If Experian and/or Dun & Bradstreet could not find a match for a business or organization on your application when pulling business reports, a list of possible matches, or List of Similars, is returned so that you can choose the appropriate business or organization from the list and then retrieve the reports for that selected business or organization. When your business bureau search returns a List of Similars, the application is automatically rerouted to the Edit task. In the Edit task, you can open the Application page and revise the business information and refine your bureau search.
Because bureau reports can be pulled from different sources, the way you interact with the returned List of Similars also differs based on the source of the list. Regardless of how you refine the business information, click the Complete button at the bottom of the Application page to resubmit the revised application to pull the appropriate business bureau report and/or score, as applicable.
Applications scored by Fair Isaac - pre-SBSS 7.0: FICO returns the List of Similars for businesses as a system message. When you open the Application page in the Edit task, expand the System Messages section to review the list of possible business matches. Locate the business you want in this list, and use that information to update the General Business Information section.
Applications scored by Fair Isaac - SBSS 7.0: If an SBSS 7.0 application which does not contain a bureau file number is submitted to a credit bureau which has business data similar to existing businesses on file, the List of Similars dialog is created, listing the business(es) that could be the actual business that is associated with the application. When you attempt to submit an application to decision without the bureau identifier and do not indicate NO-REPORT, Origination will automatically either find an exact match for the business information, in which case the application is processed to the Decision task, or the system will attempt to find businesses similar to the one you entered. If successful, Origination will route the application to the Edit task and allow you to select a similar business from the List of Similars. Unlike previous SBSS versions which force the user to scroll through a text-only display of potential business matches on the System Messages tab, SBSS 7.0 provides for a selectable list which is accessed from the Action menu on the Business tab. Therefore, if upon submission your application is routed to the Edit task, you will see a System Message regarding the List of Similars, and you can then go to the Business tab, select the Action menu, and select List of Similars from the dropdown. From the list, you can either pick one of these suggested businesses and re-send the application, or continue with the original business with NO-REPORT populated in the Experian\D&B D-U-N-S Number field. If no businesses are returned and no List of Similars is created,a message will still be displayed in the System Messages tab indicating that NO-REPORT should be used. List of Similars functionality does not apply to applications submitted to the Equifax Commercial business bureau.
Applications scored by Experian Net Connect (Intelliscore): Experian Net Connect returns the List of Similars as individual business listings. When you open the Application page in the Edit task, expand the General Business Information section. Click the
icon
on the Business subsection
to open the List of Similars
dialog.Select a business name from the list and click OK. Any information that was not already completed on the Application page is updated with the information for the business you chose. For example, the Experian/D&B D-U-N-S Number field is completed with the data for the business you selected.
Judgmental applications: MicroBilt returns the List of Similars as individual business listings. When you open the Application page in the Edit task, expand the General Business Information section. Click the Action menu (
) on
any Business subsection
and choose the List of Similars option to open the List of Similars dialog.Select a business name from the Experian Similars or Dun & Bradstreet Similars list and click OK. Any information that was not already completed on the Application page is updated with the information for the business you chose. For example, the Experian/D&B D-U-N-S Number field is completed with the data for the business you selected.
Note: For judgmental applications, business bureau reports are saved as attachments and are available from the Documents Page.