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About Financial Profiles

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End users create a financial profile to perform a credit check on the customer. To verify a customer's credit, Siebel eCommunications submits a request to a back-office system or credit bureau. The back-office system or credit bureau sends back a response that includes a credit score that determines if the customer is authorized by internal credit policy to subscribe to services. These back-office systems perform credit checks for incorporated businesses or individuals.

Some fields in the Financial Profiles form are described in Table 11. However, different fields may appear according to the Account Type you selected (for example, Residential as the Account Type).

Table 11.  Financial Profile Fields

Section	Field	Comments
PROFILE	Contact Last Name and First Name	Contact for the account. This field is automatically populated with the name of the contact specified in the Primary Contact field.
	Corporate Number	This may be a business number as provided by a state, county, or city government.
	Legal Entity	Legal name of the company or corporation.
	Tax Profile Code	Displays the code from standard tax categories that classify companies according to their tax aspects. This information is stored in an external billing or credit/tax system.
BANK		Customer's bank information for the credit check.
CREDIT RATING	Last Update	Date the last credit check was performed.
	Rating	Credit rating of the customer.
	Source	Group that did the most recent credit rating.
	Update By	The user ID of the person who last requested a credit check.

To run a credit check

Set up the financial profile (see To create or update a profile and About Financial Profiles for instructions).
In the Financial Profile form, click Credit Check.

This sends the financial profile information to an external system, which reports a credit rating. The credit rating typically is produced by a credit bureau and indicates the customer's ability to pay. It helps companies to assess their risk before agreeing to credit terms with a potential customer.

NOTE:  Credit check data for an incorporated business or an individual consists of business name, billing address, corporate ID, and tax ID. For an unincorporated business, credit check data includes name, social security number, and driver's license.

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