Experian Credit Status

Experian Credit Status returns high-level commercial credit activity for a matched US business. The Experian Credit Status Workflow Builder block is in the Credit Status category, supports business entities, and runs one service:

Service	Service ID	Purpose
Credit Status	`experian_credit_status`	Returns tradeline counts, balances, days beyond terms, recent high credit, years on file, and inquiry count.

Purpose

Use Credit Status for a concise view of a business’s reported payment and commercial-credit activity. It does not return the detailed tradeline list and is not a Lendflow approval or decline decision.

Requirements

Application field	Requirement	Notes
Existing Experian BIN	Conditional	Required unless automatic Business Match is used.
Business legal name	Conditional	Required for automatic Business Match when no BIN is stored.
Business city	Conditional	Required for automatic Business Match when no BIN is stored.
Business state	Conditional	Required for automatic Business Match when no BIN is stored; use a valid US state.
Business country	Required	Use `US`.
Business street	Optional	Improves match quality.
Business ZIP code	Optional	Improves match quality; use a valid US ZIP code.
Business telephone	Optional	Improves match quality; use a valid US phone number.
EIN	Optional	Improves match quality; use a valid EIN.

When no BIN is stored, Lendflow runs Business Match before requesting the report.

API flow

Authenticate with a Bearer integration token that can access the application and run underwriting services.
Call Enrich Business Credit Application at PUT /api/applications/{application_id}/enrich.
Set provider to experian_credit_status.
Do not send options.
Include stage_id only when the application’s workflow requires a specific underwriting stage.
Confirm that the response contains data.onqueue: true.
Poll Get Commercial Data with services[]=experian_credit_status.

{
  "provider": "experian_credit_status"
}

The request is asynchronous. data.onqueue: true means Lendflow queued the job; it does not mean Experian returned a result.

Commercial-data path	Content
`commercial_data.experian.credit_statuses`	Normalized provider result.
`statuses.experian.credit_statuses`	Latest Lendflow lifecycle message.
`request_data.experian.credit_statuses`	Stored request containing the BIN and subcode. Treat both as sensitive operational identifiers.

Internally, Lendflow sends a POST request to Experian’s /businessinformation/businesses/v1/creditstatus endpoint.

Data Orchestration availability

Experian Credit Status is not exposed as an operation in the current Data Orchestration service catalog. Run it through the Experian Credit Status underwriting Workflow Builder block or the application enrichment API. If no BIN is stored, either path automatically attempts Experian Business Match first.

What the service returns

Response area	Meaning
`businessHeader`	Identity record for the matched Experian business.
`combinedTradelineCount`	Count of new and continuously reported payment experiences.
`combinedAccountBalance`	Combined current and past-due balance across those tradelines.
`currentDbt`	Current dollar-weighted days beyond terms (DBT).
`combinedRecentHighCreditAmount`	Highest combined account balance reported during the recent period.
`yearsOnFile`	Years the business has been present in Experian’s commercial database.
`inquiryCount`	Recent commercial credit inquiries reported for the business.

Representative response

{
  "businessHeader": {
    "bin": "123456789",
    "businessName": "EXAMPLE BUSINESS LLC",
    "address": {
      "street": "100 MAIN ST",
      "city": "AUSTIN",
      "state": "TX",
      "zip": "78701",
      "zipExtension": null
    },
    "phone": "+15125550100",
    "taxId": null,
    "websiteUrl": "example.com",
    "legalBusinessName": "EXAMPLE BUSINESS LLC",
    "dbaNames": null,
    "customerDisputeIndicator": false
  },
  "combinedTradelineCount": 2,
  "combinedAccountBalance": 9800,
  "currentDbt": 5,
  "combinedRecentHighCreditAmount": 9900,
  "yearsOnFile": 3,
  "inquiryCount": 29
}

Response attributes

Attribute	Type	Meaning	Possible values or units	When returned
`businessHeader.bin`	String	Experian BIN for the matched business.	Provider identifier, commonly nine digits.	When available.
`businessHeader.businessName`	String	Business name on the matched record.	Provider text.	When available.
`businessHeader.address`	Object	Matched business address.	`street`, `city`, `state`, `zip`, and `zipExtension`.	When address data exists.
`businessHeader.address.zipExtension`	String or null	ZIP+4 extension.	Four-character string or `null`.	When Experian has it.
`businessHeader.phone`	String or null	Business telephone.	Provider-formatted telephone or `null`.	When available.
`businessHeader.taxId`	String or null	Tax identifier returned by Experian.	Sensitive string or `null`.	When available.
`businessHeader.websiteUrl`	String or null	Business website.	Provider URL text or `null`.	When available.
`businessHeader.legalBusinessName`	String or null	Verified legal name.	Provider text or `null`.	When available.
`businessHeader.dbaNames`	Array of strings or null	Doing-business-as names.	Zero or more names, or `null`.	When available.
`businessHeader.customerDisputeIndicator`	Boolean	Whether the business disputed profile information.	`true` or `false`.	When returned.
`combinedTradelineCount`	Number	New and continuously reported payment experiences.	Count.	When returned.
`combinedAccountBalance`	Number	Sum of current and past-due balances across combined tradelines.	Numeric monetary amount; no currency field is included.	When returned.
`currentDbt`	Number	Dollar-weighted average days the business pays beyond invoice terms.	Days.	When returned.
`combinedRecentHighCreditAmount`	Number	Highest combined account balance in the provider’s recent period.	Numeric monetary amount; the existing Experian contract describes a 12-month period.	When returned.
`yearsOnFile`	Number	Time in Experian’s commercial database.	Years.	When returned.
`inquiryCount`	Number	Recent commercial credit inquiries.	Count; the existing Experian contract describes a nine-month period.	When returned.

Errors and statuses

Condition or value	Meaning
`No Business found - {business name}`	Automatic Business Match did not return a BIN, so Credit Status was not requested.
`Country code is required to authenticate with Experian`	The business address lacks the country context required for authentication.
`Unable to retrieve Experian bearer token`	Experian authentication returned no access token.
BIN or subcode validation error	The provider request requires both values as non-empty strings.
Provider or HTTP error	Experian rejected the request or returned an error.
`Not yet started`	Lendflow has no service log for Credit Status.
`Started`	Lendflow started the job.
`Success`	Lendflow stored a successful provider response.
Error message	The job failed; inspect the latest message.

FAQ

Which service ID should I use?

Use experian_credit_status.

Is an EIN required?

No. EIN is an optional automatic Business Match input. Business legal name, city, and state are required if Lendflow must obtain a BIN.

Do I need to supply an Experian BIN?

No. Lendflow uses the stored BIN or automatically attempts Business Match when it is missing.

Should I send options?

No. Credit Status has no service-specific options.

Can this service run in Data Orchestration?

It is not in the current Data Orchestration service catalog. Use its underwriting Workflow Builder block or the enrichment API.