The creditors club includes large scale producers and suppliers of chemical products applicable in agrotechnologies, polygraph, polymer, varnish & paints industries that currently take use of sales through deferred payment schemes (commercial installment loans or credit).

Club framing started in 2000 when the largest suppliers of plants chemical protection materials made a partnership with the Dun & Bradstreet Corp.,the world wide known credit agency was formed . However on initial stage its activity was limited to exchange of information on commercial installment credit for companies with delinquent payments.

The successful launching of non-commercial ( not-for-profit ) partnership “The National Credit Bureau”a decision was made to develop thoroughly up-date software . It facilitated tackling with the major issue, i.e.contractionary effect on exchange of information about honest consumers between creditors thus encouraging the rise of actual credit histories and protecting customers lists of club participants.The problem was solved by launching a new genera-tion software system that offers the opportunity to unlimited number of club participants to form the ever longest list of their consumers protected against unauthorized access to the information.Only in the case of delinquent pay-ments or new credit obligations of the consumer included in the club partici-pant’s list on the part of another supplier or suppliers the monitoring system automatically unifies this information and makes creditors know about these matchings . Thus the payment profile is being formed.

Such tool permits to protect information on the entire community of partners and agents of the club participant, to control payment habits only those con-sumers that borrow simultaneously from many creditors. When there appears a new potential buyer of the club participant’s product or the company not included in his or her customer list apply to cooperate our system throughout direct identification varifies the availability and outlook of credit history. The system of organized information exchange within the lenders club is de-signed for specialized groups of middlemen and consumers. Yet the ex-changed is not restricted to the club only.Monitoring of outstanding debt is carried out for all customer lists of the information system.

The system encourages efficient actions against fraud and assists to reduce non-payments risks and to develop sales network for cooperating with the companies that are well reputed and enjoy a high credit rating.