Consumer Credit Check (B2C)
Sound B2C credit decisions based on the latest solvency information
You’d like to grant a private consumer credit? Or offer your customers purchase on account? To avoid bad debts, you’d be wise to check their creditworthiness beforehand!
Product overview “Consumer Credit Check”:
Any company in the business of granting financial or consumer credit to private individuals may call up the Boniversum GmbH B2C data pool. The company must, however, have a legitimate interest in accessing that data under Germany’s Federal Data Protection Act (BDSG).
Quick and convenient: The Consumer Private Personal Report is available in five different product variants: Consumer Compact, Consumer Plus and Consumer Premium, as well as Consumer Check and Compulsory Execution Compact. The Compulsory Execution Compact report is a variant of Consumer Compact for use by public authorities.
Consumer Compact & Compulsory Execution Compact
Creditreform members who access this essential end-consumer solvency data do not need to deliver their own payment experiences to the Boniversum data pool. The Compulsory Execution Compact variant is aimed at the public administration sector.
This variant contains all the detailed information of the Consumer Compact variant, plus negative payment experiences relating to private individuals from the Boniversum data pool. Members who use these data deliver their own negative experiences to the Boniversum pool in return.
The Consumer Check report is a compact information variant. It contains the risk class from the Consumer Plus report plus a verification of the provided address. Creditreform members requesting Consumer Check must also submit their own negative payment-experience data to the data pool.
Consumer Premium contains the data in the Consumer Plus variant, plus positive payment experiences from the Boniversum data pool. Creditreform members requesting Consumer Premium must also submit their own positive experiences to the data pool, and require the data subjects’ written consent to do so.
Our Consumer Address service determines peoples’ (new) addresses and, in doing so, compares your data with the latest, relevant databases on deaths and changes of address. Information can also be optionally requested from the public offices that register citizens’ residential addresses (Einwohnermeldeamt). Your customer-acquisition and receivables-management processes will enjoy effective efficiency improvements by using deliverability-confirmed addresses. Consumer Address inquiries can be submitted from a Web browser as a sub-function of the Consumer Web application.
- Access to a data pool containing ca. 100 million records of personal data
- For every credit decision, the optimal product variant, each with its own tiered contents (Consumer Compact, Consumer Plus, Consumer Check and Consumer Premium).