Use UC for a reliable credit grant
UC´s credit reports provide a sound basis for high quality credit evaluations. In just a few seconds you can obtain up-to-the-minute information on both companies and consumers in Sweden and overseas.
A credit report is financial information pertaining to a company or person, and mainly comprises financial data in addition to information on a subject´s current address, marital status, and, in the case of legal entities, Credit Score and Risk Forecast. UC offers several different types of reports, from the richly informative Standard package to our smallest package, Risk, which provides details of a subject´s name and address as well as Credit Score and Risk Forecast. The choice of credit report which best meets your needs depends on the amount of information you require to make a credit decision. Feel free to contact your UC sales representative for more information, and prices, or telephone our customer services.
Support for all your credit management needs
UC can also offer complete systems for all your company´s credit management needs, as well as templates and credit rules and regulations, or products which help you save credit reports previously ordered through UC. Read more about our Credit Templates.
Remember that you must have a legitimate reason to request a credit report for a non-trader. By legitimate reason is meant that the party requesting the report has entered into, or is about to enter into a credit agreement with a private individual, or has another reason to seek a financial risk evaluation. Examples of legitimate reasons include credit agreements, guarantee agreements, and entering into rental agreements.
A sound decision-making basis for your business transactions
Make sure you know who you are dealing with Conducting checks on your customers and suppliers helps you to make sound decisions and avoid credit losses, and UC´s credit reports provide a qualitative basis on which to evaluate your business contacts. Naturally, it is your individual business, and the risks you are prepared to take which govern with whom you choose to do business. However, it is vital to have a sound basis for decision-making so that you know the risks to which you are exposing your company. If it is considered too risky to allow payment on invoice, you can always request payment in advance, instead of refusing to do business at all.
Which report should I choose? For more extensive business deals, we recommend Standard — a comprehensive credit report which includes a risk evaluation. To quickly assess whether it is worth investing time on a prospective customer, our Mikro report may be sufficient, although a risk evaluation provides a better overall picture by helping you gauge the risks involved when dealing with the company. Positioned between Standard and Risk, our Mini report offers a comprehensive basis for decision-making, including the risk factor and a certain amount of factual information, albeit lacking the clarification and detail available in Standard.
Obtain reliable financial data on consumers
Our credit reports provide a basis for high quality credit evaluations. In just a few seconds you can obtain up-to-the-minute information on consumers in Sweden and the rest of the Nordic region, ensuring you have all the information required to make a sound credit decision.
UC reports on consumers can be supplied in two different formats, the most common of which is a Consumer report, which provides a comprehensive picture over a prospective customer or business partner. You have access to information regarding income, debts with the Swedish Enforcement Authority, and property holdings. A less extensive credit report is also available — Mikro.
Legitimate reason Remember that you must have a legitimate reason to request a credit report for a consumer. By legitimate reason is meant that the person requesting the report has entered into, or is about to enter into a credit agreement with a private individual, or has another reason to carry out a financial risk evaluation. Examples of legitimate reasons include credit agreements, guarantee agreements, and entering into rental agreements.
International reports providing a sound basis for decision-making
Reliable credit information from senior corporate analysts based in the country in question
UC can provide international reports in various forms from all corners of the globe. Nordic commercial and consumer reports are supplied by the Nordic region´s market-leading credit information companies, and use the same layout as the Swedish reports to which you are accustomed. Nordic and European reports can be ordered directly online, in the same way as UC reports. Accessibility to data varies between the different countries; by and large it can be said that Sweden applies freedom of information legislation to a greater extent than in other countries, where the quantity of information found in reports may vary.
Credit reports from overseas can be ordered for companies, and additionally, in certain countries, for consumers. Reports are supplied in English or in the original language, and produced by senior corporate analysts based in the country in question.
International corporate documentation At UC you can order certificates of registration and annual reports for the majority of foreign companies. Get in touch with us to find out more.