element is available:
- Personal details
- Address details
- Judgements
- Bankruptcy notices
- Summonses
- Other public record notices
- Commercial payment defaults
- Consumer payment defaults
- Serious credit infringements
- File notes
- Past enquiries for consumer credit
- Past enquiries for commercial credit
- Current directorships
- Previous directorships
- Bureau application score
- Customised credit decisioning response
- Score graph
Personal details
| Risk indicator | Have they provided enough personal information to obtain their credit file? |
| Report information | List of the personal details of the individual: Full Name, Gender, Date of Birth, Driver's licence number (AU Only) |
| Benefit | Assists you in identifying an individual and in verifying their most up to date personal details without the need for documentary proofs. |
| Available in reports |
Address details
| Risk indicator | At which address should I chase any late payment? |
| Report information | List of address details of the individual: Current Residential Addresses, and the individual's last 2 Previous Residential Addresses where available. All addresses are checked against the Australia Post Postal Address File (AU Only) |
| Benefit | Enables you to locate and backtrack an individual's residence. |
| Available in reports |
Judgements
| Risk indicator | Are they going to default on the credit I will extend to them? |
| Report information | List of Judgements (court acts creating or affirming an obligation, such as a debt) against the individual over the last 5 years (the amount, the court name and the plaintiff's name). |
| Benefit | Enables you to understand if an individual has experienced extreme credit issues in the past and that he/she is more likely to default on credit obligations again in the future. |
| Available in reports |
Bankruptcy notices
| Risk indicator | Are they going to default on the credit I will extend to them? |
| Report information | List of bankruptcies (having been legally declared financially insolvent) against the individual over the last 7 years (the court name and the proceedings reference number). |
| Benefit | Enables you to understand if an individual has experienced extreme credit issues in the past and that he/she is more likely to default on credit obligations again in the future. |
| Available in reports |
Summonses (AU only)
| Risk indicator | Are they going to default on the credit I will extend to them? |
| Report information | List of Summonses (order to appear in court) against the individual over the last 3 years (the amount, the court name and the plaintiff's name). |
| Benefit | Enables you to understand if an individual has experienced extreme credit issues in the past and that he/she is more likely to default on credit obligations again in the future. |
| Available in reports |
Other public record notices (AU only)
| Risk indicator | Can they afford to take additional credit from me? |
| Report information | List of public record notices such as crop liens, wool liens, fruit liens, bills of sale, stock mortgages, goods mortgage. |
| Benefit | Enables to understand if the individual has additional credit obligations that they also need to meet. |
| Available in reports |
Commercial payment defaults
| Risk indicator | Have they defaulted on credit obligation in the past? |
| Report information | List of commercial payment defaults against the individual (the amount, the date, the type, the credit provider and if the debt is still outstanding) over the last 5 years. |
| Benefit | Enables you to see if an individual has defaulted on a commercial credit obligation in the past, and if so, have they now settled it. It also indicates that they are more likely to default on a credit obligation in the future. Can be used as a policy rule to decline service, severely restrict service or require upfront payment to individuals. |
| Available in reports |
Consumer payment defaults
| Risk indicator | Have they defaulted on credit obligation in the past? |
| Report information | List of consumer payment defaults against the individual (the amount, he date, the type, the credit provider and if the debt is still outstanding) over the last 5 years. |
| Benefit | Enables you to see if an individual has defaulted on a consumer credit obligation in the past, and if so, have they now settled it. It also indicates that they are more likely to default on a credit obligation in the future. Can be used as a policy rule to decline service, severely restrict or require upfront payment to individuals. |
| Available in reports |
Serious credit infringements
| Risk indicator | Are they going to avoid paying any future debt that is owed to me? |
| Report information | List of credit infringements (failure of paying a debt by fraudulently evading their obligation in relation to the debt) against an individual in the last 7 years. |
| Benefit | Enables you to see if an individual has avoided paying their credit obligations in the past and it indicates that they are more likely to default on a credit obligation in the future. |
| Available in reports |
File notes
| Risk indicator | Have they been delinquent paying debts in the past? |
| Report information | List of files notes requested by an individual (placement of notation on their credit file with respect to their credit history or personal details). |
| Benefit | The presence of a file note will assist in understanding more detail about the individual's credit history e.g. the file note may provide details of a disputed default or of fraudulent use of the individual's personal details. |
| Available in reports |
Past enquiries for consumer credit
| Risk indicator | Are they over committed on personal debt? |
| Report information | List of consumer credit enquiries previously undertaken on an individual (company name, enquiry reason and date) in the last 5 years. |
| Benefit | Enables you to gauge if the individual is either in a financial situation where he needs a lot of personal credit, or is planning to take on a large personal debt. |
| Available in reports |
Past enquiries for commercial credit
| Risk indicator | Are they over committed on commercial debt? |
| Report information | List of commercial credit enquiries previously undertaken on an individual (company name, enquiry reason and date) in the last 5 years. |
| Benefit | Enables you to gauge if the individual is either in a financial situation where he needs a lot of commercial credit, or is planning to take on a large commercial debt. |
| Available in reports |
Current directorships (AU only)
| Risk indicator | Does the individual have financial responsibilities as a director of another company? |
| Report information | List of the company name/s and company status (registered or deregistered) that the individual is currently a director of. |
| Benefit | Enables you to understand the other company boards that the individual is currently a director of and therefore their additional responsibilities to the other companies and whether these companies are under external administration. |
| Available in reports |
Previous directorships (AU only)
| Risk indicator | Was the director previously involved in a failed company? |
| Report information | List of the company name/s and company status (registered or deregistered) that the individual was previously a director of. |
| Benefit | Enables you to understand the other company boards that the individual was previously a director of. |
| Available in reports |
Bureau application score
| Risk indicator | Are they likely to default on their credit obligation in the next 2 years? |
| Report information | Provides a statistically based score that blends applicant data and bureau data. The score is driven by positive and negative data such as Residential Status, Occupation, Time in Current and previous Addresses, Number of Credit Cards, adverse data. The score shows the probability of an individual defaulting on payment of the credit being applied for within the next 2 years. |
| Benefit | Enables users (e.g. Telecom, Utilities, Pay TV and Small finance companies in need of a scorecard) objective and consistent credit decisions to reduce credit risk. |
| Available in reports |
Customised credit decisioning response
| Risk indicator | Should I extend or reduce my credit exposure to this individual? |
| Report information | Provides an automated credit decision that is fully tailored to meet the specific credit policies of your business. |
| Benefit | Reduces processing time and provides consistency in decision making across your entire organisation. |
| Available in reports |
Score graph
| Risk indicator | Should I extend or reduce my credit exposure to this individual? |
| Report information |
Graphical representation of the score using bands from -323 to 500. |
| Benefit | Enables you to easily interpret the Bureau Application Score or the customised credit decision. |
| Available in reports |
