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

# Credit Health Scoring

> Scores every customer's credit health from payment history, aging, and limit utilization — strictly read-only, recommendations stay recommendations.

> Scores every customer's credit health from payment history, aging, and limit utilization — strictly read-only, recommendations stay recommendations.

**Know which customers are drifting toward risk — before the aging tells you.**

Credit risk rarely announces itself — it shows up as slowly stretching payment times, creeping limit utilization, and a growing share of your receivables in one customer's hands. This agent scores every customer's credit health from their NetSuite payment history: days to pay, on-time rate, partial-payment and dispute tendencies, aging profile, credit limit headroom, and concentration. Each customer lands in a clear tier with the evidence behind it. Strictly read-only — it recommends limit reviews, it never changes a limit.

**Team:** Collections · **Type:** Agent

## What's included

### Pinned tools

* `er_suiteql_example_find`
* `er_suiteql_query_validate`
* `ns_getSuiteQLMetadata`
* `ns_runCustomSuiteQL`

### Recommended skills

* NetSuite Intelligence Library

### Starter prompts

* Score the portfolio
* Who got worse?
* One customer, full picture
* Concentration check
* Limits worth reviewing

## Trust and governance

This agent is **read-only in NetSuite**: it queries and analyses your data but pins no NetSuite write tools, so it cannot create, change, or send anything on your behalf.

All activity is captured in a full audit trail, agents use your existing NetSuite roles and permissions, and your data is never used to train models.

**Works with:** NetSuite