Canada Business Credit Report
Sample International Credit Report

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International Business Credit Report
Supplied onJuly 23rd, 2017
Identification Details
                                  EQUIFAX
                          COMMERCIAL CREDIT REPORT


BERSHWICK ENTERPRISE INC
11 ALLSTATE PKY  SUITE 110                    REPORT DATE      : FEB 02, 2007
MARKHAM, ON                                   FILE OPENED      : AUG 19, 1998
L3R9T8
                                              FILE NUMBER      : 0035199454
TELEPHONE  : 888-555-4499                     SUBJECT NUMBER   : HK4068
                                              REFERENCE NUMBER :
                                              REQUESTOR ID     :


                            * * * SUMMARY * * *
                                                   CREDIT INFO  SCORES  PAYMENT
1     TRADE SUPPLIERS   OWED        184            *    10     CURRENT    NA  *
3RD PERIOD PAST DUE     OWED          0  OR   0%   *    18     4Q2006     NA  *
CURRENT                 OWED          0  OR   0%   *    14     4Q2005     NA  *
HIGHEST CREDIT          RPTD        184            *    20     4Q2004      0  *


RETURNED CHEQUES .....     0 FOR        0  LAST RETURNED CHEQUE ..
COLLECTION CLAIMS ....     0 FOR        0  LAST CLAIM ............
LEGAL SUITS ..........     0 FOR        0  LAST LEGAL SUIT .......
JUDGMENTS ............     0 FOR        0  LAST JUDGMENT .........
OTHER ITEMS ..........     0 FOR        0  LAST OTHER ITEM .......

CREDIT INFO SCORE BECOMES 70 WHEN DATA IS RECEIVED FROM THE SUPT OF BANKRUPTCY
DATA IS PURGED AT 5 YEARS. THE CI SCORE IN THE TREND SECTION IS NOT AFFECTED.


                          * * * TRADE ITEMS * * *
------------------------------------------------------------------------------
SUPPLIER'S NAME/INDUSTRY  TERMS AMOUNT/PAY HABITS/COMMENTS
 RPTD  OPEN    CREDIT  CREDIT    HIGH    TOTAL  CURRENT   PAST DUE/PAY PERIOD
 DATE  DATE    LIMIT  LIMIT DT. CREDIT   OWING     $       1ST     2ND     3RD
------------------------------------------------------------------------------
WHOLESALE-ELEC EQUIP:
*AUG                0              184     184       0     184       0       0
                               ------- ------- ------- ------- ------- -------
P.I. =  33           TOTAL         184     184       0     184       0       0
                     REPORTED  ------- ------- ------- ------- ------- -------

NOTE: * INDICATES THE DATA WAS SUPPLIED BY AN ACCOUNTS RECEIVABLE SUBMISSION.

NOTE: # INDICATES LONG TERM SECURED DEBT, WHICH IS NOT INCLUDED IN THE PI AND
      CI CALCULATION.

IN SOME SITUATIONS, PAYMENTS BEYOND TERMS CAN BE A RESULT OF MISPLACED
INVOICES OR DISPUTED ACCOUNTS.


                         * * * PAYMENT TRENDS * * *
------------------------------------------------------------------------------
          PAYMENT  C.I.  NUMBER OF  TOTAL   CURRENT             OVERDUE
QUARTERS   INDEX  SCORE  SUPPLIERS  OWING      $         1ST      2ND      3RD
------------------------------------------------------------------------------
4 QTR/2006  NA      18         0        0         0        0        0        0
3 QTR/2006  33      15         1      184         0      184        0        0
2 QTR/2006  NA      14         0        0         0        0        0        0
1 QTR/2006  NA      14         0        0         0        0        0        0
4 QTR/2005  NA      14         0        0         0        0        0        0
3 QTR/2005   0      14         1    1,812     1,812        0        0        0
2 QTR/2005  NA      14         0        0         0        0        0        0
1 QTR/2005   0      14         1      380       380        0        0        0
4 QTR/2004   0      20         2    5,720     5,720        0        0        0


                       * * * BANKING INFORMATION * * *

REPORTED ON: 748408 ONTARIO INC/CMS HARDWARE CANADA

DATE: 2004/11/04                                   FILE NUMBER: 0027218814
                                                   SUBJECT NUMBER: EJ8557
CANADIAN IMPERIAL BANK OF COMMERCE
300 WEST BEAVER CREEK RD SUITE 201
SUITE 201-300 WEST BEAVER CREEK RD
RICHMOND HILL, ONTARIO, L4B3B1
BRANCH: 010, TRANSIT: 03742
REF. PHONE: (905) 886-8668                REF. FAX: (905) 886-8722

THE BANKER REQUIRES AN ACCOUNT NUMBER.

** ** BANK INFORMATION UPDATES ARE AVAILABLE AT A REASONABLE COST - TEL.
1-800-567-2370 ** **


               * * * OTHER FILES INCLUDED IN THIS REPORT * * *

748408 ONTARIO INC.                                FILE NUMBER    : 0027218814
11 ALLSTATE PKY  SUITE 110                         SUBJECT NUMBER : EJ8557
MARKHAM, ON  L3R9T8

748408 ONTARIO INC                                 FILE NUMBER    : 0070506491
11 ALLSTATE PKY  SUITE 110                         SUBJECT NUMBER : WU3800
MARKHAM, ON  L3R9T8


                        * * * RECENT INQUIRIES * * *

FEB 02, 2007  BANK
JAN 19, 2006  BUSINESS SERVICES
FEB 08, 2005  WHLSL-ELECTRONIC PTS


                    * * * CREDIT INFORMATION SCORE * * *

THE CURRENT CREDIT INFORMATION SCORE IS THE TOTAL OF THE FOLLOWING FACTORS:

YEARS ON FILE                             0-1  1.1-2  2.1-4  4.1-9   9.1+
   SCORE ................................  10      8      6      4     0  =  0
CURRENT PAYMENT INDEX                      51+ 41-50  31-40  21-30  0-20
   SCORE ................................  10      7      5      4     0  =  0
NUMBER OF TRADE PAYMENT REFERENCES        0-1    2-3    4-6   7-10    11+
   SCORE ................................  10      8      5      3     0  = 10
LAST QTR, PI VS SAME QTR, LAST YEAR        41+ 21-40  11-20   6-10   0-5
   SCORE ................................  10      8      6      4     0  =  0
NUMBER OF NEGATIVE OCCURRENCES             10+   8-9    5-7    2-4   0-1
   SCORE ................................  10      8      5      3     0  =  0
LAST NEGATIVE OCCURRENCE (MONTHS)         1-2    3-4    5-6   7-12    12+
   SCORE ................................  10      7      4      3     0  =  0
AMT. NEG. OCC, AS % OF CURRENT OWED       100% 51-99% 11-50%  1-10%    0%
   SCORE ................................  10      8      5      2     0  =  0

                                                 CREDIT INFORMATION SCORE = 10

CREDIT INFORMATION SCORE = CI
7 RISK ELEMENTS IN EVERY CREDIT REPORT ARE RATED BETWEEN 0 AND 10.  ADDED
TOGETHER, THESE 7 RATINGS ARE THE "CI SCORE" WHICH RANGES BETWEEN 0 AND 70.
THE HIGHER THE NUMBER, THE HIGHER THE RISK. A SCORE LESS THAN 10 MEANS A
LOWER RISK, WHILE A SCORE ABOVE 30 IS A HIGHER RISK.

PAYMENT INDEX = PI
THE PI IS THE AVERAGE NUMBER OF DAYS BEYOND THE PAYMENT DUE DATE FOR ALL
ACCOUNTS. AN AVERAGE PI IS 22. A PI OF 0 MEANS ALL SUPPLIERS ARE PAID WITHIN
TERMS. A PI OF 100 MEANS ALL SUPPLIERS ARE IN THE 3RD PERIOD PAST DUE.

------------------------------------------------------------------------------
****
                            END OF REPORT                                     
Explanation of The Credit Info Score and Payment Score
(Both contained in the Summary Section of this Report)
A Canadian company's CREDIT INFO SCORE can range from 0-70, details as follows;
C.I. Range: Risk Factor
0 - 11 Minimal
12 - 23 Average
24 - 35 Marginal
36 - 47 High
48 - 59 Very High
60 - 70 Poor
PAYMENT SCORE
A Canadian company's Payment Score can range from 0 - 100. the closer the score is to "Zero", the better it pays its suppliers.
The score is similar to days-beyond-terms. Someone with a score of 60 would be paying their bills at approximately 90 days, which is when many companies traditionally start placing their accounts for collection. Analysis shows that Canadian businesses pay their bills within approximately 54 days on average. This would translate into a Payment Score of 24. Fifty percent of all Payment Scores are under 20 and seventy five percent under 30. When a company reaches a Payment Score of 40 one would expect to see collection claims being placed. A Payment Score of 40 indicates the bills are paid at about 70 days on average, some slower, some faster.

*** End of Sample Canada Business Credit Report on   ***


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