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Enhanced Commercial Credit Report
REPORT SUMMARY User Guide 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
Long Term Secured Debt is NOT included in the PI and CI calculation.
IMPORTANT REPORT HIGHLIGHTS
Recent Activity since Jan 01, 2003
No. 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, Judgments 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
Judgments
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 Trade Information Financial Trades Non-financial Trades
No. of Trades
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
Trade information older than 13 months are not considered
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 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 8
5. Number of derogatory items on file in the past 2 years is 8 8
6. The most recent derogatory item was recorded 3 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
Trades		 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
Trades		 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
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 References1
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
# - Indicates Long Term Secured Debt, which is NOT included in the PI and CI calculation.
1If less than 25 on file, they will all display.
== Indicates trades older than 13 months.

Ten LARGEST Credit References1
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
# - Indicates Long Term Secured Debt, which is NOT included in the PI and CI calculation.
1If less than 10 on file, they will all display.
Trade information older than 13 months are not considered.

BANKING INFORMATION

This Bank Report was obtained on: Apr 19, 2002
Bank Name: BIG BANK OF CANADA
MAIN BR - MONTREAL
Address: 1 PLACE VILLE MARIE
MONTREAL, QUEBEC, H3C3B5
Branch: 003, Transit: 00001
Reference: TEST 04202002
Phone: (514) 555-5555
Fax: (514) 666-6666
Account Type(s): CUR
Account Opened: For more than 3 years
Account Balance: Low 6 figures to Medium 6 figures
Returned Cheques: 25, In the last 3 months, NSF
Line of Credit Details
No Line of Credit
Loan Details
No Loans
This Bank Report was obtained on: Jan 01, 2001
Bank Name: BANK NUMBER 2
DUFFERIN AND APEX
Address: 3140 DUFFERIN ST
TORONTO, ONTARIO, M6A2T1
Branch: 004, Transit: 12962
Reference: Phone: (514) 555-5555
Close for Cause
This Bank Report was obtained on: Apr 13, 2000
Bank Name: BANK NUMBER 3
MAIN BR - BURNABY
Address: 4370 KINGSWAY
BURNABY, BRITISH COLUMBIA, V5H4G9
Branch: 003, Transit: 00320
Reference: N/ANT/LS
Phone: (604) 665-3804
Fax: (604) 717-4239
Account Type(s): CUR
Account Opened: 1997
Account Balance: Low 6 figures
Returned Cheques: None
Line of Credit Details
Credit Line Type(s): LGA
Line of Credit Date: Aug 10, 2000
Line of Credit authorized: $8,000 to $10,000
Rating on Line of Credit: NOT
Secured? By what?: ASS
Loan Details
Loan Type(s): Term loan
Loan Date: Not available
Loan Amount: High 5 figures
Still Owing: High 5 figures
Terms: Not available
Rating: Not available
Secured? By what?: Not available
Signing Officer(s): Not available
This Bank Report was obtained on: Apr 13, 2000
Bank Name: BANK NUMBER 4
THUNDER BAY BUSINESS SERVICES CENTRE
Address: 1159 ALLOY DR - STE 100
THUNDER BAY, ONTARIO, P7B6M8
Branch: 003, Transit: 03966
Reference: N/A FC/LS ACCT:N/A
Phone: (807) 343-1841
Fax: (807) 343-9228
No record
This Bank Report was obtained on: Apr 12, 2000
Bank Name: BANK NUMBER 5
Address: 2119, RUE DE SALABERRY
MONTREAL, QUEBEC, H3M1K8
Branch: 006, Transit: 01581
Reference: LYSANNE GIRARD\CBR\LS
Fax: (514) 271-5106
Account Type(s): CUR
Account Opened: For more than 3 years
Account Balance: Low 5 figures
Returned Cheques: None, L3D
Line of Credit Details
No Line of Credit
Loan Details
No Loans
Signing Officer(s): Not available
This Bank Report was obtained on: Nov 09, 1998
Bank Name: OTHER BANK
CALGARY - 6TH AVENUE S.W.
Address: 717-6TH AVE. S.W.
CALGARY, ALBERTA, T2P0T9
Branch: 219, Transit: 07109
Reference: Phone: (514) 444-4444
Account Type(s): CUR
Account Opened: For more than 3 years
Account Balance: Low 5 figures
Returned Cheques: None
Line of Credit Details
No Line of Credit
Loan Details
No Loans
This Bank Report was obtained on: May 14, 1998
Bank Name: BANK NUMBER 6
FLIN FLON BR
Address: 94 MAIN ST
FLIN FLON, MANITOBA, R8A1N3
Branch: 003, Transit: 01567
Reference: Phone: (204) 687-7551
Fax: (204) 687-8163
Number of Accounts: 8
Account Type(s): CUR
Account Opened: May 1992
Account Balance: Medium 5 figures to High 5 figures
Returned Cheques: None
Number of Accounts: 2
Account Type(s): CUR, SAV
Account Opened: Jan 02, 1998
Account Balance: $40,000 to $50,000
Returned Cheques: 235, In the current month, NSF
Account Type(s): USA
Account Opened: Less than 1 year
Account Balance: Low 5 figures to Medium 5 figures
Returned Cheques: None, In the last 3 months, NSF
Account Type(s): TER
Account Balance: Low 5 figures
Line of Credit Details
Line of Credit Date: Feb 15, 1995
Line of Credit authorized: $45,000 to $50,000
Utilization of Line of Credit: Not utilized
Secured? By what?: Not available
Loan Details
Loan Type(s): Term loan
Loan Date: Less than 1 year
Loan Amount: $50,000 to $67,000
Still Owing: Low 4 figures
Terms: Monthly, $345
Rating: Not available
Secured? By what?: Unsecured
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

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

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

Receiver Information: BANKRUPTCY RECEIVER TEST
TORONTO, ON,
License Number: 12345, 67890
This report limits the display of Derogatory items to a maximum of 10 in each category: returned cheques, collection claims, legal suits, judgment and other (non-derogatory) legal items.

Returned Cheques Reported
Cheque
Date		 Reported
Date		 Amount Reason Status Supplier
Oct 16, 1999 Oct 27, 1999 $100 NSF Now Certified Business Services
Comments:
May 23, 2002, TEST FILE MAISON ABC (DO NOT USE)
THIS IS A TEST FOR NSF COMMENTS

Collection Claims Reported
Debtor MAISON ABC Date Placed Aug 18, 2000
Creditor Amount Placed $1,000
Closed Amount Paid $1,000
Agency COLLECTRITE
Status Disputed Account Last Payment
Comments:
May 23, 2002, TEST FILE MAISON ABC (DO NOT USE)
THIS IS A TEST FOR CLAIM COMMENT

Legal Information - Suits
Type of Action Statement of Claim Date Filed Feb 03, 2003
Plaintiff TEST FILE Court Small Claims Court
Amount $50,000 Court Location Hamilton
Reason Damages Court File Number 01-4517
Defendant name as it appears in court document TEST FILE MAINSON ABC (DO NOT USE)
Type of Action Statement of Claim Date Filed Jan 02, 2001
Plaintiff TEST FILE Court SUPERIOR COURT
Amount $200,000 Court Location Rimouski
Reason Court File Number 11111111111
Defendant name as it appears in court document MAISON ABC INC
Type of Action Counter Claim Date Filed Jan 01, 2001
Plaintiff TEST FILE Court Provincial Court
Amount $0 Court Location Quebec
Reason Court File Number 333333333
Defendant name as it appears in court document DEF MANUAL TEST FILE
Type of Action Statement of Claim Date Filed Jan 01, 2001
Plaintiff TEST FILE Court Supreme Court
Amount $2,000 Court Location Ontario Government
Reason Court File Number 333333
Defendant name as it appears in court document MAISON ABC INC

Legal Information - Judgments
Type of Action Bailiff Sale Date Filed Jun 10, 1999
Plaintiff CITY OF TORONTO Court Ontario Court
Amount $30,000 Court Location Toronto
Reason Agreement of Sale Court File Number 77777
Defendant name as it appears in Court Document MAISON ABC INC.

Other Legal Information - These are not considered Derogatory
Type of Action Bill of Sale Date Filed Feb 02, 2000
Plaintiff CITY OF TORONTO Court Ontario Goverment
Amount $70,000 Court Location Toronto
Reason Account Court File Number 8999325
Defendant name as it appears in Court Document MAISON ABC INC
Comments:
May 23, 2002, TEST FILE MAISON ABC (DO NOT USE)
THIS IS A TEST FOR LEGAL COMMENTS

OTHER INFORMATION ON THIS BUSINESS

This section contains additional information on this business obtained by Equifax. This information is not included in our scoring models and is presented for your information.

Incorporation
Effective Date: Jan 12, 1990
Number: 12345678
Location: Provincial Charter, Ontario
Operation since: Jan 12, 1980
Comments: Apr 01, 2000, MAISON ABC INC
FICHIER CORPORATIF DU QUEBEC
DATE RAPPORTEE:3 DECEMBRE 1999
DATE D'IMMATRICULATION:4 JANVIER 2000.NOMBRES D'EMPLOYES:
AUCUN.DERNIERE DECLARATION ANNUELLE:26 MAI 1999.ADRESSE
DOMICILE:2006 BOUL. TEST, JONQUIERE,QC,H1H1H1.GENRE
D'AFFAIRE:EXPLOITATION BATIMENTS RESIDENTIELS ET DE LOGEMENT
Effective Date: Apr 12, 1997
Number: 12345678
Location: Provincial Charter, Ontario
Operation since:
Comments: Nov 03, 1999, MAISON ABC INC
FICHIER CORPORATIF DU QUEBEC: ADRESSE DOMICILE: 123,BL
TEST EST SUITE 200,MTL,PQ.DERNIERE DECLARATION
ANNUELLE: 1999/10/01
Mar 15, 1999, 1234467 ONTARIO INC
ONTARIO CORPORATE REGISTRY: REGISTERED ADDRESS:123,BLOOR ST,
TORONTO,ON,L5T2L4.LAST ANNUAL REPORT: 1999-01-15.
Premises
Date Reported: Apr 01, 2000
Description: Owned, Land Only
Address: 123 BL TEST EST SUIT 200, MONTREAL, PQ
Valuation Source: Officer of Company
Value: $75,000
Date Reported: Apr 01, 2000
Description: Owned, Buildings
Address: 123 BL TEST EST SUIT 200, MONTREAL, PQ
Valuation Source: Officer of Company
Value: $250,000
Date Reported: Nov 03, 1999
Description: Owned, Buildings
Address: 123 BL TEST EST SUITE 200 MTL PQ H1H1H1
Valuation Source: Officer of Company
Value: $1,000,000
Date Reported: Apr 16, 1999
Description: Rented,
Address: 123,BLOOR ST,TORONTO ON
Value: $0
Employees
Date Reported: Apr 01, 2000
Description: Part Time, 20
Finances
Date Reported: Jul 23, 2002
Description: Net Worth, $1,000,000
Date Reported: Jul 23, 2002
Description: Sales, $25,000,000
Date Reported: Apr 01, 2000
Description: Sales, $500,000
Date Reported: Apr 01, 2000
Description: Net Worth, $1,000,000
Date Reported: Apr 01, 2000
Description: A/P Amount, $50,000
Date Reported: Apr 01, 2000
Description: A/R Amount, $50,000
Date Reported: Nov 03, 1999
Description: Sales, $1,000,000
Date Reported: Nov 03, 1999
Description: Net Worth, $500,000
Date Reported: Nov 03, 1999
Description: A/R Amount, $50,000
Date Reported: Nov 03, 1999
Description: A/P Amount, $30,000
Assets
Date Reported: Apr 01, 2000
Description: Equipment, $1,000,000
Date Reported: Mar 15, 1999
Description: Equipment, $500,000
Date Reported: Apr 01, 2000
Description: ORDINATEURS, $500,000
Lien: BANQUE ROYALE, 1234 PAPINEAU MONTREAL, PQ
Date Reported: Apr 01, 2000
Description: Inventory, $100,000
Date Reported: Mar 15, 1999
Description: Inventory, $400,000
Date Reported: Apr 01, 2000
Description: PAPIERS, $25,000
Lien: AUCUN,
Officers/Owners
Date Reported: Apr 01, 2000
Contact: JOHN TEST, President , Share: 100%
Address: 123 BL TEST EST SUIT 200 MONTREAL, PQ, H1H 1H1
Other Comments
  • May 23, 2002, TEST FILE MAISON ABC (DO NOT USE) THIS IS A TEST FILE FOR ADDITIONNEL COMMENTS

INQUIRIES ON THIS FILE

An inquiry is registered when a report on this business is ordered by an Equifax Customer. Few or no inquiries may indicate that a business is not an active credit seeker. Numerous inquiries indicate that the business is an active credit seeker. Equifax does not use this information to compute its risk scores.

However, you may want to consider the following in you review:
  • Do the number of inquiries seem appropriate for a business that size?
  • Is this business shopping around for better supplier arrangements?
  • Are they having problems paying their current suppliers and looking for credit from others unaware of their problems?
  • Are they expanding, moving locations or opening another office?
  • Are their current suppliers not meeting their current needs?

    • The most recent inquiries in the past 24 months are listed here:
    Inquiry Date Inquirer's Name/Industry Telephone Number
    Jan 06, 2004 ABC CO. (416) 555-5555
    Dec 17, 2003 TEST CO. (416) 555-5555
    Dec 17, 2003 Whl-Lumber (416) 555-5555
    Dec 17, 2003 SVCS-Business (416) 555-5555
    Dec 15, 2003 MFR-Lighting Pdts (416) 555-5555

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    416-227-8800.

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    End of Report

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