Commercial credit reports on companies and their owners
Do your due diligence before you extend terms to a new customer or commit to a supplier or partner. One report brings together bank and supplier ratings, liens, legal actions and corporate status.
- Experienced investigator per file, not a database snapshot
- Fully licensed, national credit reporting agency
- Comprehensive, current and verified information
What a commercial credit report covers
Each report is tailored to what you need to know. A company report can include the items below, and you can add the owners, officers and directors.
- Corporate profile: legal name, status, officers and directors
- Partnership and sole proprietorship registrations
- Current bank ratings, direct from banks and financial institutions
- Supplier references: balances, credit limits and terms
- Commercial credit file showing payment trends over time
- Legal actions and judgments, with case details
- Real property and mortgages, confirmed from land title records
- Personal property lien registrations (PPSA)
- Bankruptcies, proposals, receiverships and CCAA (creditor protection) filings
- Late payments, NSF (returned) payments and tax liens
- Liabilities confirmed: loans, credit lines and leases
- Owners and officers: credit history, assets and liabilities
Commercial Credit ReportHow a QCR report differs from a database report
Quality Credit Reporting (QCR) is a fully licensed, national credit reporting agency. A database report gives a snapshot of what is already on file. QCR takes an investigative approach and gathers current information for each report.
| Topic | QCR investigative report | Database report |
|---|---|---|
| How the report is built | A specific, experienced investigator works your file | A snapshot of what is already on file |
| Corporate status | Legal status and good standing confirmed | Not confirmed for your report |
| Current bank ratings | Obtained from banks and financial institutions | Not obtained for your report |
| Current supplier ratings | Trade references contacted for current terms | Only what is already on file |
| Land title and PPSA lien registrations | Included, with registration details | Not checked for your report |
| Legal actions and judgments | Included, with case details | Included |
Due diligence before you commit
A new customer asks for terms
See current bank and supplier ratings before you set a credit limit or payment terms.
You are approving a supplier
Check whether a supplier’s credit shows signs of difficulty that could stop it from meeting its obligations.
A partnership or joint venture
Check whether the business is financially stable and has any negative credit or legal issues before you sign.
You plan to buy a business
Get current, verified information on the company you are buying and the owners you will deal with.
Common questions
Can the report cover the owners as well as the company?
Yes. QCR reports on corporations, partnerships and sole proprietorships, and on business owners, officers, directors and prospective partners. An owner’s section can include credit history and confirmed assets and liabilities.
Can I talk to an investigator about a company?
Yes. Once you order, QCR assigns a specific, experienced investigator to your file and offers direct, one-on-one help. To ask about a company first, use the phone number at the top of this page, or choose Pricing in the form and the QCR team will reply to your work email.
Who can request a report?
QCR works with business clients. Reports are prepared for commercial purposes, such as setting credit terms or approving a supplier. Before reporting on an owner or officer, QCR checks that the purpose is legitimate. Where consent is required, you are responsible for obtaining it.
What happens after I submit the form?
A member of the QCR team replies to your work email. A sample request gets a sample commercial credit report, a pricing request gets pricing for single reports and tailored packages, and a brochure request gets a brochure.