December 12, 2018
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As your Full Service Credit Partner, we are committed to providing programs which will help credit grantors define quality performance in credit and collection management. We've built our services around extremely capable people - they're experienced, highly knowledgeable, and empowered to make decisions.

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Credit Reports

Single-Bureau.jpgSince 1905, Credit Bureau Services have been providing area businesses with credit reporting services.  Our services are wide and varied.

Single Bureau Reports
We offer TransUnion  "single bureau" credit reports. These reports can be accessed via our web-based service or it can be housed within your server via an inhouse application.

Web-Based or Inhouse-Based Applications

CBS offers both a web-based solution, as well as, an inhouse-based solution.  Both solutions offer various advantages to our many customers.


Features of our Inhouse-based Application

Customizable Letters
Our inhouse applications provides you the ability to create custom letters and merge information with the database (i.e. customer's name, address, etc).

Full support of Add-Ons
Our inhouse-based application provides access to the various add-on features provide by TransUnion or Experian.  These add-on products include:

 TransUnion

Product Description 

 LookDecodes all business names that have contributed information to the credit report.
 Trace/ReTraceFinds the current and previous addresses of any person on file. It will also return SSN of person on file.
 Trace PlusExpanded version of Trace and Social Search. Requires SSN. Provides current & former employment information.
 FactProvides consumer last known address and employment, numbers of creditors, and basic public record information.


Single User or Enterprise
Designed for Windows 95/98/ME/2000. Depending on your needs it can provide for single user, multiple users, or an enterprise edition for an NT network.  This system is the ultimate in security and allows for storing retrieved data on your system.

Credit Reports
Your credit reports will be set to your specifications during set-up, this can include credit summary, industry specific scores or fraud detection. These requirements are established once during system set-up and will be provided on all reports requested.

 

Features of our Web-based Application

Customizable Credit Reports
Our web based credit reports are among the easiest to read in the industry.  Starting from a basic pre-defined layout, we can work with your personnel to develop a report that best fits your business needs and acumen.

Fast Tradeline Updates
All tradeline verification requests can be ordered directly through our system, without sending a fax or making a call. All requests are displayed in our office in real-time, helping to expedite the loan process. 

Fraud Alert and Detection
A value-added service to our standard reports.  Reduce the risk of fraud and help protect your business. Fraud prevention add-ons include High Risk Fraud Alert and ID Mismatch Alert.

Decoded Trade Lines
A value-added feature that allows you to personally verify trades.  A decode provides the address and phone number of the creditors.

Remove a Borrower with One Click
You can remove a borrower from a joint file with only one click.  There are no extra fees and no additional costs.  One Click will reassemble the file to display a joint tri-merged report. 

OFAC Compliance
State-of-the-art optional database tool that helps you comply with Patriot Act requirements. We check the subject’s name and other attributes on a credit report against a continuously updated Office of Foreign Assets Control (OFAC) database and immediately alert you if there is risk related to Specially Designated Nationals (SDN) status.

Credit Scores
Credit scores converts the collective experience of reported credit information, public record information and inquiries to a numerical score that may be indicative of future payment behavior. Predicts varying degrees of delinquences, slow-pays, charge-offs and bankrupties.

Credit Summary
Our value added credit summary can provide you with a quick overview of the individual's financial situation.


 

Click here to get more information on CBS' Credit Reports and how to become a CBS customer! You should receive a response from a sales representative by the next business day.

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