Credit Checks

Requires.

The Credit Checks add-on enabled for your company. If disabled, the Credit tab doesn't appear at all.

Credit Reports with View to see existing checks.

Credit Reports with Create to run a new credit check.

The Credit tab is where you run and review credit reports on a customer. These reports come from one of the credit bureaus or credit-reporting partners your company has integrated and are used to qualify the customer for financing, decide contract pricing, filter leads, or support collections. A credit check is a hard inquiry on the customer's credit, so don't run them gratuitously — each one can lower the customer's score.

Getting here

Click Credit in the customer's header tab bar (lock-hashtag icon). The tab shows a count of checks run.
Or navigate directly to https://portal.securitytrax.com/{your-company}/customers/{id}/customer-credit-checks.

The tab is only visible if the Credit Checks add-on is enabled and you have view permission. Ask your administrator if you expected to see it and don't.

The page heading is Credit Reports.

The list

Each card is one credit check. Cards show:

The credit bureau or provider name.
The check ID.
The score and grade.
The Transaction ID, when one exists.
The created date and user.
Applied to customer if this is the customer's active credit check, or Apply to customer if you can apply it.
Print Image when the bureau returned a printable report image and your permissions allow viewing it.

Click the credit bureau or provider name to open the credit check record.

Note. Credit checks entered by hand — rather than pulled live from a bureau — are flagged with a yellow "Manual Entry" badge (pencil icon) on the row and a yellow stripe down the left edge of the card. Treat manual entries as historical record-keeping rather than fresh bureau data: there's no underlying report to drill into, and the values are only as accurate as whoever typed them in.

Running a new credit check

Click + Run Credit (quick-action in the header flyout, or the toolbar button on the list).

If your company has at least one manual-entry credit bureau configured, the form starts with an Entry Type selector:

Run Credit — submit a live credit pull to a configured bureau or partner.
Manual Entry — save a score and optional tracking number without contacting a bureau.

Credit check form

Field	Required?	Type	Validation	Notes
Entry Type	Yes, when shown	Segmented selector	Run Credit or Manual Entry	Appears only when your company has at least one active manual-entry credit bureau.
Credit Bureau	Yes for live checks	Select	Must be an active non-manual credit bureau	Choose the provider that will receive the live credit request.
Add Previous Address	No	Checkbox	—	When checked, previous-address fields appear.
Address Line 1	No	Text	—	Appears only when Add Previous Address is checked. Address suggestions may appear if address verification is enabled.
Address Line 2	No	Text	—	Appears only when Add Previous Address is checked.
City	No	Text	—	Appears only when Add Previous Address is checked.
State	No	Select	Must be a valid state option	Appears only when Add Previous Address is checked.
Zip	No	Text	—	Appears only when Add Previous Address is checked.
Subject Pin	No	Number	—	Appears only for Equifax credit bureaus.
Continue To Run Credit On A Match	No	Checkbox	—	Appears only for Brinks / Monitronics credit bureaus.
Credit Match Override Reason	Conditional	Text	At least 3 characters when continuing on a match	Appears only for Brinks / Monitronics credit bureaus.

Click Run Credit to submit the request, or Run Credit & Apply to submit it and apply the returned score to the customer. SecurityTrax submits the request to the bureau and waits for the result. Typical response time is a few seconds; occasionally a check gets stuck if the bureau is slow or down.

Manual entry form

Use Manual Entry when you already have a credit score from another approved process and need to store it on the customer record. Manual entry does not contact Experian, Equifax, TransUnion, or any partner bureau.

Field	Required?	Type	Validation	Notes
Entry Type	Yes	Segmented selector	Manual Entry	Only appears when your company has at least one active manual-entry credit bureau.
Manual Bureau	Conditional	Select	Must be an active manual-entry bureau	Appears only if your company has more than one manual-entry bureau. If there is exactly one, SecurityTrax selects it automatically.
Score	Yes	Number	1-5 digits	The score saved to the credit check and, if applied, to the customer record.
Transaction ID	No	Text	Up to 255 characters	Use this for an external tracking number, reference number, or note from the source system.

Click Save Credit to add the manual credit check to the list, or Save Credit & Apply to save it and immediately apply its score and tracking number to the customer record.

Heads up. Manual entries are marked separately because SecurityTrax did not pull a live report. They do not include trade lines, inquiries, public records, or a printable bureau report.

What happens next

Success — the row updates with a score, grade, and the full report becomes viewable.
Manual entry saved — the row appears with the Manual Entry badge and the score you entered. If you used Save Credit & Apply, the customer record also uses that score as the current applied credit check.
Failed — the row shows an error reason. Common failures: invalid address, missing SSN, bureau outage, insufficient match data. Fix the underlying issue and retry.
Pending — the bureau hasn't responded yet. SecurityTrax polls periodically; re-check in a few minutes.

Viewing an existing report

Click any row to open the check's detail page. Depending on the bureau, you'll see:

Score and grade at the top.
Trade lines — all active credit accounts (credit cards, loans, mortgages) with balances, limits, and payment history.
Public records — judgments, bankruptcies, tax liens.
Inquiries — other companies who've checked the customer's credit recently.
Collection accounts — any debts in collections.
Credit age — how long the customer has had credit.
Actions — Download PDF, Print, Void/Revoke (if allowed).

The full report is a snapshot as of the date pulled; it doesn't update later. Run a new check if you need current data.

Credit grade vs. credit score

Many SecurityTrax configurations use a credit grade — a letter (A, B, C, D, F) derived from the numeric score. The mapping is configurable by your admin. Grades are easier to use in downstream rules than raw scores: you can say "only funded deals go to customers with B+ or better" without hard-coding score thresholds in every rule.

Where you see the grade:

On the Credit tab list.
On the customer edit form (under the Credit Score field).
On reports that include credit data.

Effect on the customer's credit score

A credit check is a hard inquiry. Hard inquiries:

Lower the customer's score slightly (usually a few points, for a few months).
Appear on the customer's credit report for up to two years.
Can be visible to other lenders checking them.

Don't run credit checks unnecessarily — each one impacts the customer. Before re-running, check whether the existing check is recent enough to use (typical is 30–90 days).

Credit reporting and compliance

FCRA (in the US) regulates what you can do with credit data. Your admin has agreed to specific permissible purposes with your credit-bureau partner — running checks outside those purposes can get your company's access revoked.
Adverse action — if you deny a customer a contract or give them worse pricing because of a credit check, federal law often requires you to send them a written adverse-action notice explaining why. Your company's process for that is outside SecurityTrax.
Business credit is less regulated than personal credit but still has provider-specific rules.

Funding — credit grade often determines whether a customer qualifies for funding, and at what rate.
Home — the customer edit form shows the most recent credit score / grade.
Credit Bureaus (admin) — where the bureau integrations are configured.