Before telephones and the i，the only way to gather risk information on a business was to visit the business owner at their plabsp;of business.Credit reporters would ask the owner for the names of the panies that supplied them on credit terms，what banks they dealt with and detailed questions about number of employees，what was sold，etc.They would then tabsp;the suppliers and banks for referenbsp;information.It took days，even weeks，to fulfill a request for a ercial credit report.
Eleibsp;unication and puters ged the gathering of ercial risk informatio reports bsp;now be piled in ds without human intervention and without a business owners knowledge.Suppliers are now requested to supply frequent aged trial balanbsp;down loads on all their ats receivable to ercial credit rep agehe trade payment experienbsp;are linked together to give a profile of how a business is paying numerous suppliers.Colle agencies supply the credit rep agencies with information on ercial colle claims they receive whibsp;are matched to the trade payment experiences.
Before telephones and the i，the only way to gather risk information on a business was to visit the business owner at their plabsp;of business.Credit reporters would ask the owner for the names of the panies that supplied them on credit terms，what banks they dealt with and detailed questions about number of employees，what was sold，etc.They would then tabsp;the suppliers and banks for referenbsp;information.It took days，even weeks，to fulfill a request for a ercial credit report.
Eleibsp;unication and puters ged the gathering of ercial risk informatio reports bsp;now be piled in ds without human intervention and without a business owners knowledge.Suppliers are now requested to supply frequent aged trial balanbsp;down loads on all their ats receivable to ercial credit rep agehe trade payment experienbsp;are linked together to give a profile of how a business is paying numerous suppliers.Colle agencies supply the credit rep agencies with information on ercial colle claims they receive whibsp;are matched to the trade payment experiences.