Credit History Report (CHR)

The Credit History Report (CHR) provides more robust small-business credit data while reducing costs and increasing efficiency. Helping facilitate a thorough review of the borrower's credit quality during the application review process, the Credit History Report provides borrower profiles summarized in multiple ways.


  • Provides a better indicator of credit quality and capacity versus net 30 trade data
  • Enables better-informed lending and portfolio management decisions
  • Reduces the cost and increases the efficiency of access to small-business credit data

About the Credit History Report

The Credit History Report provides unprecedented detail for each business borrower and affords a lender the opportunity to see how that borrower has handled similar transactions. 

High-level summary information of all obligations for a given borrower is presented in a concise table outlining how the borrower has historically handled its obligations as well as the aggregate amount owed and how much of that amount has been paid down.

Payment histories on each individual obligation are presented on a contract-by-contract basis, summarized by each lender with which the borrower has done business. The detailed information that facilitates this apples-to-apples comparison includes such items as collateral type, financing product, guarantor indicator, term and payment frequency, repayment status and levels of historical and current delinquency.

Access to the CHR can be handled via two web-based methods: PayNet On-Line®; or the low cost, high volume PayNet Direct® solution.

To purchase the Credit History Report or to learn more how CHR can improve your decision making, contact us today.