A multi-agency credit report — we call it a Dual Report — combines credit information from two independent data sources into a single report.
Instead of viewing one credit score in isolation, you get two separate perspectives on a company's creditworthiness, financial strength, and risk profile.
This cross-verification can provide a clearer picture of potential risk and help reduce uncertainty when making commercial decisions.
Different credit agencies may assess the same company differently because they use different data sources, methodologies and scoring models.
By comparing two independent opinions, businesses can:
This additional perspective is particularly valuable when a decision is borderline or involves significant financial exposure.
Example: when two opinions change the decision. A business applies for a £15,000 credit limit. The first agency's score is cautious, suggesting a limit of £8,000. The second agency, drawing on more recent payment data, supports the full £15,000. Seeing both side by side — rather than one score in isolation — gives the credit manager a clearer basis for the decision: start at the lower limit and review again once a payment history builds up, rather than rejecting the application outright or approving it on a single, possibly outdated, view.
Dual Reports are especially useful when businesses need greater confidence before committing to a commercial decision.
They are commonly used when:
Many credit managers use Dual Reports as an additional layer of due diligence when a standard credit check does not provide enough certainty
A Dual Report includes everything in our Level 3 report — full financial summary, payment detail, company structure, legal events and more — plus two things unique to Dual Reports:
See the full report comparison matrix to compare exactly what's included at every report level.
Dual Reports enhance internal credit decisions by providing an additional layer of validation. They support final decision-making, especially when initial assessments are unclear or involve higher exposure risks.
Credit and risk teams utilise Dual Reports to compare evaluations from two independent agencies. This approach shifts the focus from a single credit score to the consistency or variation across sources. Alignment between the agencies reinforces confidence, while discrepancies prompt further review.
Ultimately, this method leads to more consistent decision-making and a clearer understanding of risk tolerance within the organisation.
The Multi-Agency Dual Report combines credit insights from two independent sources, giving you a broader and more reliable view of a company’s financial position.
By comparing two credit opinions side by side, businesses can reduce uncertainty, identify inconsistencies and make more confident credit decisions.
Insight from our Managing Director, Dan Hancocks:
"The Dual Report was built directly from customer and partner feedback, developed over a sustained period to make sure it's a premium product in the market. Most of the industry still works on a single opinion per report. CoCredo noticed that a growing number of customers were already sourcing data from two or more providers themselves to get a second view where opinions might differ — so the Dual Report brings that into one combined report, rather than leaving customers to piece it together from separate sources."
Whether you're checking a new customer, assessing a supplier or monitoring existing trading relationships, CoCredo provides the information and insight needed to manage risk with confidence.
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What is a Dual Report?
A Dual Report combines credit information from two independent agencies into one business credit report.
Why are two credit opinions useful?
They provide a broader view of risk and help identify differences between agencies.
Can I use Dual Reports for international companies?
Yes. Dual Reports are available for UK, Ireland and international businesses.
Are Dual Reports better than standard reports?
They are particularly useful when you need additional confidence for high-value, complex or borderline credit decisions.
Do Dual Reports show recommended credit limits?
Yes. They include cross-verified credit limit information from multiple sources.
How much does a Dual Report cost? Dual Reports cost £23 per report. See our report comparison matrix to compare what's included across all report levels.
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