F&D Reports was launched in 1992 at the suggestion of credit professionals, who were in search of an industry-specific credit consulting service. F&D Reports monitors publicly & privately held retailers in all facets of the industry, including: Restaurants, Convenience Stores, Deep Discounters, Drug/Pharmaceutical, Foodservice, Grocery, and Mass Merchandisers. Our goal is to deliver the critical information today's busy credit executive needs to make a highly informed credit decision without sifting through pages of non-essential data. A privately held corporation, F&D Reports is headquartered at 310 East Shore Road in Great Neck, NY and is affiliated with Information Clearinghouse, Inc. (ICI) through common principals and officers. The three key executives of F&D Reports collectively have close to 100 years of credit and insolvency management experience and, as such, the Company is uniquely positioned to provide a perspective superior to other financial reporting services.
For General Inquiries, please email contactus@fdreports.com.

The F&D Reports Team
Larry Sarf President & CEO
larrys@fdreports.com 800-789-0123 Ext. 102

For more than 50 years, Lawrence Sarf has provided his clients hands-on expertise and knowledge with respect to financially troubled companies operating across numerous retail and wholesale segments. His unparalleled background has afforded those clients with the time-sensitive intelligence needed to avoid costly bankruptcies and working capital draining slow receivables. Over several decades, Larry has been sought out to evaluate countless acquisitions and divestitures. Additionally, he has served in a consultant and/or advisory capacity to scores of creditors' committees in both bankruptcy and out-of-court settings. In 1990, Larry was formally recognized with the distinction of Bankruptcy Expert by the Chief Bankruptcy Judge of the Southern District of New York. He's not only been appointed as operating receiver and Bankruptcy Advisor in a number of bankruptcies, but he has personally overseen well over 1,000 insolvency proceedings. With Larry's extensive background and unique insights, he's been coined the "best in the business." !

Joshua Suffin President, Real Estate
joshs@fdreports.com 800-789-0123 Ext. 172

Soon after attaining his BA in Entrepreneurship from Hofstra University, Josh joined Creditntell in September of 2011. Over the course of the next two years he utilized his skills to introduce new marketing initiatives and create new product offerings, with a concentration in the retail real estate segment, earning a promotion to Chief Production Officer. Through his diligent efforts with key players in this growing customer base he has been able to innovate a new array of services and networking events tailored to meet this diverse industry's specific needs and applications. Equipped with extensive real estate expertise and an expansive network, Josh was appointed President of Real Estate Services and now leads the company's efforts with this major sector.    

Robert Marzo Chief Of Staff/Division President - ARMS
robertm@fdreports.com 800-789-0123 Ext. 173

Robert joined F&D Reports as a financial analyst in June 2004. Immediately prior to joining F&D Reports, Robert worked as a business analyst at a Fortune 500 company where he provided business support in various areas, including the preparation and submission of monthly and year-end P&L reports. As Division President, Robert oversees the daily operations of the credit department, including managing the website, developing products as well as client relations. Robert is also the head analyst of the foodservice segment. Robert graduated from Stony Brook University with a degree in Economics and Business.

Steve Dove Advisor to the President, F&D Reports
steved@fdreports.com (800)789-0123 Ext. 121

Steve joined Information Clearinghouse in 1998 after a 25-year career with Borden, Inc. (a multi-national conglomerate) where he gained extensive knowledge of virtually all facets of treasury, from finance and credit/receivable management to distribution and marketing. In addition, Steve participated in bank facility negotiations, M&A activity, and rating agency presentations. He was active on the boards of directors at several national trade credit groups, including the National Food Manufacturers Credit Group where he served as vice chairman of the Trade Relations Committee and vice chairman of the Claims Committee. He has extensive understanding and expertise in the defense of Avoidance Actions with emphasis on Preferential Transfers. In that capacity he has successfully defended dozens of Trustee demands with a very high success rate delivering settlements averaging less than 10% of the initial demand. He has been recognized and appeared as an Expert Witness in Federal Bankruptcy Court as relates to credit management Industry Practice. In his current position, he oversees all matters with respect to the F&D Reports division of ICI.

Kevin Slack Advisor to the President, Creditntell
kevins@fdreports.com 800-789-0123 Ext. 103

Kevin Slack's areas of expertise are in the retail and wholesale food and drug industries, where he spent 25 years in senior credit management positions with Sterling Drug Co. and Ward Foods. While in these positions, he gained extensive experience in all facets of the order cycle, including Credit Risk, DSO, Deductions/Dilution and Bad Debt Best Practice receivable process improvements, as well as A/R Systems implementation and integration. Kevin was an industry peer group leader in food, health and beauty care and pharmaceuticals. Kevin served as chairman of the National Health & Beauty Care Credit Group, as a member on the Trade Relations Committee of the NHBCG and the National Food Manufacturers Credit Group, and was a co-founder of the National Candy and Tobacco Manufacturers Credit Corp.

Chuck LeWinter Vice President of Sales & Marketing
chuck@fdreports.com 800-789-0123 Ext. 150

When Chuck joined Creditntell.com, he brought with him over 25 years of sales and marketing experience. As a previous owner of a sportswear manufacturing company, Chuck has maintained relationships with the leading department stores, mass merchants and specialty retailers throughout the country. He has firsthand knowledge in all areas of ""compliance,"" including chargebacks, deductions, freight, packaging, assortments and markdowns. Chuck has served on a creditors' committees and fully understands the demands and challenges of a credit department. His comprehensive understanding of all products and services at Creditntell.com have contributed greatly to Creditntell.com's growth.