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Documentation Index

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The Account Attributes endpoint provides financial attributes for an individual Account. The attributes returned depend on the account’s liability type (credit card, personal loan, or mortgage). The Account Attributes endpoint is available as a:
TypeUse-Case
ProductOn-Demand view of an Account’s financial attributes.

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Attribute Objects

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Available Attributes by Account Type

The attributes returned depend on the account’s liability type. Requesting attributes for an unsupported account type will return a 400 error.

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Credit Card Accounts

AttributeValue TypeDescription
typestringThe liability type of the account.
usage_patternstringThe usage pattern of the account (e.g., revolver, transactor, dormant).
delinquency_flagstringCredit card delinquency status. Possible values are on_time and overdue.
utilizationnumberThe utilization percentage of the account.
utilization_trend_30dstringDirection of utilization change over the last 30 days.
utilization_trend_90dstringDirection of utilization change over the last 90 days.
utilization_delta_30dnumberPercentage point change in utilization over the last 30 days.
utilization_delta_60dnumberPercentage point change in utilization over the last 60 days.
utilization_delta_90dnumberPercentage point change in utilization over the last 90 days.
available_credit_limitnumberAvailable credit for the credit card account, in cents. Uses source-backed available credit when present and falls back to credit limit minus balance.
any_delinquent_flagbooleanWhether the account has a usable delinquency signal. Returns false only when Method has usable non-delinquent data.
serious_delinquent_flagbooleanWhether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
delinquency_recently_cured_flagbooleanWhether bureau data indicates delinquency while a recent sync update indicates the account is on time.
delinquency_worst_dpd_bucketstringWorst delinquent period bucket for the account. Possible values are 30_dpd, 60_dpd, 90_dpd, and 120_plus_dpd.
delinquency_progression_flagbooleanWhether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
delinquent_outcomestringAccount delinquent outcome. Possible values include current, collections, charge_off, payment_agreement, chapter_13, chapter_7, bankruptcy, repossession, foreclosure, and wage_garnishment.

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Personal Loan Accounts

AttributeValue TypeDescription
typestringThe liability type of the account.
utilizationnumberThe utilization percentage of the account.
utilization_trend_30dstringDirection of utilization change over the last 30 days.
utilization_trend_90dstringDirection of utilization change over the last 90 days.
utilization_delta_30dnumberPercentage point change in utilization over the last 30 days.
utilization_delta_60dnumberPercentage point change in utilization over the last 60 days.
utilization_delta_90dnumberPercentage point change in utilization over the last 90 days.
monthly_installments_estimatenumberEstimated monthly installment payment, in cents.
heloc_utilizationnumberUtilization percentage for HELOC personal loans. Returns insufficient data when the personal loan is not a HELOC.
available_loan_amountnumberSource-backed available loan amount for the personal loan, in cents.
any_delinquent_flagbooleanWhether the account has a usable delinquency signal. Returns false only when Method has usable non-delinquent data.
serious_delinquent_flagbooleanWhether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
delinquency_recently_cured_flagbooleanWhether bureau data indicates delinquency while a recent sync update indicates the account is on time.
delinquency_worst_dpd_bucketstringWorst delinquent period bucket for the account. Possible values are 30_dpd, 60_dpd, 90_dpd, and 120_plus_dpd.
delinquency_progression_flagbooleanWhether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
delinquent_outcomestringAccount delinquent outcome. Possible values include current, collections, charge_off, payment_agreement, chapter_13, chapter_7, bankruptcy, repossession, foreclosure, and wage_garnishment.

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Mortgage Accounts

AttributeValue TypeDescription
typestringThe liability type of the account.
utilization_trend_30dstringDirection of utilization change over the last 30 days.
utilization_trend_90dstringDirection of utilization change over the last 90 days.
utilization_delta_30dnumberPercentage point change in utilization over the last 30 days.
utilization_delta_60dnumberPercentage point change in utilization over the last 60 days.
utilization_delta_90dnumberPercentage point change in utilization over the last 90 days.
heloc_utilizationnumberUtilization percentage for HELOC mortgages. Returns insufficient data when the mortgage is not a HELOC.
any_delinquent_flagbooleanWhether the account has a usable delinquency signal. Returns false only when Method has usable non-delinquent data.
serious_delinquent_flagbooleanWhether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
delinquency_recently_cured_flagbooleanWhether bureau data indicates delinquency while a recent sync update indicates the account is on time.
delinquency_worst_dpd_bucketstringWorst delinquent period bucket for the account. Possible values are 30_dpd, 60_dpd, 90_dpd, and 120_plus_dpd.
delinquency_progression_flagbooleanWhether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
delinquent_outcomestringAccount delinquent outcome. Possible values include current, collections, charge_off, payment_agreement, chapter_13, chapter_7, bankruptcy, repossession, foreclosure, and wage_garnishment.

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Direct Pay Attributes

Direct Pay attributes are added to completed Account Attribute responses. They are not supported in v2 subscription requested_attributes.
AttributeValue TypeDescription
enrolled_in_direct_pay_previouslybooleanWhether Method has completed at least one Direct Pay payment to the same liability.
last_direct_pay_datestringISO timestamp for the most recent completed Direct Pay activity.
last_direct_pay_amountnumberAmount of the most recent completed Direct Pay payment, in cents.
number_of_direct_pay_in_12_monthsnumberNumber of completed Direct Pay payments in the trailing 365 days.

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Attribute Value Notes

  • Attribute values are returned in cents when the description says “in cents”.
  • usage_pattern returns revolver, transactor, dormant, or closed. Unknown or unavailable source values return insufficient_data.
  • delinquency_flag returns on_time or overdue. Unknown or unavailable source values return insufficient_data.
  • Boolean delinquency flags return false only when Method has usable non-delinquent data. If there is no usable signal, the attribute returns null with an insufficient data error.
  • delinquency_worst_dpd_bucket maps less_than_30 and 30 to 30_dpd, 60 to 60_dpd, 90 to 90_dpd, and 120 or over_120 to 120_plus_dpd.
  • Direct Pay attributes count Method payments with a completed status of sent, posted, cashed, or settled. If no completed Direct Pay payment exists, enrolled_in_direct_pay_previously is false, number_of_direct_pay_in_12_months is 0, and the last payment date and amount return insufficient data.

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Webhook Payload

The Webhook payload will contain the following information: 
{
  "id": "string",
  "type": "account_attribute.create",
  "path": "/accounts/<acc_id>/attributes/<acc_attr_id>"
}

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "type": {
      "value": "credit_card",
      "error": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null
    },
    "delinquency_flag": {
      "value": "on_time",
      "error": null
    },
    "utilization": {
      "value": 11.96,
      "error": null
    },
    "available_credit_limit": {
      "value": 7131600,
      "error": null
    },
    "any_delinquent_flag": {
      "value": false,
      "error": null
    },
    "delinquency_worst_dpd_bucket": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      }
    },
    "enrolled_in_direct_pay_previously": {
      "value": true,
      "error": null
    },
    "last_direct_pay_date": {
      "value": "2026-04-15T17:02:47.910Z",
      "error": null
    },
    "last_direct_pay_amount": {
      "value": 12500,
      "error": null
    },
    "number_of_direct_pay_in_12_months": {
      "value": 3,
      "error": null
    },
    "utilization_trend_30d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      }
    },
    "utilization_trend_90d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      }
    },
    "utilization_delta_30d": {
      "value": -3.28,
      "error": null
    },
    "utilization_delta_60d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      }
    },
    "utilization_delta_90d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      }
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}