Benefits Benefits of the Credit Reports Increases the efficiency in client selection. Helps to determine adequate credit conditions for a client, depending on the level of risk involved. Provides access to other antecedents: payment behaviour and requests for extension of payment dates with other suppliers, anticipated warnings, etc. Allows the outsourcing of client evaluation and credit risk decisions, freeing resources and avoiding conflicts amongst sales, credit and collection areas. Minimizes debt collection expenses. Also: No maintenance costs, annual or monthly fees. Access to InfoNet , an online system that allows you to view your credit reports anytime and anywhere.