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

# Evaluate customer credit risk by Experian business credit reports

> Evaluate customer credit risk by ordering Experian business credit reports and view or download historical reports on each customer's detail page without leaving Daylit.

## Purpose

**Experian business credit reports** give **Acme Corporation** third-party credit intelligence inside Daylit — **Jobin (AR manager)** orders bureau data from a customer profile instead of logging into a separate Experian portal.

**When to use:** Order a report when a customer shows a **Credit risk** signal, before escalating a large balance, or when **Maria (VP Finance)** needs external validation before changing terms. From **Customers**, open a **customer detail page** or use the **⋮** menu to **Order credit report**, then view and download past orders for that account on the same page.

**Example:** **Jobin (AR manager)** opens **Apex Solutions** from the **Customers** table, goes to the **Overview** tab on the customer detail page, and clicks **Order**. After confirming the certification, he clicks **View** on the completed Experian business credit report before escalating to **Maria (VP Finance)**. An earlier report on the same profile shows how risk has shifted since last quarter — **Maria (VP Finance)** reviews both when deciding next steps.

## What credit reports are

An **Experian business credit report** is a third-party credit risk report ordered for a specific customer in your portfolio. Each order is tied to the customer record in Daylit and stored as a downloadable file you can reference during collections, credit reviews, and account planning.

## Business credit report certification

Business credit reports may only be ordered for a permissible business purpose. Confirming the purpose of each live pull keeps your orders compliant with the Fair Credit Reporting Act and our data provider's terms, and creates a record of why the report was requested.

Before Daylit submits a live report order, you must check a confirmation box with this summary:

> By ordering this live report, I confirm it is for my company's internal AR, credit, account review, or collections purpose — not for testing, marketing, resale, personal, employment, tenant-screening, or competitor-research use. I will keep the report data confidential and U.S.-based.

Live report orders may be recorded as inquiries. Use an existing recent report when available.

The full terms you agree to when generating a live business credit report:

<AccordionGroup>
  <Accordion title="Permitted purpose">
    You are ordering this report only for a lawful business purpose related to your organization's credit, underwriting, account review, collection, or other approved business transaction with the subject of the report. If the report relates to an individual, sole proprietor, owner, guarantor, or other consumer identity, you have a permissible purpose under the Fair Credit Reporting Act and applicable state law, and you have obtained any required written authorization.
  </Accordion>

  <Accordion title="No improper use">
    You will not order or use this report for personal reasons, curiosity, marketing, lead generation, employment screening, tenant screening, resale, brokering, competitive research, model training, or any purpose not selected and certified above.
  </Accordion>

  <Accordion title="Production orders are real orders">
    You understand that live report orders are not for testing. A report order may appear in the subject's credit inquiry history, including pre-qualification report orders. You will not submit repeated, duplicate, or slightly altered searches for the same subject.
  </Accordion>

  <Accordion title="U.S.-only handling">
    You will access, receive, store, process, transmit, cache, back up, and view the report and report data only within the United States. You will not place the report or report data on foreign servers or allow access from outside the United States.
  </Accordion>

  <Accordion title="Confidentiality and security">
    You will keep the report confidential, restrict access to authorized personnel with a need to know, use reasonable security safeguards, and not email, export, download, copy, share, or disclose the report except as permitted by law and your agreement with Daylit.
  </Accordion>

  <Accordion title="Retention and deletion">
    Unless applicable law requires longer retention, you will delete or securely destroy report data within 90 days after receipt, and you will keep records of your permissible purpose and any required authorization.
  </Accordion>

  <Accordion title="Decisioning responsibility">
    The report is decision-support information from third-party sources. It may be incomplete or inaccurate and should be independently verified before reliance. Daylit does not make your credit decision, does not guarantee report accuracy, and any credit limit or score shown is advisory.
  </Accordion>

  <Accordion title="Legal responsibility">
    You are responsible for complying with all laws that apply to your use of the report, including any required notices, adverse-action procedures, dispute handling, consumer authorizations, and recordkeeping. Misuse may result in suspension of access, contractual liability, civil penalties, and criminal penalties.
  </Accordion>
</AccordionGroup>

## Order a credit report

From **Customers**, order an Experian business credit report from the customer detail page or directly from a table row — without opening an external bureau site.

<Warning>
  **One report per customer every 24 hours.** Credit bureau data rarely changes within a day, so Daylit limits new pulls to once per customer per 24-hour period. If you order again within that window, Daylit opens the existing report — you weren't charged for a new pull. You can order a fresh report after 24 hours.
</Warning>

<Steps>
  <Step title="Go to Customers">
    Open **Customers** from the main navigation.
  </Step>

  <Step title="Start an order">
    Click the customer name to open the **customer detail page** and click **Order** from the **Overview** tab, or click **⋮** at the end of the row and select **Order credit report**.
  </Step>

  <Step title="Confirm certification">
    Read the **Business Credit Report Certification** and check the confirmation box. You must accept before Daylit submits the live report order.
  </Step>

  <Step title="View when ready">
    When the order completes, open the customer detail page and click **View** on the report row.
  </Step>
</Steps>

## View report history for a customer

Every Experian business credit report you've ordered for an account is listed on that customer's detail page so your team can compare risk over time.

Each report row shows:

| Field           | What it shows                                                     |
| --------------- | ----------------------------------------------------------------- |
| **Report name** | The report type, for example **Business Premier Profile Report**. |
| **Ordered at**  | When the report was generated, for example **Jun 29, 2026**.      |
| **Ordered by**  | The role or user who placed the order, for example **AR Admin**.  |
| **View**        | Opens the completed report.                                       |

<Steps>
  <Step title="Open the customer detail page">
    From **Customers**, click the customer name.
  </Step>

  <Step title="Review past orders">
    On the **Overview** tab, review the list of credit reports ordered for this account.
  </Step>

  <Step title="View a report">
    Click **View** on any completed report row.
  </Step>
</Steps>

***

## Related pages

<CardGroup cols={2}>
  <Card title="Managing customers" icon="users" href="/customers/managing-customers">
    Search, filter, and open customer profiles where you order and review credit reports.
  </Card>

  <Card title="Customer AI signals and insights" icon="sparkles" href="/customers/signals-insights">
    Combine credit report data with AI signals and conversation summaries when triaging risk.
  </Card>

  <Card title="Managing invoices" icon="receipt" href="/invoices/managing-invoices">
    Review open balances and aging for the same accounts you're evaluating for credit risk.
  </Card>

  <Card title="Team settings" icon="user-group" href="/settings/team">
    Manage which team members can order and view Experian credit reports in your workspace.
  </Card>
</CardGroup>