Credit research companies are specialized organizations that collect and analyze corporate credit information and provide that data to various businesses. It is widely known that specialized credit research companies are utilized when conducting credit investigations or anti-social force checks. We will explain the advantages and disadvantages of using credit research companies.
The primary advantage of using credit information obtained through credit research companies is its high reliability. You can obtain a wide range of corporate information, including basic data such as capital and number of employees, as well as payment delay information and credit ratings.
While using credit research companies allows for the collection of a wide range of credit information with high precision, it incurs investigation costs. You must carefully consider these costs, especially when you need to investigate a large number of companies.
Additionally, for new investigations where the target company is not already registered, it generally takes about one month or more to complete the research, and in some cases, additional fees may be required to shorten the investigation period.
What Is a Primary Credit Check?
Before engaging a credit reporting agency, there are steps your company can take independently. This is known as a primary credit check. To reduce operational costs, conducting an internal primary check before commissioning a professional credit report is essential.
Verify the Corporate Registry
Because it is legally impossible to include false information in a corporate registry, it serves as a highly reliable source for verifying a company's creditworthiness. Methods for checking the registry include requesting a certificate of registered matters at a Legal Affairs Bureau counter or by mail, or using the online registry information service. Since both methods incur costs, it is necessary to select and obtain only the required information based on your specific objectives to keep investigation expenses under control.
Conduct Internet Research
You can conduct research by searching for industry-specific negative keywords. Perform searches by combining the company name or representative's name with terms such as "organized crime," "arrest," "reputation," or "violation."
Since there are various types of negative keywords, it is necessary to establish internal rules regarding which keywords to use and share them across the team. While you can refer to official websites or industry news pages, you should consult with specialized agencies if you find it difficult to interpret or make judgments based on the information obtained through internet searches.
Conduct On-Site Investigations
Another method is to visit the target company in person. This allows you to directly observe the behavior of senior management and employees, as well as the condition of office equipment and facilities, making it easier to grasp the actual situation.
If you intend to maintain a long-term business relationship, current trust is vital. Therefore, when visiting or conducting interviews, you must exercise extreme caution and consideration to ensure that the company does not realize they are being investigated. Additionally, direct on-site investigations are difficult if the target company is located far away.
Utilize Corporate Databases for Research
You can also conduct credit research by leveraging corporate databases. "uSonar," which is based on LBC, the largest corporate database in Japan, enables simplified credit checks by combining its proprietary scoring system with a database of companies requiring caution.
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