Since 2006 Ansonia has been meticulous about accurately reporting trade payment data exactly as it is submitted by data contributors who are members of our trade partner network.

The trade payment data used on Ansonia Business Credit Reports is actual trade payment history sent to Ansonia from companies who have extended your company credit on net payment terms such as net 30 days. The information comes from actual businesses like yours, who are members of our trade partner network and provide us with their accounts receivable information on a monthly basis, at minimum. This non-biased source of information is reliable and allows for an objective view of a company’s payment habits.

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If your score is 84 or below, have a company officer submit a Data Verification Request to receive a copy of your credit report using one of the following options:

•   If you were referred by a loadboard, please select this option:
Loadboard Referral
Score of 84 or below
•   For all non-loadboard requests, please select this option:
Data Verification Request
Score of 84 or below
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If your score is 85 or higher, click here to create a user account from which you will be able to use your credit card to purchase a copy of your company’s credit report for $18.

If a trade creditor you deal with isn't listed on your business credit report, it's most likely because they do not report your business payment history to Ansonia. Only by working with suppliers who report can you build your business credit report and improve your credit score.

Companies of all sizes can request to submit their accounts receivable portfolio to Ansonia. Participation is free, confidential and secure. Participation requires the contributor to have an Ansonia Credit Report on file and they must agree to electronically submit an approved format of their accounts receivable portfolio at least once a month. Companies interested in reporting their trade data to Ansonia should contact an Ansonia rep for more information.

If you believe inaccuracies exist on the current copy of your company’s credit report, the first step is to reach out directly to the contributor to resolve any disputes. Unlike a consumer credit report, data contributors on business credit reports are not identified by name, but you can generally figure out who they are by a process of elimination from looking at past due balance dates and balances.

If you can’t figure out who the contributor is, Ansonia can reach out to them on your behalf to get their permission to release their name to you. If you still believe there is incorrect information on your report, you can submit a Data Verification Request to Ansonia to review your report by choosing one of the options below:
•   If you were referred by a loadboard, please select the option below:
Loadboard Referral
•   For all non-loadboard requests, please select this option:
Data Verification Request

Once a Data Verification Request is submitted, Ansonia will take immediate action to start the process and, if necessary, reach out to a trade contributor to verify trade lines. The request will be sent immediately to the contributor however Ansonia is contractually required to allow the contributor 15 days to research and respond. Ansonia cannot release the name of a contributing party without their written consent and due to non-disclosure agreements, a contributing party ultimately retains the right to withhold their identify.

Usually companies don’t have a risk score because they have not developed a history of doing business with companies who are currently Ansonia data contributors. A data contributor is a company who extends trade credit to you (including factoring companies, carriers, 3PLs, railroads, fuel, tires, or other vendor/supplier) and who contributes its payment history to Ansonia Credit Data. After two different data contributors have reported your payments for three consecutive months, current month excluded, on the fourth month your brokerage will be eligible to receive a credit score.

Some of the largest loadboards provide Ansonia credit scores as part of their member services. When no score is reported, this indicates Ansonia does not have a score for that company.

Usually companies don’t have a risk score because they have not developed a history of doing business with companies who are currently Ansonia data contributors. A data contributor is a company who extends trade credit to you (including factoring companies, carriers, 3PLs, railroads, fuel, tires, or other vendor/supplier) and who contributes its payment history to Ansonia Credit Data. After two different data contributors have reported your payments for three consecutive months, current month excluded, on the fourth month your brokerage will be eligible to receive a credit score.

An Ansonia Risk Score is determined statistically through an algorithm that determines credit risk based on a number of factors including your company’s payment history, number of creditors and balances.

When you work with companies who submit their trade data file to Ansonia Credit Data, you will begin to establish credit for your company.

After two different data contributors have reported your payments for three consecutive months, on the fourth month your brokerage will be eligible to receive a credit score.

Just like building your personal credit, it takes time and the more timely the manner in which your company pays its creditors (the data contributors), the better your credit score.

12K32 means your company is showing an average balance of $12,000, and that you pay your bills within an average of 32 days. This is a simple way to determine if your company has experience with open credit, and shows other creditors when they can expect your company to pay.

Tips for responsibly building credit
  • Pay your bills on time!
  • New businesses should obtain tradelines with creditors to build their business credit. Even if you don’t “need” credit at the moment, it will be useful in the future when you grow or need capital in the form of a credit line or loan.
  • Choose to work with lenders, suppliers and creditors that report your payment history to the credit bureaus.
  • Establish business credit separate from your personal credit
  • Be set up to receive invoices from companies via email rather than mail
  • Have your accounting department check emails every day
  • Pay companies via ACH or eCheck to cut out mail delays
  • Transportation companies, if you don’t receive all the necessary paperwork from a carrier in a timely manner, be proactive and track it down. Waiting will only hurt your score.
  • Manage your growth steadily; too many sudden contributors and inquiries can be a red flag!

You can update your company's address by submitting a Data Verification Request by clicking on the appropriate button below:

•  If you were referred by a loadboard, please select the option below:
Loadboard Referral
•   For all non-loadboard requests, please select this option:
Data Verification Request

The Fair Credit Reporting Act requires US consumer credit agencies to disclose the names of sources specific to payment experience on their consumer reports. However, the Fair Credit Reporting Act only applies to consumer (personal) credit and since the reporting of trade experience in an Ansonia report involves commercial credit, Ansonia is not required to disclose contributor information.

Since business credit reports do not use consumer data, there is no regulation associated with them.

If you have further questions regarding your credit report/score, you can submit a Data Verification Request by choosing from the following options:

Loadboard Referral:
Loadboard Referral

Non-Loadboard Referral:
Data Verification Request