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

# The account attributes endpoint

export const account_attribute_name = "AccountAttribute";

export const get_common_parameters = (resource_name = 'resource') => {
  return {
    id: {
      name: 'id',
      type: "string",
      required: false,
      description: `Unique identifier for the ${resource_name}.`
    },
    entity_id: {
      name: 'entity_id',
      type: 'string',
      required: false,
      description: 'The ID of the associated Entity.'
    },
    account_id: {
      name: 'account_id',
      type: 'string',
      required: false,
      description: 'The ID of the associated Account.'
    },
    error: {
      name: 'error',
      type: 'object | null',
      required: false,
      description: <>
          An object representing an error that occurred while processing
          this {resource_name}. See <a href={`/reference/errors/${resource_name.replace(/^([A-Z])/, function (match) {
        return match.toLowerCase();
      }).replace(/([A-Z])/g, function (match) {
        return "-" + match.toLowerCase();
      })}-errors`}>{resource_name} errors</a>.
        </>
    },
    status_error: {
      name: 'status_error',
      type: 'object | null',
      required: false,
      description: <>
          An object representing an error that occurred while processing
          this {resource_name}. See <a href="/reference/errors/product-errors#status-errors">{resource_name} errors</a>.
        </>
    },
    metadata: {
      name: 'metadata',
      type: 'object | null',
      required: false,
      description: <>
          Additional data provided during creation.
          See <a href="/reference/metadata">metadata</a>
        </>
    },
    created_at: {
      name: 'created_at',
      type: 'string',
      required: false,
      description: `Timestamp of when the ${resource_name} was created.`
    },
    updated_at: {
      name: 'updated_at',
      type: 'string',
      required: false,
      description: `Timestamp of when the ${resource_name} was last updated.`
    },
    status: (enums = []) => ({
      name: 'status',
      type: 'enum',
      required: false,
      description: `Status of the ${resource_name}.`,
      enums
    }),
    type: (enums = []) => ({
      name: 'type',
      type: 'enum',
      required: false,
      description: `The type of ${resource_name}.`,
      enums
    })
  };
};

export const ParamList = ({items = [], is_child = false}) => {
  return items.map(item => {
    const field_props = {
      id: Math.random().toString(),
      body: item.name,
      name: item.name,
      type: item.type,
      required: item.required
    };
    const enums = item.enums || [];
    const items = item.items || [];
    const has_items = items?.length > 0;
    const has_enums = enums?.length > 0;
    const should_default_open = item.defaultOpen || false;
    const render_child_item = () => {
      const child_props = {
        title: has_enums ? "Possible enum values" : "properties"
      };
      if (should_default_open) child_props.defaultOpen = true;
      const has_inline_enums = has_enums && enums.every(enum_item => typeof enum_item === 'string') && enums.map((enum_item, idx) => {
        const is_last = idx === enums.length - 1;
        const is_2nd_to_last = idx === enums.length - 2;
        return <>
            <code>{enum_item}</code>
            {is_last && ''}
            {is_2nd_to_last && ' or '}
            {!is_last && !is_2nd_to_last && ', '}
          </>;
      });
      const enum_list = has_enums && !has_inline_enums && <Accordion {...child_props}>
          {enums.map((enum_item, index) => <div key={`enum-${index}`}>
              <code>{enum_item.name}</code>
              <br />
              <p>{enum_item.description}</p>
            </div>)}
        </Accordion>;
      const item_list = has_items && <Expandable {...child_props}>
          <ParamList items={items || []} is_child />
        </Expandable>;
      return <>
          <p>
            {item.description}
            {has_inline_enums && [has_inline_enums.length > 1 ? ' One of ' : ' Must be ', ...has_inline_enums]}
          </p>

          {enum_list}
          {item_list}
        </>;
    };
    return is_child ? <ResponseField {...field_props}>{render_child_item()}</ResponseField> : <ParamField {...field_props}>{render_child_item()}</ParamField>;
  });
};

The Account Attributes endpoint provides various credit health attributes for an Account.

**The Account Attributes endpoint is available as a:**

| Type      | Use-Case                                          |
| --------- | ------------------------------------------------- |
| `Product` | On-Demand view of an Account's credit attributes. |

## Attribute Objects

<ParamList
  items={[
(get_common_parameters(account_attribute_name).id),
(get_common_parameters().account_id),
(get_common_parameters(account_attribute_name).status(
[
  {
    name: 'pending',
    description: `The ${account_attribute_name} is queued to be retrieved.`
  },
  {
    name: 'in_progress',
    description: `The ${account_attribute_name} is being retrieved.`
  },
  {
    name: 'completed',
    description: `The ${account_attribute_name} has successfully been retrieved.`
  }
]
)),
{
name: 'attributes',
type: 'object',
required: false,
description: 'An object containing various account level attributes.',
items: [
  {
    name: 'attributes.usage_pattern',
    type: 'string',
    required: false,
    description: 'The usage pattern of the account.',
    items: [
      {
        name: 'attributes.usage_pattern.value',
        type: 'enum',
        description: 'The value of the usage pattern.',
        enums: [
          {
            name: 'revolver',
            description: 'The account follows a revolving pattern.'
          },
          {
            name: 'transactor',
            description: 'The account follows a transactor pattern.'
          },
          {
            name: 'dormant',
            description: 'The account is dormant.'
          },
          {
            name: 'unknown',
            description: 'The usage pattern is unknown.'
          }
        ]
      }
    ]
  },
  {
    name: 'attributes.utilization',
    type: 'object',
    required: false,
    description: 'The utilization of the account.',
    items: [
      {
        name: 'attributes.utilization.value',
        type: 'number',
        description: 'The value of the utilization.'
      }
    ]
  },
  {
    name: 'attributes.interest_estimate_min',
    type: 'object',
    required: false,
    description: (
      <>
        Estimated minimum monthly interest due based on the current account balance. Only available for credit cards and personal loans.
        <br/><br/>
        Calculated as <code>balance × APR / 12</code> applied to the full current balance — Method does not differentiate between new and carried balances, nor do we incorporate prior-month statement data to infer carryover.
      </>
    ),
    items: [
      {
        name: 'attributes.interest_estimate_min.value',
        type: 'number | null',
        description: 'Estimated minimum interest due based on the current account balance in cents'
      }
    ]
  },
  {
    name: 'attributes.interest_estimate_max',
    type: 'object',
    required: false,
    description: (
      <>
        Estimated maximum monthly interest due based on the current account balance. Only available for credit cards and personal loans.
        <br/><br/>
        Calculated as <code>balance × APR / 12</code> applied to the full current balance — Method does not differentiate between new and carried balances, nor do we incorporate prior-month statement data to infer carryover.
      </>
    ),
    items: [
      {
        name: 'attributes.interest_estimate_max.value',
        type: 'number | null',
        description: 'Estimated maximum monthly interest due based on the current account balance in cents'
      }
    ]
  },
  {
    name: 'attributes.account_standing',
    type: 'object',
    required: false,
    description: 'The standing of the account.',
    items: [
      {
        name: 'attributes.account_standing.value',
        type: 'enum',
        description: 'The value of the account standing.',
        enums: [
          {
            name: 'good_standing',
            description: 'The account is in good standing.',
          },
          {
            name: 'past_due',
            description: 'The account is past due.'
          },
          {
            name: 'major_delinquency',
            description: 'The account is in major delinquency.'
          }
        ]
      }
    ]
  },
  {
    name: 'attributes.delinquent_period',
    type: 'object',
    required: false,
    description: 'The period the account is delinquent.',
    items: [
      {
        name: 'attributes.delinquent_period.value',
        type: 'enum',
        description: 'The value of the delinquent period.',
        enums: [
          {
            name: '30',
            description: 'The account is delinquent for 30 days.'
          },
          {
            name: '60',
            description: 'The account is delinquent for 60 days.'
          },
          {
            name: '90',
            description: 'The account is delinquent for 90 days.'
          },
          {
            name: 'over_120',
            description: 'The account is delinquent for 120 days.'
          }
        ]
      }
    ]
  },
  {
    name: 'attributes.delinquent_outcome',
    type: 'object',
    required: false,
    description: 'The outcome of the delinquency.',
    items: [
      {
        name: 'attributes.delinquent_outcome.value',
        type: 'enum',
        description: 'The value of the delinquent outcome.',
        enums: [
          {
            name: 'payment_agreement',
            description: 'The account has entered a payment agreement.'
          },
          {
            name: 'repossession',
            description: 'The account has been repossessed.'
          },
          {
            name: 'charge_off',
            description: 'The account has been charged off.'
          },
          {
            name: 'chapter_13',
            description: 'The account is in chapter 13 bankruptcy.'
          },
          {
            name: 'foreclosure',
            description: 'The account has been foreclosed on.'
          }
        ]
      }
    ]
  },
  {
    name: 'attributes.delinquent_amount',
    type: 'object',
    required: false,
    description: 'The delinquent amount of the account.',
    items: [
      {
        name: 'attributes.delinquent_amount.value',
        type: 'number',
        description: 'The value of the delinquent amount.'
      }
    ]
  }
]
},
(get_common_parameters(account_attribute_name).error),
(get_common_parameters(account_attribute_name).created_at),
(get_common_parameters(account_attribute_name).updated_at),
]}
/>

<RequestExample>
  ```json THE ATTRIBUTE OBJECT theme={null}
  {
    "id": "acc_attr_cWBKqwVP87kim",
    "account_id": "acc_4m9amk4KFiaQX",
    "status": "completed",
    "attributes": {
      "usage_pattern": {
        "value": "revolver",
      },
      "utilization": {
        "value": 0.13
      },
      "interest_estimate_min": {
        "value": 5000
      },
      "interest_estimate_max": {
        "value": 6230
      },
      "account_standing": {
        "value": "major_delinquency"
      },
      "delinquent_period": {
        "value": "over_120"
      },
      "delinquent_outcome": {
        "value": "charge_off"
      },
      "delinquent_amount": {
        "value": 1200
      }
    },
    "error": null,
    "created_at": "2026-04-09T17:02:47.910Z",
    "updated_at": "2026-04-09T17:02:47.910Z"
  }
  ```
</RequestExample>