> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lendflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Experian Credit Status

## 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

1. Authenticate with a Bearer integration token that can access the application and run underwriting services.
2. Call [Enrich Business Credit Application](/api-reference/workflow-management/enrich-business-credit-application) at `PUT /api/applications/{application_id}/enrich`.
3. Set `provider` to `experian_credit_status`.
4. Do not send `options`.
5. Include `stage_id` only when the application's workflow requires a specific underwriting stage.
6. Confirm that the response contains `data.onqueue: true`.
7. Poll [Get Commercial Data](/api-reference/workflow-management/get-commercial-data) with `services[]=experian_credit_status`.

```json theme={"system"}
{
  "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

```json theme={"system"}
{
  "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

<AccordionGroup>
  <Accordion title="Which service ID should I use?">
    Use `experian_credit_status`.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="Do I need to supply an Experian BIN?">
    No. Lendflow uses the stored BIN or automatically attempts Business Match when it is missing.
  </Accordion>

  <Accordion title="Should I send options?">
    No. Credit Status has no service-specific options.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>