Getting Started
How scoring works
creditOS builds a continuously updated picture of every B2B customer — their commercial value and their payment reliability — and translates that into actionable credit decisions.
Two dimensions, one clear picture
Every customer is assessed on two independent dimensions: Value and Risk. Together, these tell you not just who is risky, but who is worth the risk — and who isn't. The combination determines which credit tier a customer falls into, and what policy applies to them.
Value assessment
The Value dimension answers: how important is this customer to the business? It accounts for the customer's revenue contribution, purchasing consistency, and growth trajectory — giving you a clear view of who your most commercially significant accounts are, and making sure your best terms go to the buyers who've earned them.
Risk assessment
The Risk dimension answers: how likely is this customer to pay on time? It draws on payment behaviour patterns over time — identifying accounts that consistently pay late, carry high overdue balances, or show deteriorating payment habits before they become a write-off problem.
How scores stay current
creditOS uses three scoring modes to ensure your customer assessments are always accurate:
Dynamic assessment
Scores update automatically in response to customer activity — completed orders, payments received, overdue events. When something meaningful happens on an account, creditOS recalculates immediately. Your team always sees a current view without lifting a finger.
Scheduled assessment
In addition to event-driven updates, creditOS runs a full batch scoring pass across your entire customer base on a regular schedule. This catches drift in accounts that haven't had recent activity — customers who were borderline last quarter may have shifted in either direction.
On-demand scoring
You can trigger a rescore for any individual customer at any time directly from the creditOS dashboard. Useful before a large order review, a credit limit increase request, or when a customer dispute has been resolved and you want a fresh read.
New customers — starter terms
Customers with limited order history aren't ignored — they're placed on starter terms, a configurable policy designed for accounts that haven't yet built a sufficient track record. Starter terms default to a conservative prepay policy, ensuring you're protected while a new account establishes their history. The threshold and policy are fully configurable to match your onboarding approach.
As activity accumulates, creditOS transitions the customer to their scored tier automatically. No manual step required.
What your team sees
Both scores are visible in the creditOS dashboard under Customers → Credit Scores, alongside tier assignment, policy in effect, and score history. Customers never see their scores — this is an internal decision-making tool for your finance and operations team.