UK Credit Reports

Your protection against bad debt is the credit report.
But why choose ours?

First, Graydon reports are more accurate and give you a clearer picture. We don't just use publicly available information. Reports also contain facts from our proprietary sources, like our Business Intelligence Units and Payment Information. This gives you a level of detail and accuracy you won't get from other credit agencies.

Second, our information is fresh. Our databases are updated 24 hours a day, 7 days a week so you are always 'in the know'. This is critically important, because fraud and bad debt often lurk behind a mass of information that needs to be processed. For example, did you know in the next hour, 61 businesses will go insolvent and 671 accounts will be submitted?

Accurate, up-to-date information enables better, more informed decisions - which means you should have more profitable relationships with your customers and reduce your commercial risk.

In short, our reports are more detailed and always up to date. But don't just take our word: see for yourself. Click here for your free credit report

Third, all our credit reports are available online through our secure server. What's more, register and you'll qualify for our volume discounts.

Information in Graydon's reports and monitoring helps prevent corporate fraud

Corporate fraud and unusual business behaviour are not always synonymous, or obvious, but can often be prevented if you have the right information available.

B2B fraud is on the increase. Having the right information at the right time can save you tens of thousands of pounds. Obtaining this information is often difficult and time-consuming.

Solution: XSeption® from Graydon gives you this critical information, not available from any other source

This information forms part of CreditWatch Monitoring, Level 3 and Level 4 Credit Reports as standard - or is available on its own. You may discover that, on average, up to 3-4 % of actively trading companies can be flagged by XSeption. Each flag is associated with some unusual or extremely 'rare' corporate activity. That does not necessarily mean that the business in question is associated with fraudulent activity but it highlights what requires a closer look. This information, otherwise not available from any other source, can now be at your immediate disposal. - More...

Which of these 4 levels suits you?

Level 1 Short Form Risk Analysis Report

This 'snapshot' report tells you if the applicant is a high or low risk. It also gives details of registered office, registered number, date of incorporation and date of accounts. Click here to see a sample Short Form Risk Analysis report

Level 2 Short Form Credit Rating Report

Need a snapshot of a customer's standing? A decision on a specific amount? This report gives you a YES or NO answer - as well as our credit rating, monthly credit guide, turnover and other key data. Click here to see a sample Short Form Credit Rating report

Level 3 Credit Report

This comprehensive report is our most popular. It reveals the financial standing of any business - instantly. You get:

Full legal information, Shareholders, Directors, their addresses and multiple directorships, County Court Judgments, 4 years of profit & loss and balance sheet data, key ratios and industry comparisons. Choose between the Graydon credit rating, or Augur Score. XSeption flags are also included as standard (not available from any other source).

See examples of the Graydon and Augur score below (choose which you prefer when ordering).

Level 4 Fresh Investigation Credit Rating Report

This takes the standard credit rating report a step further. It includes an interview with the subject company to answer any relevant questions. In addition, our researchers hunt for any new information that may not have come to light through the usual channels.

Customised Reports & Investigations - find out exactly what you want

Our specialised division provides freshly researched, tailored investigations. Need specific information in your reports - or more detail on a particular high value customer? We can uncover exactly what you need to know.

Payment Information enables you to see your customer's payment track record with other suppliers

Knowing your customer's payment habits is incredibly powerful information. It gives you a very clear picture of your risk.

See how promptly your customers pay other suppliers
Know before others when there is cause for concern
Make decisions on more than just publicly available data

Contribute to Payment Information - and save

The Payment Information in our credit reports is only possible because other businesses give us their debtors information. If your business contributes, in exchange you can get free access to one of our online ledger analysis solutions. You will see how your payment experiences compare to other contributors.

Contributing is easy and secure

Contributing your Payment Information is easy - we work with many different file formats. We just need your Aged Debt File and Debtor File. - That's it.

Any information supplied to us is 100% confidential and secure. We sign a Confidentiality Agreement, counter-signed by you, binding us to our data integrity pledges. The agreement covers how the files are stored, delivered and the security of the contributor name.

Interested? We'll make it easy and you'll be surprised how much you can save. To find out more, email us or speak to your account manager.

XSeption®

Fraud Prevention

For more details click here