Glossary of Terms
You will see this message if a glossary term is missing or has been removed.
Is one of a series of accounting transactions dealing with the billing of customers which owe money to a person, company or organization for goods and services that have been provided to the customer.
| Additional Payment Experiences: |
This section lists tradeline experiences not updated within the past three months of the report date and non-standard trade accounts, such as leases and bank loans representing payment information that differs from traditional trade credit accounts.
Additional trade experiences are retained for 36 months past the last update provided by an Experian trade supplier.
If a trade is reported
monthly, the trade is considered aged if 105 days pass
since last reported.
If a trade is reported
quarterly, the trade is considered aged if 150 days pass
since last reported.
An automated email alert is sent if key changes to the business profile are detected.
Alert types:
- Score change
- Business address change
- Inquiry
- New credit tradeline opened
- Business public records (Bankruptcy, Lien, Judgment, Collection)
- Late payment
- UCC changes
- Dispute status changes
The Business Credit Advantage℠ report is our most complete report with unique views. You will have unlimited access to it for the length of your plan, along with email alerts, score improvement tips, and tools.
The background report includes the basic information about a company: address, phone number,
etc.
It may also include any of the following, based upon availability: sales, number of employees,
names and titles of key personnel, years in business, date of incorporation,
Filing data provided by, primary business activity, and other demographic data.
The amount of money owned.
The exact definition may vary based on the type of information presented.
Number of bank relationships a business entity has.
| Banking, Insurance, and Leasing: |
This includes any information we have available about commercial financial
relationships the company may have with a bank, insurance company, or lessor.
Generally, this information may include the name of the company's primary bank, insurance companies that have issued policies to it, and the details of leases that have been reported.
| Business Credit AdvantageSM Report: |
The Business Credit Advantage
SM report contains the same amount of information as our most
complete report for that business (be it a ProfilePlus
SM, CreditScore
SM, or BizVerify
SM report.)
But unlike an individual report purchase, you will have unlimited access to it, and more
for the length of your plan.
| Business Identity Monitoring: |
CyberAgent®, our priority monitoring technology, proactively detects stolen business identifiable information and compromised confidential data online. CyberAgent is the only identity monitoring solution designed for proactive cyber detection on an international level - breaking language barriers and detecting identity theft across the globe.
At any point in time, our CyberAgent technology is monitoring thousands of websites and millions of data points, alerting you if we find your business information in a compromised position online. This information is being gathered in real-time, giving you the opportunity to react quickly and take the necessary steps to protect your business.
Experian currently can scan the dark web for finds of your email addresses, phone numbers, credit/debit cards, your small business website IP address, and your small business email domain credentials.
Experian is offering a Business Valuation report that can help you determine the value of your company. The typical cost of a business valuation through an appraiser is expensive (about $8,000) and requires several weeks to disclose and complete.
To get your customized report you'll need to answer a number of questions about your business such as your: annual revenue, officer compensation, expenses, assets, liabilities, loans, rents, etc. over the past 1-3 years.
Once the interview process has completed we'll provide you with a PDF report containing a financial summary and Key Performance Indicators (KPIs) to denote your business performance to the industry average.
These reports are used for: Insurance purposes, Selling the business, Getting a loan, Raising capital, Estate planning and more.
| Corporate/Family Linkage: |
Use it to:
- Identify relationships within a corporate family
- Gain a better understanding of the business structure and overall corporate responsibility
- Assess risk with a complete perspective on the entire corporate organization
Family Linkage contains the
Ultimate Parent, Parent/Headquarters, Subsidiaries, and Branch/Alternative locations
for those locations that have these relationships.
Reports on Branch/Alternative Locations are not
available because this information is typically merged into the parent report.
It is a process that allows a company or organization to get relief from their debts if they
become unmanageable.
The information generally includes the date, legal type, legal action, and document number.
Experian reports on bankruptcies that occurred within the past nine years.
An operating location of a larger company.
Substantial or all assets of the company have been transferred to another party.
| Business CreditScore Pro (Enhanced Report Offer): |
Experian offers both the CreditScore
SM report and ProfilePlus
SM report versions of the Business CreditScore Pro plan.
Options and pricing for each will be presented on the product selection page immediately following a company search.
For more information about our plans, please use the "Contact us" link found at the bottom of our Help page.
| Business CreditScore Pro (Enhanced reports): |
Our standard annual plan offers up to 30 CreditScore reports each month at $1,495 per year.
We also provide reports with trade payment detail, UCC detail, and inquiry detail (as offered today in our ProfilePlus reports).
The pricing for these enhanced reports is $1,995 per year.
A Uniform Commercial Code (
UCC) filing where one of the following types of
collateral have been pledged:
- Accounts
- Accounts receivable
- Contracts
- Hereafter acquired property
- Inventory
- Leases
- Notes receivable
- Proceeds
The company stops all operations and goes completely out of business.
Bankruptcy liquidation proceeding in which the debtor's non-exempt assets, if any,
are sold by the Chapter 7 trustee and the proceeds distributed to creditors according
to the priorities established in the code.
The reorganization provision of the U.S. Bankruptcy Court that enables companies to
restructure past-due payments while they continue regular operations in order to
emerge as profitable.
Companies in Chapter 11 continue to provide employees with salaries and benefits
and do business with suppliers and customers in a routine manner.
Chapter 11 means reorganization, not bankruptcy or liquidation.
The purpose of filing Chapter 11 protection is to reorganize and strengthen the
company for the future.
Allows individuals who have steady incomes to pay all or a portion of their debts
under protection and supervision of the court.
Under Chapter 13, you file a bankruptcy petition and a proposed payment plan
with the U.S. Bankruptcy Court.
The law requires that the payments have a value at least equal to what would
have been distributed in a Chapter 7 liquidation case.
An important feature of Chapter 13 is that you will be permitted to keep all
your assets while the plan is in effect and after you have successfully completed it.
Chapter 13 is available only to those borrowers with regular income who have
less than $269,250 in unsecured debts (such as credit cards) and less than
$807,750 in secured debts (such as mortgages and car loans).
Anyone with greater debts usually must declare bankruptcy under Chapters
7 or 11 of the Bankruptcy Code.
In a joint Chapter 13 case those limits are not doubled, instead they are applied
to the total amount owed by the debtors.
Company has completed the bankruptcy proceeding and is now liquidated.
Property pledged as security for a debt.
Number of open or close collection tradelines (from collection agencies).
Open collection tradelines are tradelines for which collection agencies are
still collecting.
Closed collection tradelines are tradelines that collection agencies
have either collected on or abandoned.
This portion of a report shows the detail associated with collections that have
been reported.
These collections are collections where others are attempting to collect FROM
the company, not collections where the company is attempting to collect from
other parties.
The information generally includes the date, amount, and a status based upon the
last report of the collection activity.
This portion of the report shows a summary of the actual collections reported.
Detailed data is summarized into the status of the collection activity, with the dollar
amounts for items in dispute and items collected.
Account balance for combined tradelines.
This is the total dollar balance for all
new and
continuously reported tradelines.
A tradeline which has been reported for more than six months.
Corporate Registration includes information on the state of the company's
incorporation/registration, the date of the incorporation/registration, and the
current status of the registration.
| Risk Ranking/Recommendation: |
Business Credit Scored reports:
The objective of the Experian Business Credit Ranking Score (Intelliscore Plus
SM) is to
predict seriously derogatory payment behavior.
Scores on business entities range from 1 to 100 where 1 represents a high risk and 100 represents a low risk.
| Score Range | Risk Level |
| 1-10 | High Risk |
| 11-25 | Medium to High Risk |
| 26-50 | Medium Risk |
| 51-75 | Low to Medium Risk |
| 76-100 | Low Risk |
Experian has a unique identification number for each company location in its database.
The Experian BIN is 9 characters long.
This number can be found in the text of all Experian reports that you purchase from
us.
Searching for a company by BIN can be accomplished by using the
'Advanced search' link below the Company name search on our home page.
| Financial Stability Risk Rating: |
The objective of the Financial Stability Risk Rating is to predict the likelihood of payment default and/or bankruptcy within the next 12 months.
Experian categorizes all
businesses to fit within one of the five risk segments. This rating will be presented in all of our scored reports.
| Risk Rating | Risk Level | Bad Rate |
| 5 | High Risk | 35.27% |
| 4 | Medium to High Risk | 10.00% |
| 3 | Medium Risk | 2.95% |
| 2 | Low to Medium Risk | 1.11% |
| 1 | Low Risk | .55% |
The objective of the Experian Credit Ranking Score (Intelliscore Plus
SM) is to predict seriously derogatory payment behavior.
Scores range from 1 to 100 where 1 represents a high risk and 100 represents a low risk.
| Score Range | Risk Level |
| 1-10 | High Risk |
| 11-25 | Medium to High Risk |
| 26-50 | Medium Risk |
| 51-75 | Low to Medium Risk |
| 76-100 | Low Risk |
It is not uncommon for business credit scores to fluctuate. Experian examines more than 140 variables to
determine a business credit score.
Score Factors include:
- The presence of derogatory public records on the business profile, such as collections, liens, judgments and bankruptcies.
- An increased trend in slow payment of obligations.
- An increase in the number of business credit inquiries.
- The number of trade experiences, balances outstanding, payment habits, credit utilization and trends over time.
- Years in business, line of business or Standard Industrial Classification (SIC) code, size of business and other demographic data, and more.
| Credit Summary - icon/color key: |
| Businesses Scoring Worse: | 75% to 100% =  ; 50% to 74% =  ; < 50% =  . |
| Bankruptcies: | 0 filed = ; 1 or more filed, 0 active = ; 1 or more active = . |
| Liens: | 0 filed = ; 2 or less filed = ; > 2 filed = . |
| Judgments: | 0 filed = ; 2 or less filed = ; > 2 filed = . |
| Collections: | 1 or less filed and 0 active = ; 4 or less filed and 1 or less active = ; more than one active or more than 4 filed = . |
This is a summary of the key factors relating to creditworthiness of a company.
Tradelines where the payment has been made within terms are called "Current".
Days Beyond Terms (
DBT) is the average number of days a firm pays its bills past the invoice due date.
The color of the predicted
DBT is based upon observed norms of all U.S. businesses:
- Green for all entries 15 days or less
- Yellow for all entries between 16 and 50 days
- Orange for all entries between 51 and 90 days
- Red for all entries beyond 90 days
Note: The DBT norm for all industries is 7 days.
Days Beyond Terms (
DBT) Averaging for all U.S. businesses:
- 80% of U.S. businesses have a DBT of 0-15 days
- 11% of U.S. businesses have a DBT of 16-50 days
- 5% of U.S. businesses have a DBT of 51-90 days
- 4% of U.S. businesses have a DBT over 90 days
Note: The DBT norm for all industries is 7 days.
Days Beyond Terms (
DBT) New is the number of days past
the date when payment was due for newly reported tradelines.
Note: The DBT norm for all industries is 7 days.
A sum of money owed from one person to another, including the right of the creditor to receive and enforce payment.
| Derogatory Public Record: |
Public Record Information detailing: Bankruptcy, Tax Liens (Federal, State, and County), Judgments, and UCC Filings for the subject firm. It includes the date of filings, amounts, locations, etc.
Company has completed the bankruptcy proceeding.
The legal action was closed by the presiding judge.
| Dispute Resolution Status Alerts: |
When you submit a business dispute, a Commercial Relations Agent is assigned to
conduct a thorough investigation of your credit file and in most cases make the necessary updates.
Notifications of this process are both emailed to you and available for you to see
on your Dashboard page within the section titled "
My business credit report disputes".
| Fictitious Business Name: |
Most companies and individuals select a fictional name for their businesses.
(For example, "John Smith Automotive" is not a fictitious business name as long as the
owner is named John Smith, but "Main Street Automotive" is.)
Companies record Fictitious Business Name (
FBN) - also referred
to as Doing Business As (
DBA), Trade Name or Assumed Name -
filings with the appropriate county recorder, county clerk or county business licensing office.
Shows the number of years Experian has been collecting data on this company.
This date may be different from the Business Establish Date.
The Business Establish Date is when the company first started doing business.
For example, the business may have been established in 1/95, but the business was
not established on the Experian file until 6/95.
(*The earliest possible 'Experian Established Date' is 1977.)
The company location where the Chief Executive Officer (CEO) or President resides.
Signifies that the average of the two previous scores is lower than the
current score. i.e., the overall trend is improving.
Signifies that the average of the two previous scores is higher than the
current score. i.e., the overall trend is declining.
Signifies that the average of the two previous scores is identical to
the current score.
In most cases, the Experian reports contain both the SIC Code and the NAICS Code for that business.
SIC Code: The Standard Industrial Classification is a United States government
system for classifying industries by a four-digit code.
NAICS: The North American Industry Classification System is also a system for classifying industries but has
as greater level of detail than what is achieved under the SIC classification system. The NAICS system
uses 4-8 digits to represent the individual industries.
The number of Days Beyond Terms (
DBT) for businesses in the same industry.
Note: The DBT norm for all industries is 7 days.
Inquiries are the number of companies making inquiries on the subject company in the last 9 months.
The International Business Credit Report is available on companies located in the following countries:
Austria, Brazil, Canada, Croatia, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Singapore, Spain, Sweden, Switzerland, Turkey, and the United Kingdom.
Company's creditors initiated the bankruptcy proceeding.
The total judgment balance amount.
Experian reports on judgments released within the past five years.
Number of judgments filed. This does not include judgments satisfied. Therefore, the judgment may be satisfied but you cannot tell or "match" the satisfied judgment.
The information generally includes: date, plaintiff, filing agency, legal type, legal action,
document number, liability amount, and description.
Experian reports on judgments released within the past five years.
Key facts are the basic information about a company: address, phone number, etc.
It may also include any of the following based upon availability: sales, number of employees,
names and titles of key personnel, years in business, date of incorporation,
Filing data provided by, primary business activity, and other demographic data.
This section shows activity related to open tax liens levied against the company.
The information generally includes: date, filing agency, legal type, legal action,
document number, liability amount, and description.
| Small Business Financial Exchange (SBFE®) Trades: |
The Small Business Financial Exchange (SBFE) data is Experian's newest data source providing the most comprehensive coverage of small business financial data in the market.
Established in 2001, this non-profit association's database houses information on over 32 million businesses, and enables information exchange among members (relationships with financial institutions) who provide small business financing.
These members include the top 10 largest U.S. business card issuers and 12 of the top 15 commercial lenders.
Company does not have enough payment history to generate a report which includes a
credit score, or to provide a meaningful prediction of future payment trends.
The middle value in a distribution, above and below which lie an equal number of values.
NACE is a European industry standard classification system similar to Standard Industry Classification (SIC) and North American Industry Classification System (NAICS) for classifying business activities.
A tradeline which has been reported for the first time in the last six months.
This is the current retail price of the product.
| Score is N/A for report purchase: |
Scores reading 'N/A' are linked to companies without a score at the time of the report purchase.
| Score is N/A for report purchase: |
Scores reading 'N/A' are linked to companies without a score at the time of the report purchase.
| Score is N/A for subscribed report: |
Scores reading 'N/A' are linked to companies without a score at the time of the report purchase.
A loan made by a company which is evidenced by a promissory note.
Business CreditScore ProSM plan holders have access to this number of reports during each monthly cycle.
Business Credit AdvantageSM plan holders
have access to their report and all of its updates for the length of the subscription.
Credit extended by a business to a customer.
A company which has many more expenditures than revenue.
A company that wholly owns at least one other company, subsidiary, or branch.
These are tables of accounts, showing the details of the company's payment history over time by tradeline.
This is sometimes referred to as 'Tradeline data'.
Please note:
Actual tradeline company names are not displayed, but rather supplier category names
will appear. For example, if a company is 60 DBT (days beyond terms) with 'ACME CELL COMMUNICATIONS', the entry may
appear as "TELECOM ... 60DBT".
These are graphical elements showing the company's payment history over time.
A method of predicting how quickly future payments will be made based upon
historical payment information.
The prediction is a forecast of the
DBT for 60 days into the future.
It is based on the trend in
DBT, the type of industry of the business,
derogatory public record information, collection accounts,
number of inquiries, Years in business/on file, and other factors.
The background color of the predicted
DBT is based upon observed norms
of all U.S. businesses:
- Green for all entries 15 days or less
- Yellow for all entries between 16 and 50 days
- Orange for all entries between 51 and 90 days
- Red for all entries beyond 90 days
Note: The DBT norm for all industries is 7 days.
Due to a name change or merger, the primary name of the company has been changed to
the current name shown.
The previous name is also displayed.
The income arising from land or other property.
Recent High Credit shows the highest account balance with the reporting firm in the last twelve months.
| Recommended Credit Limit: |
Experian's Recommended Credit Limit is available on our Business CreditScore ProSM reports.
This recommendation compares this business against similar businesses in the Experian business credit database.
It is based on payment performance, industry, age of business and the risk rating.
This recommendation, available on most scored businesses, is a guide.
The final decision must be made based on your company's business policies.
If the "Remember me" or "Remember my ID on this computer" checkbox is checked at registration, LOGIN, or in 'My account', the
site will send to your system an encrypted permanent "cookie" containing
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read. This will allow you to be automatically recognized, and you will not
have to manually login each time you visit. Cookies are only sent to the
web site which originated them, so your use of other web sites will not
expose the information stored in the cookie to other sites.
This cookie will be erased anytime you click on the 'Logout' link
found in the upper right of most of our pages.
You should not check this option if the computer you are using for access
is in a public location, or is otherwise unsecured.
A listing of
'Unavailable' means that Experian has created a basic listing
for this company in its database but does not currently have additional
credit or payment information to create a report.
As Experian collects
data, the report will become available with the updated information.
This number represents the estimated
annual sales at this location without any deductions applied; otherwise referred to as "gross sales".
The Experian Business Credit Score (Experian Intelliscore PlusSM)
uses statistical models to measure and predict payment behavior.
High Risk means that there is a significant probability of delinquent payment.
Low Risk means that there is a good probability of on-time payment.
The Financial Stability Risk (FSR) rating is used to predict the
likelihood of payment default and/or bankruptcy within the next 12 months.
Following 3 months of tracking, we will provide you with the 3-month score trend image for companies
that have an Experian Business Credit Score.
This image will be one of three values:
|
|
Signifies that the average of the two previous scores is lower than the
current score. i.e., the overall trend is improving.
|
|
|
Signifies that the average of the two previous scores is higher than the current
score. i.e., the overall trend is declining.
|
| NONE
|
Signifies that the average of the two previous scores is identical to
the current score.
|
Search Help -
Do not use: quotes, parenthesis, or truncation within search expressions.
Do not combine terms with: AND, OR, or NOT.
Experian will attempt to locate the best matches
based on a proprietary and complex matching algorithm.
For example, if you were to type:
MEYER ELECTRIC you may receive matches such
as: MEYER ELECTRIC, MEYERS ELECTRICIANS, MIER ELECTRONICS, MYER'S, etc.
Tip: If you're not finding what you're looking for, generally it's best to make
your search more specific by adding City, Address, and ZIP Code information.
LIST OF STATE ABBREVIATIONS
Alabama (AL)
Alaska (AK)
Arizona (AZ)
Arkansas (AR)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
District of Columbia (DC)
Florida (FL)
Georgia (GA)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IN)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Pacific Islands (GU)
Puerto Rico (PR)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virgin Islands (VI)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
| Corporate Financial Information: |
Public company corporate financial information on some public businesses.
Our "Score Improvement Tips" are provided exclusively to Business Credit Advantage
SM subscribers. They are a custom-generated set of helpful suggestions designed to help you improve your business score.
These tips may change based on the current report data (Score Factors), so review them anytime you're alerted to a change in your report.
An operating unit of a larger company.
Typically operates autonomously or semi-autonomously.
Experian collects sales taxes for registrants of this website with billing addresses in the following states:
CO, CT, DC, HI, IL, IN, MD, NJ, NM, NY, PA, PR, SC, SD, TX, WA, and WV.
If you represent a tax-exempt organization, with a billing address in one of the states listed above, please read our 'Legal terms' / 'Customer Terms and Conditions' for having your account status updated
before making any purchases on this website.
Knowing if a business has a tax lien will help point out if they are becoming a
higher risk due to nonpayment of taxes. In this situation, the tax agency is taking
security of the debt.
The total tax lien balance amount.
Number of tax liens filed. This does not include tax liens satisfied.
Therefore, the tax lien may be satisfied but you cannot tell or "match" the satisfied tax lien.
Sum of all balances.
This includes all tradelines - Regular, New, Aged, and Other.
A tradeline that has no aging.
| Trade Payment Experiences: |
Trade Payment Experiences reflect "new" and "continuously" reported tradelines.
Only those accounts that are Continuously Reported or Newly Reported
are included here.
To be considered
"Continuously Reported", a tradeline must be
in the Experian file for at least six months and updated at least once in the past three months.
A
"newly reported" tradeline has been added to the file within the past three months.
Each tradeline represents a unique credit experience.
Please note,
actual tradeline company names are not displayed, but rather supplier category names
will appear. For example, if your company is 60 DBT (days beyond terms) with 'ACME CELL COMMUNICATIONS', the entry may
appear as "TELECOM ... 60DBT".
A tradeline is a reported line of credit from one of your suppliers/accounts. A tradeline is sometimes referred to as a "Commercial account".
Tradeline payment experiences can be used to recognize early, on-time, and/or late payment patterns.
Tradeline payment experiences are listed on our reports by Supplier Category (e.g. "Credit Card", "Airlines", "Office Equipment", etc.)
Generally, the more tradelines reporting, the more informative the payment analysis.
A tradeline (or trade payment) is a reported line of credit.
Tradeline payment experiences can be used to recognize early, on-time, and/or late payment patterns.
Tradeline payment experiences are listed by Supplier Category (e.g. "Credit Card", "Airlines", "Office Equipment", etc.)
Generally, the more tradelines reporting, the more informative the payment analysis.
You will need to purchase either the
ProfilePlusSM Report or the
Business Credit AdvantageSM Plan to see the tradeline(s).
Companies that extend secured loans to other businesses file Uniform Commercial
Code (
UCC) documents with the appropriate secretary of state office to protect
their interest in the asset.
United States statute covering the rights and obligations of the various parties
involved in the purchase and sale of goods.
Companies that extend secured loans to other businesses file Uniform Commercial Code (
UCC)
documents with the appropriate secretary of state office to protect their interest in the asset.
UCC Detail
This is the detail of the actual
UCC filing, the information generally includes the date, filing number, jurisdiction, secured party, and collateral activity.
UCC Summary
The number of UCC filings, but excludes the detailed information about each one.
Companies that extend secured loans to other businesses file Uniform Commercial Code (
UCC) documents with the appropriate secretary of state office to protect their interest in the asset.
This is a summary of the last 2 years of
UCC filing information.
It does not show detail, but does show the filing activity.
Number of tradelines with Uniform Commercial Code (
UCC) filings.
Includes original, continuation, addition, and supplemental filings.
| Unlimited Report Refreshes: |
When you purchase a Business Credit Advantage
SM plan for a company, you will have unlimited access to that company's report for the duration of the plan.
Since this information can
change daily, we recommend frequent visits to the site.
To view the most recent report you would click on "View latest report" on your Dashboard page.
This report is not scored.
Experian has not collected enough information on this location to offer a ProfilePlus or CreditScore report.
This typically occurs with companies that are new to Experian, OR do little-to-no trade credit with companies reporting to Experian.
If this is your business, and you want information on establishing a more complete business credit profile, then please review our
www.BusinessCreditFacts.com website.
The company name and address displayed on the product purchase page
is the actual name on the report that is in our reports database.
Sometimes the system
uses slightly different names on the reports than it does when showing the
initial list of possible matches. In most cases these match exactly, but if they
do not then please use the "Help / Contact us" feature of our site to verify
that this is the proper company before making your purchase.
Company initiated the bankruptcy proceeding.
Number of tradelines with balance = 0.
This includes all tradelines - Regular, New, Aged, and Other.