This is a question we are often asked by our customers. How can it be that we offer credit reports from only $12.95 whereas the price of a credit report from our suppliers is many times higher. This has a number of reasons.
First, we purchase the credit reports from our suppliers in bulk. To this end we have a valid reseller agreement with our suppliers. In addition, we offer the credit reports on an individual basis. The credit reference agencies in the United States generally offer credit reports in the form of a contract. Because their model is not based on per-item transactions, the price will be many times higher if they nevertheless offer credit reports on an individual basis. We apply a per-item model and our system is entirely geared towards that model. Even though we sell credit reports on a per-item basis, the numbers of credit reports sold are very high and we still realize a healthy margin. In addition, all our transactions are conducted online, which means that we incur relatively few costs and we can keep the price of credit reports very low for our customers.
Finally: we want to improve payment morality. Payment morality in the United States leaves much to be desired, which has an adverse effect on the economy and employment. Improving payment morality is only possible if everyone has the option to order a credit report quickly, easily and cheaply. This is why the threshold for ordering a credit report must be as low as possible. So that every company has proper insight into its debtors. So that companies that have no money actually stop ordering products and services all the same.
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