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ACME CO Experian FILE NO: 016557889 |
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123 MAIN ST Experian FILE ESTABLISHED: JAN. 1977 |
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ANYTOWN, USA SIC NO: 3231 |
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PHONE: 215-555-2500 BUS: PRODUCTS OF PURCHASED GLASS |
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EXECUTIVE SUMMARY |
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----------------- |
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DAYS BEYOND TERMS (DBT) FOR ACME CO |
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AS OF 06-26-96 : 0 |
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PREDICTION : 1 CONFIDENCE SCORE EQUALS A 98% PROBABILITY THAT |
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THE DBT OF THIS COMPANY WILL BE 30 OR LOWER BY |
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08/25/96 |
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DBT NORMS |
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CLAY/GLASS/CONCRETE: 9 |
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ALL INDUSTRIES: 8 |
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HISTORICAL PAYMENT GUIDE |
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6 MONTH ACCOUNT BALANCE RANGE : $4400-$8900 (CURRENT TOTAL: $8900) |
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HIGHEST CREDIT AMOUNT EXTENDED: $8800 (MEDIAN: $600) |
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INDUSTRY PAYMENT COMPARISON : HAS PAID SOONER THAN 50% OF RELATED FIRMS |
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PAYMENT TREND INDICATION : IMPROVING TOWARD TERM REQUIREMENTS |
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SIGNIFICANT PUBLIC RECORD DATA: |
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NONE REPORTED |
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TRADE PAYMENT INFORMATION |
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TRADE PAYMENT EXPERIENCES |
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(TRADE LINES WITH AN {*} AFTER DATE REPORTED ARE NEWLY REPORTED) |
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RECENT ------ ACCOUNT STATUS ------ |
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HIGH -DAYS PAST DUE- |
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BUSINESS DATE LAST PAYMENT CREDIT BALANCE 1- 31- 61- |
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CATEGORY REPTD SALE TERMS $ $ CUR 30 60 90 91+ COMMENTS |
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---------- ----- ----- ------- -------- -------- --- --- --- --- --- --------- |
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+AIR TRANS 03-96 04-96 NET 30 200 200 100% |
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BUS SERVCS 03-96* NET 30 0 |
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CONSTRUCTN 04-96* NET 30 0 CUST 3 Y |
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CONTRL DEV 05-96 VARIED 700 0 |
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+DISTRIBUTR 04-96 NET 30 200 100 100% CUST 6 Y |
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------------------------------ -------- -------- --- --- --- --- --- --------- |
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TRADE LINE TOTALS( 5): 1100 300 99% 1% DBT: 0 |
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ADDITIONAL PAYMENT EXPERIENCES |
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(INCLUDES NON-TRADE ACCOUNTS PLUS PREVIOUSLY REPORTED TRADE LINES) |
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---------- ----- ----- ------- -------- -------- --- --- --- --- --- --------- |
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AUTO RENTL 09-95 08-95 N30 1300 0 CUST 5 Y |
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+BUS SERVCS 10-95 NET 30 400 400 100% |
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INDUS SUPL 12-95 VARIED 100 0 CUST 4 Y |
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PAYMENT TOTALS |
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RECENT ------ ACCOUNT STATUS ------ |
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HIGH -DAYS PAST DUE- |
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CREDIT BALANCE 1- 31- 61- |
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$ $ CUR 30 60 90 91+ COMMENTS |
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------------------------------- -------- -------- --- --- --- --- --- --------- |
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CONTINUOUSLY REPORTED( 3): 800 300 97% 3% DBT: 0 |
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NEWLY REPORTED( 2): 300 0 100% DBT: 0 |
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------------------------------- -------- -------- --- --- --- --- --- --------- |
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COMBINED TRADE LINE TOTALS( 5) 1100 300 99% 1% DBT: 0 |
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PAYMENT TRENDS |
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(BASED ON CONTINUOUSLY REPORTED TRADE LINES) |
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-DAYS PAST DUE- |
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BALANCE 1- 31- 61- |
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DBT $ CUR 30 60 90 91+ |
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--- -------- --- --- --- --- --- |
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AS OF 06-26-96: 0 300 97% 3% |
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05-01-96: 3 4500 82% 18% |
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04-01-96: 0 3300 98% 2% |
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03-01-96: 4 1900 76% 24% |
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02-01-96: 8 6900 44% 56% |
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01-01-96: 9 6400 42% 58% |
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12-01-95: 6 8200 57% 43% |
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PAYMENT HISTORY--QUARTERLY AVERAGES |
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(BASED ON CONTINUOUSLY AND NEWLY REPORTED TRADE LINES) |
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-DAYS PAST DUE- |
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BALANCE 1- 31- 61- |
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DBT $ CUR 30 60 90 91+ |
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--- -------- --- --- --- --- --- |
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1ST-Q-96 (JAN-MAR): 1 3200 93% 7% |
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4TH-Q-95 (OCT-DEC): 1 7200 87% 13% |
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3RD-Q-95 (JUL-SEP): 0 17300 100% |
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2ND-Q-95 (APR-JUN): 6 8100 57% 41% 2% |
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1ST-Q-95 (JAN-MAR): 1 37500 96% 3% 1% |
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PUBLIC RECORD INFORMATION |
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UCC PROFILE |
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UCC-FILED: 06-22-95 16361158 |
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SECURED PTY: TENNEY ENGINEERING INC , NJ 07083 |
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COLLATERAL: UNDEFINED |
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INFORMATION HEREIN IS FURNISHED IN CONFIDENCE FOR YOUR EXCLUSIVE USE |
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FOR LEGITIMATE BUSINESS PURPOSES AND SHALL NOT BE REPRODUCED. NEITHER |
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Experian INC., STANDARD & POORS CORPORATION, NOR THEIR SOURCES OR |
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DISTRIBUTORS WARRANT SUCH INFORMATION NOR SHALL THEY BE LIABLE FOR |
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YOUR USE OR RELIANCE UPON IT. |
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COPYRIGHT(C) 1996 EXPERIAN INFORMATION SOLUTIONS |
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Glossary of Experian Terms and Abbreviations: |
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|
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The following is a glossary of terms and abbreviations used in Experian Business Credit |
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Profiles. The terms are arranged in the order they appear on the credit report. |
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EXECUTIVE SUMMARY |
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Included as part of reports on companies with at least five active |
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current trade lines. This section identifies key elements from the |
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body of the report and includes: |
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DAYS BEYOND TERMS (DBT) - Estimates number of days late a firm takes |
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to pay its bills at date of inquiry and predicts DBT for the next |
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60 days. |
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HIGHEST CREDIT AMOUNT EXTENDED - Largest individual amount of credit |
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extended to the firm in the past 12 months and the median amount. |
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COMPARISON of this company's performance to others in the same |
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industry. |
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PAYMENT TREND INDICATION - Analysis of the firm's payment behavior |
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during the past six months. |
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SIGNIFICANT PUBLIC RECORD DATA - Summary of significant public record data. |
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TRADE PAYMENT INFORMATION |
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Trade payment information may be divided into two categories where |
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sufficient trade data is available: TRADE PAYMENT EXPERIENCE |
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(reported within last 90 days) and ADDITIONAL PAYMENT EXPERIENCES |
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(including non-trade account and trade account older than 90 days.) |
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TRADE LINES - Line items are trade credit experiences that summarize |
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and age all open invoices debits and credits within an account |
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receivable system. |
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BUSINESS CATEGORY - Industry group classification of contributors of |
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information. |
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DATE REPORTED - Month and year data was extracted from contributor's |
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accounts receivable system. |
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DATE LAST SALE/ACTIVITY - Month and year of most recent sale to or |
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other activity with report subject. |
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TERMS - Actual payment terms are displayed if reported. Broad terms |
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are also reported, as follows: |
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-- DISC -- If contributor offers discount terms for each |
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invoice on the same account. |
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-- NET -- If contributor offers net terms for each |
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invoice on the same account. |
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-- VARIED -- If contributor offers both discount and net |
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terms on the same account. |
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-- (blank) -- If contributor is unable to report payment |
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terms. |
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RECENT HIGH CREDIT - Highest account balance within previous |
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twelve-month or lesser period rounded to nearest $100. |
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ACCOUNT STATUS - Reflects account balance and aging of that balance |
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as of the date reported. |
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-- ACCOUNT BALANCE - Dollar sum of all current and past |
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due amounts rounded to nearest $100. |
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-- CURRENT - Percentage of Account Balance not past due |
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on date reported. |
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-- DAYS BEYOND TERMS - Percentage of Account Balance |
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beyond terms in categories: 1-30 days; 31-60 days; 61-90 |
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days; 91 + days. |
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AMOUNTS - All dollar amounts shown are rounded to nearest |
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one-hundred except; |
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-- Amounts greater than $100,000, $200,000, $300,000, |
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$400,000, or $500,000 will be retained in the file |
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but may be shown, if elected by the contributor, as + 100000, |
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+ 200000, + 300000, + 400000, or + 500000, respectively. |
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-- Amounts preceded by < indicates less than that amount. |
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-- Amounts preceded by > indicates more than that amount. |
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-- Paid accounts are shown with zero balance when that |
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information is available. |
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PERCENTAGES - All percentages are rounded to nearest whole percentage |
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as derived from actual dollar amounts owing. When the sum of the Days |
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Beyond Terms percentages is less than 5% on a line item, the account |
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will be reported 100% current. However, percentages in Current Reported |
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Totals and Prior Reported Months show exactly as calculated. |
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COMMENTS are displayed, if reported. Some comments are self-explanatory. |
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Others include: |
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ADS ___ = average number of days paid slow or the average |
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number of days invoices are paid beyond terms |
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ADV TREND = adverse trend |
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BOND SATIS = credit extended has been satisfactorily |
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bonded |
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CIA = cash in advance |
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CIA-OUR REQ = cash in advance -- our request |
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DDWA = dollar days weighted average or the average |
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number of days beyond terms invoices are paid |
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weighted by the dollar amount of the invoices |
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involved (historical or current) |
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ERN DISC = earned discount taken |
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UNR DISC = unearned discount taken |
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EXC DISC - excessive discount taken |
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DISPUTE - disputed invoice |
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FLOOR PLAN = floor plan method of inventory |
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financing |
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HLDG-ORD = holding orders |
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JOB COMPLET = payment upon job completion |
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LEGAL = legal involvement |
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NOTE = pays by note |
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NSG = not sufficient funds |
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PROD COMPL = product complaint |
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RFC = refused to grant further credit |
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REF FIN CHG = refused to pay finance charge |
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RETENTION = funds contractually withheld for |
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a stipulated period of time as security for |
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performance |
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SPEC TERMS = special terms |
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TRD-ACPT = trade acceptance, instrument acknowledging |
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the debt |
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UNFL-ORD = unfilled orders |
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X-DEDUCT = unauthorized deductions taken |
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PAYMENT TREND |
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Percentage of prior account balance totals that were |
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current and beyond terms for each 30 day interval (30, 60 |
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....to 180 days, respectively) from the date of the report. |
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This section combined with the status shown in the current |
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trade line total will reflect any payment performance trend. |
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EXPERIAN QUARTERLY CREDIT PATTERN |
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A summary of all the trade experiences reported to Experian on |
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report subject within each of the five calendar quarters |
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shown. Especially useful for identifying seasonality. |
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EXPERIAN CURRENT PAYMENT GUIDE |
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A brief summary of three key elements contained in the Experian |
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Business Profile Report that services as a DECISION GUIDE. |
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It reflects the sum of all account balances, the overall |
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payment performance and the payment trend. |
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BANK INFORMATION |
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Indicates name and address of bank and, where available, |
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banking relationship with report subject. |
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SUMMARY BUSINESS DATA |
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The following information is reported on many business |
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establishments: "Product/service lines, sales, market |
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share, number of employees, parent affiliation and |
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ownership." This information is obtained from a source |
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believed to be reliable, but has not been verified with the |
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subject of this report. |
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INQUIRIES |
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All inquiries made on report subject within last 90 days. |
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Business category of inquirer may appear, or ASSOC when |
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NACM association makes an inquiry for its members. NEW |
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CUSTOMER appears after INQUIRY if inquirer indicates |
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subject is a new customer. ACCOUNT MONITOR appears if an |
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account monitor report has been generated in the past 90 days. |
