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Sample Annotated Business Credit AdvantageSM Report
Note: This is a fictitious company credit report. Actual reports may vary in the amount of information available per business profile and may not include all information seen in this sample.

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Search inquiry: LaSalle Medical / Ardmore / PA


Business Credit AdvantageSM Report Sample



LaSalle Medical
1
Address: 18 Fletcher Ave
Ardmore, PA  19003
United States
Phone:610-555-1111
Experian BIN: 123456789
Also is (or has been) operating as:
LaSalle Medical Solutions, Inc.
LaSalle Oncology Rehab
Family Linkage:
Ultimate ParentNational Medical Center, Inc.
Los Angeles, CA
Parent / HeadquartersCrocker Medical, Inc.
Costa Mesa, CA
SubsidiariesLaSalle Hospitals, Inc.
McKinney, TX
Branches / Alternative LocationsLaSalle Patient Care
123 Main Street
McKinney, TX
Key Personnel: Treasurer: James Martin
CEO: Susan Smithers
SIC Code:8062 - Gen'l Medical & Surgical Hospital
NAICS Code:622110 - General Medical and Surgical Hospitals
Business Type:Incorporated
Experian File Established:January 1977
Experian Years on File:41 Years
Years in Business:More than 41 Years
Total Employees:100
Sales:$7,750,000
Filing Data Provided by:Pennsylvania
Date of Incorporation:02/14/1971


Your Experian Business Credit ScoreBack to top


60
Business Credit Score		 Risk Level Chart
Low to Medium Risk
  ?
How to Improve Your Score?

Read our
Score Improvement Tips
to find out.
What Can Affect Your Score?

Use our
Business Score Planner
to find out.
Average benchmark score for other businesses in your industry: 51

2
Key Score Factors:
 • Number of commercial accounts with terms other than NET 1-30 days
 • Number of commercial accounts that are not current
 • Number of commercial accounts with high utilization
 • Length of time on Experian's file

Business Credit Scores range from a low of 1 to high of 100 with this company receiving a score of 60.  Higher scores indicate lower risk. This score predicts the likelihood of serious credit delinquencies within the next 12 months. This score uses tradeline and collections information, public filings as well as other variables to predict future risk.


Your Experian Financial Stability Risk RatingBack to top


1
Financial Stability Risk Rating		 Risk Level Chart
Low Risk
  ?
A Financial Stability Risk Rating of 1 indicates a 0.55% potential risk of severe financial distress within the next 12 months.

3
Key Rating Factors:
 • Number of commercial collection accounts.
 • Risk associated with the company's industry sector.
 • Balance to high credit ratio for other commercial accounts.
 • Risk associated with the business type.

Financial Stability Risk Ratings range from a low of 1 to high of 5 with this company receiving a rating of 1.  Lower ratings indicate lower risk. Experian categorizes all businesses to fit within one of the five risk segments. This rating predicts the likelihood of payment default and/or bankruptcy within the next 12 months. This rating uses tradeline and collections information, public filings as well as other variables to predict future risk.




Your Small Business Financial Exchange (SBFE®) Risk RatingBack to top


1
SBFE Risk Rating		 Risk Level Chart
Low Risk
  ?
An SBFE Risk Rating of 1 indicates a Low potential likelihood of serious credit delinquencies within the next 12 months.

4

Key Rating Factors:
 •  No recently reported commercial card trade.
 •  Number of commercial trades without delinquency is too low.
 •  No open, recently reported commercial card trade.
 •  Available credit on commercial revolving trades is too low.

SBFE Risk Ratings range from a low of 1 to high of 5 with this company receiving a rating of 1.  Lower ratings indicate lower risk. Businesses are categorized to fit within one of the five risk segments. This rating predicts the likelihood of serious credit delinquencies within the next 12 months. This rating uses trade payments, firmographics, public records, and non-financial trade information to predict future risk.


Credit SummaryBack to top


5
Current Days Beyond Terms (DBT):1
Predicted DBT for 12/24/2014:1
Average Industry DBT:3
Payment Trend Indicator:Stable
Lowest 6 Month Balance:$1,135,900
Highest 6 Month Balance:$2,552,400
Current Total Account Balance:$2,459,500
Highest Credit Amount Extended:$3,025,200
Median Credit Amount Extended:$115,990
Payment Tradelines (see charts, detail):66
Small Business Financial Exchange Trades (see detail):4
UCC Filings (see detail):6
Banking/Insurance/Leasing (see detail):3
CAUTIONBusinesses Scoring Worse: 59%
GOODBankruptcies:0
CAUTIONLiens (see detail):1
CAUTIONJudgments Filed (see detail):2
WARNINGCollections (see detail, summary):3

Company background:  Founded in 1971 and headquartered in Ardmore, PA, LaSalle Medical operates several hospitals in the state of PA.



Payment Trend SummaryBack to top

6
Monthly Payment Trends Chart
*Percentage of on-time payments by month.

Monthly Payment Trends - Recent Activity
Date Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT
10/17 98% 2% 0% 0% 0%
11/17 99% 1% 0% 0% 0%
12/17 82% 18% 0% 0% 0%
01/18 100% 0% 0% 0% 0%
02/18 94% 6% 0% 0% 0%
03/18 99% 1% 0% 0% 0%
Quarterly Payment Trends Chart
*Percentage of on-time payments by quarter.

Quarterly Payment Trends - Recent Activity
Date Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT
03/17 84% 16% 0% 0% 0%
06/17 90% 10% 0% 0% 0%
09/17 94% 6% 0% 0% 0%
12/17 99% 1% 0% 0% 0%
03/18 92% 8% 0% 0% 0%


7

Continuous Payment DBT Chart
*Continuous distribution with DBT.
Newly Reported Payment DBT Chart
*Newly Reported distribution with DBT.
Combined Payment DBT Chart
*Combined distribution with DBT.
Trade Payment InformationBack to top

8

Mobile users: Swipe table below to expose all 13 columns
Tablet users: Swipe table below to expose all 13 columns

Payment Experiences (Financial Trades)
Supplier Category Acct. # (Last 4) Reported Date Activity Date Payment Terms Recent High Credit Balance Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT Comments
Fincl Svcs 1232 04/18 Varied $85,800 $0          
Fincl Svcs 3444 04/18 Net 30 $27,800 $27,800 100%          
Leasing 9434 04/18 03/18 Other $1,200 $200 84% 16%
Leasing 8323 03/18 Credit $0          
Leasing 9812 04/18 Net 30 $300 $200 100%        



Mobile users: Swipe table below to expose all 13 columns
Tablet users: Swipe table below to expose all 13 columns
Small Business Financial Exchange (SBFE) Trades
Account Type Acct. # (Last 4) Last Payment Date Balance Date Payment Terms Recent High Credit Balance Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT Comments
Commercial Card 4312 04/19 Monthly $16,901 $12,947 $16,901        
Open Ended Credit Line 1506 03/19 03/19 Monthly $51,600 $49,236 $51,600        
Commercial Card 7444 08/19 Monthly $8,823 $8,823        
Term Loan 3221 02/19 03/19 Monthly $1,020 $1,020      


Mobile users: Swipe table below to expose all 13 columns
Tablet users: Swipe table below to expose all 13 columns

Tradeline Experiences (Continuous Trades)
Supplier Category Acct. # (Last 4) Reported Date Activity Date Payment Terms Recent High Credit Balance Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT Comments
Communictn 3434 02/18 Varied $288,200 $288,200 100%
Computers 6453 09/17 08/17 Credit $0           Acctclosed
Distributr 0012 03/18 01/18 Net 30 $11,600 $2,300 100%
Drugs 0923 04/18 03/18 Net 30 $237,600 $135,600 100%
Elec Equip 9343 04/18 04/18 Contrct $27,100 $13,900 100%        
Electronic 3432 03/18 03/18 Net30 $200 $0           Cust 18 Yr
Factor 5342 09/17 08/17 Various $2,800 $0          
Factor 5444 04/18 04/18 Various $96,500 $96,500 100%        
Factor 3420 09/17 08/17 Varied $16,300 $0          
Fincl Svcs 4377 02/18 01/18 Net 30 $3,300 $0           Acctclosed
Fincl Svcs 6566 12/17 Net 20 $0          
Fincl Svcs 9344 11/17 Various $0          
Fincl Svcs 9432 10/17 10/17 Revolve $7,000 $4,300 100%
Food Distr 4118 03/18 02/18 Varied $2,800 $0          
Genl Merch 3444 02/17 Credit $0           Acctclosed
Manufctrng 4343 10/17 Net 30 $400 $0          
Med Equip 5455 04/18 Net 30 $2,700 $2,100 100%
Med Equip 1111 03/18 03/18 Other $997,500 $570,500 100%
Med Equip 4568 11/17 10/17 Varied $12,800 $0           Cust 8 Yr
Med Supply 9243 04/18 Net 30 $24,900 $7,400 100%
Med Supply 9434 02/18 Net 30 $3,025,200 $3,200 100%        
Offc Suppl 9434 10/17 10/16 Net 20 $0          
Offc Suppl 9344 04/18 04/18 Net 30 $100 $100 100%        
Offc Suppl 4434 04/18 03/18 Credit $0          
Offc Equip 3233 03/18 03/18 Revolve $1,000 $500 100%        
Offc Equip 9823 04/18 04/18 Net 45 $91,100 $14,100 100%
Packaging 4334 04/18 Net 30 $1,900 $400   Cust 14 Yr
Persnlsvcs 4344 02/18 01/18 Roi $35,800 $1,200
Photo Dev 4233 03/18 Other $16,100 $16,100        
Restr Supl 8354 04/18 04/18 Net 30 $6,000 $2,100 100%
Retl Trade 9434 03/18 Credit $0          
Transportn 3434 04/18 Net 15 $0          


Mobile users: Swipe table below to expose all 13 columns
Tablet users: Swipe table below to expose all 13 columns
Additional Tradeline Experiences (Aged Trades)
Supplier Category Acct. # (Last 4) Reported Date Activity Date Payment Terms Recent High Credit Balance Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT Comments
Auto Rentl 8434 04/17 Net 30 $0          
Bldg Matrl 0344 04/17 Net 30 $1,900 $200 100%        
Chemicals 0434 02/17 Credit $700 $200 100%        
Dp Equip 3723 12/16 Net 30 $1,200 $0          
Equip Leas 2392 03/17 Contrct $1,900 $100 100%        
Factor 4934 10/16 04/17 Net 30 $0          
Fincl Svcs 4344 12/16 Contrct $0           Acctclosed
Fincl Svcs 3444 02/16 01/16 Net 30 $700 $0          
Fincl Svcs 5553 04/17 Net $0           Acctclosed
Frght Fwrd 2332 03/17 Other $300 $300        
General 3444 04/17 Contrct $300 $300        
Machinery 4934 01/17 08/16 Net 30 $0          
Manufctrng 9232 04/17 02/17 Other $1,400 $1,200 100%        
Manufctrng 4344 04/16 04/16 Varied $900 $800 100%         Cust 1 Yr
Med Equip 4344 04/17 N15 Eom $8,900 $6,100 98%
Med Equip 4311 03/17 03/17 Net 30 $179,200 $2,100 100% Cust 1 Yr
Med Equip 9342 02/17 $2,700 $0          
Music Inst 3494 03/16 01/16 Net 30 $3,600 $1,200 100%         Cust 7 Yr
Optic Supl 8788 12/16 Contrct $100 $100 100%        
Plumbing 4358 04/17 04/17 Net 10 $500 $100 100%
Prntg&Publ 9323 04/17 02/17 Net 30 $3,000 $0          
Safty Prod 0943 01/16 Net30 $0          
Sport Gds 0081 03/16 Net 30 $600 $0          


Payment Trend Detail
Date Industry*
DBT		 DBT Industry*
Current		 Current Up to 30 DBT 31-60 DBT 61-90 DBT >90 DBT
03/18 8 1 79% 99% 1%
02/18 8 1 77% 94% 6%
01/18 7 2 81% 100%
12/17 9 4 77% 82% 18%
11/17 10 1 73% 99% 1%
10/17 8 1 78% 98% 2%
*Industry: Gen'l Medical & Surgical Hospital


Don't see all your business trade and financial accounts listed above?
Tell us who your supplier or financial vendor(s) are so that we may contact them.   Submit here
 
InquiriesBack to top

9
Mobile users: Swipe table below to expose all 10 columns

Summary of Inquiries
Supplier Category 04/18 03/18 02/18 01/18 12/17 11/17 10/17 09/17 06/17
Bank 0 0 1 0 0 0 0 0 0
Bureau 0 0 0 0 0 0 1 0 0
Drugs 0 0 0 0 0 1 0 0 0
Fincl Svcs 1 1 1 1 0 0 0 1 0
Insurance 0 0 0 1 0 0 0 0 0
Leasing 0 1 0 1 0 1 0 0 0
Transportn 0 0 0 0 0 1 0 0 0
Totals 1 2 2 3 0 3 1 1 0


Collection FilingsBack to top

Mobile users: Swipe table below to expose all 8 columns
Tablet users: Swipe table below to expose all 8 columns
10

Date Agency Agency Phone Status Closed Date Amt Disputed Amt Collected Comments
01/17 Acme Collections 312-555-1210 Closed, Paid in Full 11/17 $720 $720
06/11 Vinnie's Collection Services 215-555-2229 Open Account $109 $0
09/10 Vinnie's Collection Services 215-555-2229 Open Account $108 $0


Collections SummaryBack to top

Status Number of Items Amt Disputed Amt Collected
Open Account 2 $217 $0
Closed Account 1 $720 $720


Commercial Banking, Insurance, LeasingBack to top

11

Leasing
Institution Name:Non-Disclosed
Address:Burlington, NJ
ZIP Code:08016
Phone:610-555-1212
Product Type:Equipment
Commencement Date:02/17
Term:24 Months
Original Balance:$11,518
Remaining Balance:$959
Scheduled Amount Due:$479
Payments per Year:12
Payments Current:21
Payments Late:1
Payments Overdue:0
Institution Name:Ted Meds
Address:Cedar Rapids,
ZIP Code:52406-0609
Phone:610-555-1212
Product Type:Office Equp
Commencement Date:10/12
Term:58 Months
Original Balance:$19,909
Remaining Balance:$19,909
Current Payout:0
Scheduled Amount Due:$343
Payments per Year:12
Payments Overdue:0
Institution Name:Leasing Services
Address:Cedar Rapids,
ZIP Code:52406-0609
Phone:610-555-1212
Product Type:Office Equp
Commencement Date:01/12
Term:60 Months
Original Balance:$76,380
Remaining Balance:$41,815
Current Payout:0
Scheduled Amount Due:$1,273
Payments per Year:12
Payments Overdue:0


Judgment FilingsBack to top

12
Date:11/04/2013
Plaintiff:Robert Wilks
Filing Location:Philly CNTY Mun CT
Legal Type:Judgment
Legal Action:Filed
Document Number:12345678
Liability Amount:$2,675
Date:11/08/2012
Plaintiff:LaSalle Medical
Filing Location:Philly Cnty Mun CT
Legal Type:Judgment
Legal Action:Filed
99005932
Liability Amount:$4,452


Tax Lien FilingsBack to top

13
Date:03/28/2018
Filing Location:Montgomery County Co
Legal Type:State Tax
Legal Action:Lien
Document Number:87654321
Liability Amount:$253,985
Description:Other Tax


UCC FilingsBack to top

14
Date:05/04/2017
Filing Number:12345678
Jurisdiction:Sec Of State Pennsyl
Secured Party:WALTERS MEDI CORP NY WATERTOWN 812122 12 NORTH ROCK DR
Activity:Filed
Date:04/26/2017
Filing Number:12345678
Jurisdiction:Sec Of State New Jer
Secured Party:GENERAL ELECTRIC COMPANY WI MILWAUKEE 532010000 PO BOX 414
Collateral:Accounts
Activity:Filed
Date:03/07/2016
Filing Number:87654321
Jurisdiction:Sec Of State Pennsyl
Secured Party:BAXTOR CORPORATION DIAGNOSTICS DIVISION MA UNDERW 281220000
Activity:Filed
Date:09/17/2016
Filing Number:12345678
Jurisdiction:Sec Of State Pennsyl
Secured Party:BAXTOR CORPORATION DIAGNOSTICS DIVISION MA UNDERW 281220001
Activity:Filed
Date:04/23/2015
Filing Number:87654321
Jurisdiction:Sec Of State Pennsyl
Secured Party:DUFF LABORATORIES INC IL ALBERT PARK 123450000 100 PARKSIDE
Activity:Filed
Date:04/04/2014
Filing Number:12345678
urisdiction:Sec Of State Pennsyl
Secured Party:LEASING ASSOCIATES OF WHITING INC NJ SOUTH BARRINGTON 1600
Collateral:Equipment
Activity:Filed


Score Improvement TipsBack to top


15

Based on information found in this report on LaSalle Medical we recommend the following action items to help improve your business credit score:
  • The number of accounts reporting in the last 6 months is low.
    You should attempt to use more accounts you may have, or open new tradelines.
  • You have a number of accounts with terms that are not the standard net-30 terms.
    You should attempt to obtain net-30 terms, if possible, from existing and future tradeline suppliers.
  • The length of time Experian has a credit history on your company affects your score.
    Young companies are penalized for not having a long credit history.
    Older companies benefit from having a long history.
  • The amount of your balance and the amount of your previously high credit on one or more tradelines are close.
    Pay down these tradelines.
  • Make sure all of the information seen here in your report is correct.
    If you see outdated or inaccurate information then Update it now on our www.BusinessCreditFacts.com website.

* The information herein is furnished in confidence for your exclusive use for legitimate business purposes and shall not be reproduced, disclosed, or shared to any third party per the restrictions in the Terms and Conditions. Neither Experian nor its sources or distributors warrant such information nor shall they be liable for your use or reliance upon it.

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