Yes, there are both tools and benefits; Portfolio Risk Analysis, Account Monitoring are both valuable tools included for data contributors. We do ask you to contact us to have the options enabled for your login code. There are time saving benefits for members participating in credit groups and there are statistics that show companies that contribute data have better receivables and financial strength. If a new bank opened up and said they make loans but don’t report past due or current balances, how long would they be able to stay in business?