Every company that does business on a credit basis, in which balances are relatively high, should investigate a potential customer's creditability through credit reports. Although obtaining a signed credit application from the potential customer is the first step, obtaining a third-party credit report on the subject company is an imperative part to understanding credit worthiness.

Benefits of credit reports:

• Verifies customer application data
• Identifies red flags as well as new credit opportunities with existing customers
• Identifies known fraud records from a variety of industries
• Includes commercial scores to help make fast and reliable credit decisions
• Helps to manage your commercial accounts receivable portfolio's overall risk

Stellar Risk Management Services, Inc. is an independent agent for several credit reporting companies. Please contact Stellar Risk Management through inquiry form or by phone. We will be very pleased to discuss this very useful credit risk management tool with you.