A credit report is a report on a debtor's creditworthiness and is often used as a result of, or as part of, an overall credit assessment.
There are no requirements or rules for what a credit report should and must contain. It is fundamentally up to the company (creditor) itself to define and determine what a credit report should contain.
The credit report is thus often as different as there are creditors, but typically contains a credit score as well as the information that the creditor considers relevant in a credit relationship.
Bemærk: Qatchrs services er udelukkende for virksomheder. Vores kreditrapporter kan ikke anvendes af privatpersoner som dokumentation for kreditværdighed i forbindelse med lån eller dialog med banker, realkreditinstitutter eller andre låneudbydere.
What does a credit report contain?
There are a myriad of different ways to view a credit report and thus also what information it contains.
Grundlæggende skal en kreditrapport indeholde de oplysninger, som en virksomhed, bank, långiver eller lignende finder relevante i et kreditforhold, og som giver dem et fyldestgørende overblik over debitors økonomiske forhold.
The credit report can thus, for example, contain:
- Key figures
- Overview of assets
- Overview of other loan arrangements
- Company ownership
- Company type
- A score
Read also: Key figures – an important tool
Who uses a credit report?
Often, banks and other lenders use credit reports, both when granting loans and continuously throughout the loan term.
De senere år er det dog blevet mere og mere udbredt, at private virksomheder også udarbejder en kreditrapport over deres kunder. Det sker ofte, når der er tale om kreditforhold af en vis størrelse, men også hvis der er et løbende forhold til kunden.
Why should you create a credit report?
A credit report is used in connection with credit assessments performed for a customer/debtor if a creditor is to enter into a financial relationship with the debtor.
This could be, for example, in connection with lending or if a debtor wants credit.
The credit report is used as a tool in the overall credit assessment, the purpose of which is to minimize losses. The credit assessment helps to minimize or even completely avoid losses on debtors.
How do you create a credit report?
Many banks and finance companies often have internally developed systems for credit reports, often in combination with purchased tools and integrations.
Many companies choose to purchase access to systems that can offer credit reports, such as Qatchr.
Get credit reports with Qatchr
Qatchr is an online tool for creating credit reports. With Qatchr, you get a tool that gives you an overview of your customers' financial situation and can, among other things, give you a score on your customers as well as recommendations for, for example, credit periods and credit sizes.
