Identifying a problem account, before itís too late, reduces your exposure to bad debts. Credifax publishes two bulletins each week that keep you informed! Our Early Warning Report (EWR) and Credifax Legal Report (CLR) bulletin services are designed to keep you informed of deteriorations in your customersí credit worthiness. Donít be the last to learn that a customer is experiencing difficulty. Improve your reaction time through early detection of problems. CredinetTN alerts are electronically submitted to credit group members on a real-time basis from other group members.