Frequently asked questions
About Business Express
Product related questions
Cost related questions
Who/what is Business Express
This is the new name for Experian – Riskdisk. Still providing the same great service and functionality.
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.
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.
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.
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.
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.
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.
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.
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.
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.
What is your credit score based on?
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.
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.
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.
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.
How many companies submit payment data to Experian?
6000 companies provide this data to us.
How many sole traders do you have on your database?
My credit report is wrong, who do I contact?
Contact Customer Support at Experian Business Express – email@example.com
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.
How quickly will I get email alerts?
Email alerts are sent several times throughout the day. Our website is constantly updated.
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.
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.
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.
Can I do a report on an overseas country?
Yes these are available on request at firstname.lastname@example.org
Call us: 0844 481 0028 or Click on the Live Chat link on our website.
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.
Can I purchase on a one-off basis?
We have a Pay-as-you-go service – www.experian.co.uk/business-check
Do you automatically renew us after a year?
We never automatically renew customers. We will call you to discuss your requirements.
How do I subscribe?
Contact us via the follow methods.
Call us: 0844 481 0028
Click on the Live Chat link on our website.