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Attributes provide structured credit health metrics derived from an Entity’s credit profile. Rather than giving you a raw credit report, Attributes distill the information into actionable categories that your product can use to generate insights, recommendations, and personalized guidance. Available attribute categories include:
  • Credit card usage
  • Payment history
  • Derogatory marks
  • Hard inquiries
  • Total accounts
  • Open accounts
  • Credit age
Attributes are available at both the Entity level (overall credit health) and the Account level (per-account metrics). This means you can show a user their overall credit utilization AND the utilization on each individual credit card. For your product, Attributes enable features like credit health dashboards, personalized recommendations (“Your credit card utilization is high, consider paying down Card X first”), progress tracking over time, and educational content tied to the user’s actual situation.

Attributes API Reference

Full API documentation for Entity and Account Attributes.