Maintenance and reporting of credit histories and risks for commercial companies
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Commercial credit reporting is the maintenance and reporting of credit histories and risks for commercial companies. These reports are typically created by credit rating agencies that also create credit ratings to help assess companies.
Commercial credit reporting is similar to consumer credit reports but specifically for businesses to assess risk in extending loans, insuring businesses, underwriting insurance risk, purchasing businesses, investing in businesses and most of all in shipping goods to business on credit terms. Government departments are also large users of commercial credit for regulating businesses and in collecting taxes.[1]
Commercial credit is more volatile than consumer credit. Few businesses survive five years in the same form that they were first founded. All businesses are in constant competition with other businesses for clients and markets. The granting of credit by businesses is very much a market driven and few regulations exist.
^"The trends of commercial credit reporting on consumer credit". Consumer Finance Protection Bureau. June 30, 2021.
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