> For the complete documentation index, see [llms.txt](https://docs.fraudcheck.co.za/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fraudcheck.co.za/product/products/screening/credit.md).

# Credit and financial risk

Credit and financial risk checks assess credit risk with a score, a full bureau report or a business vetting summary.

## What it is

Credit and financial risk checks assess credit risk with a score, a full bureau report or a business vetting summary.

## Products compared

| Product                                                                                       | What it returns                                                                                           | Subject    | Channels       | Turnaround       |
| --------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------- | ---------- | -------------- | ---------------- |
| [Individual credit score](/product/products/screening/credit/individual-score.md)             | Combines bureau data and fraud indicators into a 0–999 score and one Accept, Review or Reject decision.   | Individual | Portal and API | A few seconds    |
| [Individual credit check](/product/products/screening/credit/individual-check.md)             | Returns a full consumer credit bureau profile, optionally with month-by-month payment history.            | Individual | Portal and API | 2–5 seconds      |
| [Business credit check](/product/products/screening/credit/business-check.md)                 | A fast vetting summary of a business: registration status, adverse events, principals and turnover trend. | Business   | Portal and API | Under 5 seconds  |
| [Business credit comprehensive](/product/products/screening/credit/business-comprehensive.md) | The full business credit report: judgments, property, trade references, directors, turnover and scoring.  | Business   | Portal and API | Under 10 seconds |

## When to use which

* **People**: use [Individual credit score](/product/products/screening/credit/individual-score.md) for one decision-ready classification, or [Individual credit check](/product/products/screening/credit/individual-check.md) for the account-level bureau profile.
* **Businesses**: use [Business credit check](/product/products/screening/credit/business-check.md) for a fast vetting summary, or [Business credit comprehensive](/product/products/screening/credit/business-comprehensive.md) for the full report.

## Related guides

* [Credit checks and prescribed purposes](https://developer.fraudcheck.co.za/guides/credit-checks-and-prescribed-purposes)


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