DNB creditgate

Shared Information Resources

D&B believes that when it comes to compiling comprehensive, accurate and relevant credit risk assessment, nothing adds more weight than objective information gathered from a variety of regulatory authorities.


Company and director identity verification

D&B provides real time access to information from the Australian Securities and Investments Commission (ASIC), the Commonwealth government's independent body responsible for regulating organisations covered by the Corporations Law. With immediate access to ASIC extracts and reports you can instantaneously verify the identity of a company or company director and rest assured that the entity is valid and operational.

  • Detailed information on the companies and corporate bodies registered under Australian Corporations Law.
  • Find concise details on an Australian organisation's directors, shareholders and legal structure.
  • Products available include the ASIC Company and Historical Extracts, DOCIMAGE and Business Name Extracts.

The ASIC Company Extract provides information on organisation details, registered addresses, roles in organisation, share structure, shareholders, charges, documents and annual returns lodged, full details about all charges which have been registered against the selected companies.

The Historical Extract will provide all of the information in a Company Extract, plus a full history of these details. DOCIMAGE allows you to purchase stored digital copies of all documents lodged at the ASIC by an organisation since 1991. A Business Name Extract is available on all registered businesses in any Australian state or territory. The Extract includes registration details, registered address and details of proprietors as held by the responsible business names agency.

Cross Director Matching

Was this director previously involved in a failed business?

All of D&Bís credit reports contain the enhanced automated Cross Directorship functionality, enabling you to identify if a company director has been involved in a previously failed business.

  • Understand the other company boards that company directors are, or have been, involved with.
  • Learn more about the relationships of an organisation you are about to extend credit to, evaluate a supplier relationship on, or investigate for business purposes.

How does it work? - The Cross Directorship system uses distinctive attributes of an individual to identify his or her involvement in other companies. To do so Creditgate utilises an automatic search to retrieve a listing of individuals' current or previous directorships. The data displayed on an individualís Cross Directorship in D&Bís credit reports is: DUNS Number, Company Name and Company Status. You can now find instantly if a company director has been involved with a company under external administration.


Check security interests

CreditGate delivers direct online access to REVS (Register of Encumbered Vehicles). REVS holds encumbrance information about motor vehicles, trucks, motor bikes, caravans, trailers, specific farm machinery and boats that have been used as security for a loan from a bank, finance company, credit union or other credit provider.

  • Check whether a vehicle you have security over has money owing on it
  • Provides full details of vehicle encumbrances or indicates if encumbrances exist

A financier can recover goods in which it has an interest no matter who has purported to buy them, e.g. the financier's interest takes priority over subsequent purchasers. To check you must supply: Registration Number, VIN or chassis number (car), Hull Identification Number (boat), Engine number(s).


Bankruptcy search

Creditgate also offers direct online access to ITSA (The Insolvency and Trustee Service of Australia) better known as the Bankruptcy Database. Before extending credit to a consumer or preparing a Director's Guarantee, D&B customers can check an applicantís solvency status to make sure the individual is legally entitled to contract with them.

  • Check directorís solvency status before extending credit to their business
  • Find comprehensive details on a consumerís personal bankruptcy

Check security interests in NZ

D&B ensure you maintain a complete picture of all your security interests by embedding PPSR (Personal Property Securities Register) information in its New Zealand credit reports. For D&B customers, PPSR is instantly available. PPSR information helps to refine delinquency prediction as it enhances D&B's Dynamic Delinquency Score (DDS). PPSR is also offered as a stand-alone product and is available to both New Zealand and Australian customers.

The PPSR gives you a better understanding as to where you stand in the queue of your customer's creditors. If you are extending credit to your customer, PPSR will give you an additional risk indicator. PPSR records information concerning business loans where goods and other personal properties are used as "collateral" to secure loans. The more registered securities your applicant has the increased degree of credit risk. The registered security interests will take priority over unsecured credit risk in case of insolvency. PPSR elements include: Date of Registration, Expiry Date, Status, Secured Party, Collateral Type.

Land Titles

Check property ownership

In Australia, through D&B you can search for land titles and receive electronic confirmation of ownership, images of plans and dealings. D&B provide you with comprehensive property and land titles in both real time and off line searching throughout Australia.

In New Zealand, through D&B you can search property information via Terranet. With Terranet access via Creditgate, D&B helps customers reduce their credit risk by providing an insight into an applicant's property ownership.

  • Search by owner's name, address, title reference and legal description.
  • Obtain the latest sales on a property and land parcels, view valuations and sales history.
  • Order and print out wide variety of detailed reports.
Share customer defaults

As a customer of D&B you have an important role to play in the credit industry. Sharing default information with other credit providers ensures that the credit community is alerted to bad payers. Customers who list payment default information also benefit - accelerating their ability to have their outstanding account paid. Do you want to extend credit to customers who do not pay their accounts? Shared bureau information provides protection against future bad and doubtful debt.

On CreditGate you have the ability to default list both commercial and consumer accounts online that are overdue by more than 60 days. Defaults listed are displayed in all D&B credit reports. You can also update payment details online, for accounts that you previously default listed.

Payment defaults are one of the earliest indicators that an organisation may experience financial distress, default listing your delinquent debtors will assist in escalating the likelihood and timeliness of recovery; both in the short and long term. The listing will remain for a period of 5 years, enabling increased probability of recovery long after the account has been written off. Listing default information provides more granular detail to people making credit decisions.

Share trade payment information

Millions of objective trade payment references are incorporated into the D&B database every month. Historical trade payments are reflective of your potential customer's trade experience with other businesses, in particular their payment habits and performance. The integrity of the source guarantees a more accurate and balanced portrayal of businesses payment performance. By processing and analysing this information, along with other data, D&B is able to provide you with the complete picture of businesses payment habits.