# Request a credit check

You may request a credit check on a customer who hasn't previously been credit checked.
This endpoint returns no content. You'll be able to see the date you requested the credit check
(credit_check_requested_at) and credit_status updated to pending or, in the case of an instant decision,
approved or declined by fetching the Customer entity.

A hold credit status represents when a customer's credit account is over 15 days overdue.
A deactivated credit status represents when a customer's credit account has been deactivated.

When a customer's credit_status is approved - the customer's net_terms_status  represents the current state of a customer's enrollment in the approved net terms offer.
See #fetchCustomer for more details.

Note: Except for instant decisions, a decision should be reflected on the Customer entity within 1 business day.

Endpoint: POST /customers/{customer_id}/credit-check
Version: V5
Security: basicAuth

## Path parameters:

  - `customer_id` (string, required)
    ID of the customer being submitted for a credit check

## Request fields (application/json):

  - `amount_requested` (number, required)
    Request an amount (plus buffer) to cover your customer's purchases over their payment term. This can be increased later.
    Example: 50000

  - `business_description` (string,null)
    A description of your customer's business.
    Example: "Put a description your customer's business here."

  - `has_purchase_history` (boolean, required)
    Indicates whether this customer has prior purchase history with the merchant. When true, the merchant has prior purchase history with this customer.
    Example: true

  - `has_purchase_terms_history` (boolean)
    Required if has_purchase_history = true. Indicates whether this customer has prior purchase history on net terms with the merchant. When true, the merchant has prior net terms purchase history with this customer.

## Response 401 fields (application/json):

  - `error` (object)

  - `error.message` (string)
    A short string, describing error details
    Example: "Invalid merchant credentials"

  - `error.type` (string)
    A short string, describing error type
    Enum: "authentication_error"

## Response 404 fields (application/json):

  - `error` (object)

  - `error.message` (string)
    A short string, describing error details
    Example: "[entity] not found"

  - `error.type` (string)
    A short string, describing error type
    Enum: "not_found_error"

## Response 422 fields (application/json):

  - `error` (object)

  - `error.message` (string)
    A short string, describing error details
    Example: "Credit check already created for this customer."

  - `error.type` (string)
    A short string, describing error type
    Enum: "invalid_request"

## Response 429 fields (application/json):

  - `error` (object)

  - `error.message` (string)
    A short string, describing error details
    Example: "Too many requests"

  - `error.type` (string)
    A short string, describing error type
    Enum: "rate_limit_error"


## Response 204 fields