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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_flagbooleanWhether the account is delinquent.
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.

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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.

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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.

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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": false,
      "error": null
    },
    "utilization": {
      "value": 11.96,
      "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"
}