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
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
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).
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
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
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
- 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
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.