EQUIFAX
COMMERCIAL CREDIT REPORT
BERSHWICK ENTERPRISE INC
11 ALLSTATE PKY SUITE 110 REPORT DATE : FEB 02, 2007
MARKHAM, ON FILE OPENED : AUG 19, 1998
L3R9T8
FILE NUMBER : 0035199454
TELEPHONE : 888-555-4499 SUBJECT NUMBER : HK4068
REFERENCE NUMBER :
REQUESTOR ID :
* * * SUMMARY * * *
CREDIT INFO SCORES PAYMENT
1 TRADE SUPPLIERS OWED 184 * 10 CURRENT NA *
3RD PERIOD PAST DUE OWED 0 OR 0% * 18 4Q2006 NA *
CURRENT OWED 0 OR 0% * 14 4Q2005 NA *
HIGHEST CREDIT RPTD 184 * 20 4Q2004 0 *
RETURNED CHEQUES ..... 0 FOR 0 LAST RETURNED CHEQUE ..
COLLECTION CLAIMS .... 0 FOR 0 LAST CLAIM ............
LEGAL SUITS .......... 0 FOR 0 LAST LEGAL SUIT .......
JUDGMENTS ............ 0 FOR 0 LAST JUDGMENT .........
OTHER ITEMS .......... 0 FOR 0 LAST OTHER ITEM .......
CREDIT INFO SCORE BECOMES 70 WHEN DATA IS RECEIVED FROM THE SUPT OF BANKRUPTCY
DATA IS PURGED AT 5 YEARS. THE CI SCORE IN THE TREND SECTION IS NOT AFFECTED.
* * * TRADE ITEMS * * *
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SUPPLIER'S NAME/INDUSTRY TERMS AMOUNT/PAY HABITS/COMMENTS
RPTD OPEN CREDIT CREDIT HIGH TOTAL CURRENT PAST DUE/PAY PERIOD
DATE DATE LIMIT LIMIT DT. CREDIT OWING $ 1ST 2ND 3RD
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WHOLESALE-ELEC EQUIP:
*AUG 0 184 184 0 184 0 0
------- ------- ------- ------- ------- -------
P.I. = 33 TOTAL 184 184 0 184 0 0
REPORTED ------- ------- ------- ------- ------- -------
NOTE: * INDICATES THE DATA WAS SUPPLIED BY AN ACCOUNTS RECEIVABLE SUBMISSION.
NOTE: # INDICATES LONG TERM SECURED DEBT, WHICH IS NOT INCLUDED IN THE PI AND
CI CALCULATION.
IN SOME SITUATIONS, PAYMENTS BEYOND TERMS CAN BE A RESULT OF MISPLACED
INVOICES OR DISPUTED ACCOUNTS.
* * * PAYMENT TRENDS * * *
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PAYMENT C.I. NUMBER OF TOTAL CURRENT OVERDUE
QUARTERS INDEX SCORE SUPPLIERS OWING $ 1ST 2ND 3RD
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4 QTR/2006 NA 18 0 0 0 0 0 0
3 QTR/2006 33 15 1 184 0 184 0 0
2 QTR/2006 NA 14 0 0 0 0 0 0
1 QTR/2006 NA 14 0 0 0 0 0 0
4 QTR/2005 NA 14 0 0 0 0 0 0
3 QTR/2005 0 14 1 1,812 1,812 0 0 0
2 QTR/2005 NA 14 0 0 0 0 0 0
1 QTR/2005 0 14 1 380 380 0 0 0
4 QTR/2004 0 20 2 5,720 5,720 0 0 0
* * * BANKING INFORMATION * * *
REPORTED ON: 748408 ONTARIO INC/CMS HARDWARE CANADA
DATE: 2004/11/04 FILE NUMBER: 0027218814
SUBJECT NUMBER: EJ8557
CANADIAN IMPERIAL BANK OF COMMERCE
300 WEST BEAVER CREEK RD SUITE 201
SUITE 201-300 WEST BEAVER CREEK RD
RICHMOND HILL, ONTARIO, L4B3B1
BRANCH: 010, TRANSIT: 03742
REF. PHONE: (905) 886-8668 REF. FAX: (905) 886-8722
THE BANKER REQUIRES AN ACCOUNT NUMBER.
** ** BANK INFORMATION UPDATES ARE AVAILABLE AT A REASONABLE COST - TEL.
1-800-567-2370 ** **
* * * OTHER FILES INCLUDED IN THIS REPORT * * *
748408 ONTARIO INC. FILE NUMBER : 0027218814
11 ALLSTATE PKY SUITE 110 SUBJECT NUMBER : EJ8557
MARKHAM, ON L3R9T8
748408 ONTARIO INC FILE NUMBER : 0070506491
11 ALLSTATE PKY SUITE 110 SUBJECT NUMBER : WU3800
MARKHAM, ON L3R9T8
* * * RECENT INQUIRIES * * *
FEB 02, 2007 BANK
JAN 19, 2006 BUSINESS SERVICES
FEB 08, 2005 WHLSL-ELECTRONIC PTS
* * * CREDIT INFORMATION SCORE * * *
THE CURRENT CREDIT INFORMATION SCORE IS THE TOTAL OF THE FOLLOWING FACTORS:
YEARS ON FILE 0-1 1.1-2 2.1-4 4.1-9 9.1+
SCORE ................................ 10 8 6 4 0 = 0
CURRENT PAYMENT INDEX 51+ 41-50 31-40 21-30 0-20
SCORE ................................ 10 7 5 4 0 = 0
NUMBER OF TRADE PAYMENT REFERENCES 0-1 2-3 4-6 7-10 11+
SCORE ................................ 10 8 5 3 0 = 10
LAST QTR, PI VS SAME QTR, LAST YEAR 41+ 21-40 11-20 6-10 0-5
SCORE ................................ 10 8 6 4 0 = 0
NUMBER OF NEGATIVE OCCURRENCES 10+ 8-9 5-7 2-4 0-1
SCORE ................................ 10 8 5 3 0 = 0
LAST NEGATIVE OCCURRENCE (MONTHS) 1-2 3-4 5-6 7-12 12+
SCORE ................................ 10 7 4 3 0 = 0
AMT. NEG. OCC, AS % OF CURRENT OWED 100% 51-99% 11-50% 1-10% 0%
SCORE ................................ 10 8 5 2 0 = 0
CREDIT INFORMATION SCORE = 10
CREDIT INFORMATION SCORE = CI
7 RISK ELEMENTS IN EVERY CREDIT REPORT ARE RATED BETWEEN 0 AND 10. ADDED
TOGETHER, THESE 7 RATINGS ARE THE "CI SCORE" WHICH RANGES BETWEEN 0 AND 70.
THE HIGHER THE NUMBER, THE HIGHER THE RISK. A SCORE LESS THAN 10 MEANS A
LOWER RISK, WHILE A SCORE ABOVE 30 IS A HIGHER RISK.
PAYMENT INDEX = PI
THE PI IS THE AVERAGE NUMBER OF DAYS BEYOND THE PAYMENT DUE DATE FOR ALL
ACCOUNTS. AN AVERAGE PI IS 22. A PI OF 0 MEANS ALL SUPPLIERS ARE PAID WITHIN
TERMS. A PI OF 100 MEANS ALL SUPPLIERS ARE IN THE 3RD PERIOD PAST DUE.
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END OF REPORT
| Explanation of The Credit
Info Score and Payment Score |
| (Both contained in the Summary
Section of this Report) |
| A Canadian company's CREDIT INFO
SCORE can range from 0-70, details as follows; |
| C.I. Range: |
Risk Factor |
| 0 - 11 |
Minimal |
| 12 - 23 |
Average |
| 24 - 35 |
Marginal |
| 36 - 47 |
High |
| 48 - 59 |
Very High |
| 60 - 70 |
Poor |
| PAYMENT SCORE |
A Canadian company's Payment Score can range from 0 - 100. the
closer the score is to "Zero", the better it pays its
suppliers.
The score is similar to days-beyond-terms. Someone
with a score of 60 would be paying their bills at approximately 90
days, which is when many companies traditionally start placing their
accounts for collection. Analysis shows that Canadian businesses pay
their bills within approximately 54 days on average. This would
translate into a Payment Score of 24. Fifty percent of all Payment
Scores are under 20 and seventy five percent under 30. When a
company reaches a Payment Score of 40 one would expect to see
collection claims being placed. A Payment Score of 40 indicates the
bills are paid at about 70 days on average, some slower, some
faster. |
|
