Derived BCS insights for one business — turns the raw Equifax/PayNet source fields into actionable signals. Returns three sections:

• singlePull — derivations from the most recent snapshot only: payment trend, most severe active delinquency, total delinquent exposure, days since last delinquency, recent-12-month delinquency flag, active tradeline count, write-off flag.
• timeSeries — month-over-month and trend derivations that require historical snapshots. Fields are null until enough history has accumulated:
  • scoreChange available after Month 2
  • newTradelineAdded available after Month 2
  • scoreVelocity / cleanStreakMonths / scoreOnStreak available after Month 3
  • scoreTrend6Mo available after Month 6
• profile — assigned customer-profile segment derived from the single-pull signals: clean-but-thin, clean-and-established, recent-delinquency-improving, active-delinquency-or-writeoff. May be null for accounts with no score data.

Partners can only access businesses they have referred.