About Equifax Commercial Bureau

Equifax Commercial Bureau is a leading provider of business credit information, offering a suite of products that enable lenders, fintechs, and financial institutions to make informed credit decisions. Its robust commercial database includes millions of U.S. business profiles, combining trade credit, public records, firmographics, and financial payment trends. Equifax offers proprietary scores such as the Business Delinquency Score, which predicts the likelihood of severe delinquency, and the Business Failure Score, which estimates the probability of business closure within 12 months. In addition, the Equifax Commercial Insight Delinquency Score (CIDS) provides a dynamic risk assessment using trended data. These scores can be paired with detailed credit reports and payment indices to evaluate business creditworthiness, uncover early signs of distress, and reduce risk exposure. Equifax also offers industry segmentation, fraud mitigation, and identity verification tools that are essential for underwriting in today’s complex financial ecosystem.

Equifax Commercial Bureau – Summary

• Provides access to one of the largest U.S. commercial credit databases, covering millions of businesses across all industries.

• Offers Business Credit Reports that include trade payment history, public records (liens, judgments, bankruptcies), firmographic data, and financial stress indicators.

• Delivers proprietary risk scores, such as:

  • Business Delinquency Score – predicts the likelihood of a business becoming severely delinquent (91+ days) within the next 12 months.

  • Business Failure Score – assesses the probability that a business will cease operations with outstanding obligations in the next 12 months.

  • Commercial Insight™ Delinquency Score (CIDS) – uses trended data and behavioral analytics to provide a dynamic measure of delinquency risk.

• Supports segmentation and targeting by industry, size, geography, and credit behavior, ideal for risk-based pricing or marketing.

• Includes trended data analysis to reveal payment performance shifts over time, helping spot early signs of financial stress.

• Enables portfolio monitoring and alerts to track existing customers for risk changes, missed payments, or derogatory events.

• Offers fraud mitigation and identity verification tools to authenticate business identities and prevent synthetic or shell entity fraud.

• Integrated into many fintech, banking, and commercial lending platforms, making it a plug-and-play data source for underwriting engines.

• Helps automate and enhance small business lending decisions, especially in thin-file or under-documented cases.

For more information, please visit: www.equifax.com/business/commercial

Contact @ Equifax Commercial Bureau

Tim Cooke, Commercial Solutions Director | Email: tim.cooke@equifax.com