Credit decisions require the best, most up-to-date information on the company in question and as a result, eCredit is integrated with a diverse array of U.S. and international data and analytics providers.

Experian

Experian is a global leader in providing information solutions to organizations and consumers. In the business-to-business marketplace, Experian's Business Information Solutions group provides marketing and credit solutions that enable organizations to make better business decisions through each phase of the customer lifecycle. The company's business databases provide comprehensive, verified information on more than 19 million companies in the U.S., and include the industry's most extensive data on the diverse small-business market. By leveraging both its commercial and consumer databases, Experian is the only information provider that can provide its customers with unique blended risk solutions that outperform competitive offerings. For more information on Experian's business-to-business solutions, visit the company's Web site at www.experian.com.

Equifax

Equifax Inc. (NYSE:EFX, www.equifax.com) is a global leader in turning information into intelligence. For businesses, Equifax provides faster and easier ways to find, approve and market to the right customers. For consumers, Equifax offers easier, instantaneous ways to buy products or services, and better insight into and management of their personal credit. Headquartered in Atlanta, Equifax employs over 4,500 employees in 12 countries in North America, Latin America and Europe.

Moody's | KMV

Moody's KMV, has over 15 years experience as the leading provider of quantitative credit risk tools to lenders, regulators, investors, and corporations. Moody's KMV tools provide current default probabilities, recovery estimates, valuations and correlations, which institutions use to help run their day-to-day operations. Our suite of tools and services offer institutions a complete solution through all the stages of credit risk management. Serving over 2,000 clients in 80 countries, including the world's largest corporations and financial institutions, Moody's KMV has offices around the world to meet the demands of its global customer base. To learn more visit their website www.moodyskmv.com.

Reuters

Reuters, through its Reuters Research (Multex) services, provides global broker and independent research, consensus and detailed analyst estimates, and comprehensive fundamental and business information on more than 25,000 active companies worldwide. In addition, Reuters also offers events calendar, SEC filings, market data and other third-party information.

Through multiple delivery channels, we serve the information needs of investment management firms, brokerages and investment banks, corporations, and individuals. Our clients can choose from data files and XML APIs, proprietary research sites and custom-built platforms.

PayNet

PayNet, Inc. manages the data repository for the commercial equipment finance industry, an industry that represents more than $550 billion in assets. With the exclusive endorsement of the Equipment Leasing Association (ELA) this repository has become the nation's largest online database of current and historical lease and loan payment information used for credit decision purposes. Over 60 commercial lenders are Members including eight of the ten largest leasing companies, representing a majority of the net assets in the industry. PayNet uses its proprietary technology and the power of information tools to increase profitability, improve operational efficiency, and reduce credit losses. Founded in 1999, PayNet Inc. is headquartered in suburban Chicago. For more information, visit PayNet at www.paynetonline.com.

Graydon UK

Graydon UK is one of the leading database information providers in credit risk management. The company helps clients reduce the uncertainty of doing business by providing a complete, differentiated and high-quality package of credit risk management services. Graydon is a founder member of the Eurogate Network, a pan-European alliance of information providers that offer a wealth of real-time management information on the current financial standing of companies throughout Europe. The Graydon group is owned by Gerling NCM, Coface and Hermes, three of Europe's leading credit insurance organisations. With its network of branch offices, partnerships and alliances, Graydon today services the world of commerce from more than 130 offices worldwide. For additional information, visit Graydon on the Web at www.graydon.co.uk.

NACM Tampa

NACM Tampa, the Tampa Service Bureau of the National Association of Credit Management. NACM Tampa's customers and clients are located in Tampa (Local), Florida (Statewide), and throughout the US (National). NACM Tampa services 30 Credit Groups across the Country. They utilize 12 master trade databases in their system, containing well over 2 Million lines of credit trade experience. For more information, please visit www.nacmtampa.com.

PredictiveMetrics

PredictiveMetrics (PMI) turns probabilities into profits by helping customers improve credit and collection department operational efficiency, reduce DSO, decrease bad debt write-offs, and optimize collection effectiveness. PMI is the leader in providing predictive scoring and knowledge-based decision support systems for credit granting, accounts receivable portfolio management, collection prioritization, debt recovery and debt buying. The Company was established in 1995, to provide high quality, cost-effective analytical solutions and predictive scoring in a customer focused environment. PMI has a technical staff comprised of Ph.D. and masters level econometricians and statisticians that have extensive experience developing advanced, statistical-based decision solutions using PMI's proprietary software and state-of-the-art hardware. PMI's internal systems were specifically designed to achieve optimum results in the shortest possible time, thereby providing customers with the most profitable solutions, at a reasonable cost. PMI is a privately held corporation headquartered in Tinton Falls, NJ. For more information, please visit www.predictivemetrics.com or call 732-530-9303.

Australian Business Research

Australian Business Research Pty Ltd, otherwise known as ABR, is an Australian owned and controlled credit reporting and business information organization. ABR provides a wide range of information services to assist in business, and in particular credit decision making. Services are provided to a large client base including banks, finance companies, accounting and legal firms, manufacturers, wholesalers, distributors and government departments throughout Australia and Internationally. ABR's product range is comprehensive and diverse, and in addition to the full range of Australian Securities and Investments Commission (ASIC) search services, includes a range of other credit and related services. These services range from basic and inexpensive national litigation searches to detailed credit, asset and financial analysis reports used for example in the assessment of larger commercial accounts or (government) tender contracts.

• Credit Reports
• Business Profiles & Research
• Credit Decisioning
• Collections Automation
• Credit Scoring
• Business Verification
• Whitepapers