> ## 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 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:**

| Type      | Use-Case                                             |
| --------- | ---------------------------------------------------- |
| `Product` | On-Demand view of an Account's financial 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: 'failed',
    description: `The ${account_attribute_name} failed to be retrieved.`
  }
]
)),
{
name: 'attributes',
type: 'object | null',
required: false,
description: (
  <>
    An object containing financial attributes for the Account. The attributes returned depend
    on the account's liability type. Each attribute is an object with the fields described below.
    <code>null</code> while the request is processing.
  </>
),
items: [
  {
    name: 'attributes.<attribute_name>.value',
    type: 'number | string | boolean | null',
    description: 'The computed value of the attribute. null if the attribute could not be computed.'
  },
  {
    name: 'attributes.<attribute_name>.error',
    type: 'object | null',
    description: (
      <>
        Error details if the attribute could not be computed. <code>null</code> on success.
        When present, contains <code>type</code>, <code>sub_type</code>, <code>code</code>, and <code>message</code> fields.
      </>
    ),
  },
  {
    name: 'attributes.<attribute_name>.metadata',
    type: 'object',
    required: false,
    description: 'Additional context for the computed value. Only present on attributes that return supplemental information.'
  }
]
},
(get_common_parameters(account_attribute_name).error),
(get_common_parameters(account_attribute_name).created_at),
(get_common_parameters(account_attribute_name).updated_at),
]}
/>

## 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.

### Credit Card Accounts

| Attribute                         | Value Type | Description                                                                                                                                                                                                      |
| --------------------------------- | ---------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `type`                            | string     | The liability type of the account.                                                                                                                                                                               |
| `usage_pattern`                   | string     | The usage pattern of the account (e.g., revolver, transactor, dormant).                                                                                                                                          |
| `delinquency_flag`                | string     | Credit card delinquency status. Possible values are `on_time` and `overdue`.                                                                                                                                     |
| `utilization`                     | number     | The utilization percentage of the account.                                                                                                                                                                       |
| `utilization_trend_30d`           | string     | Direction of utilization change over the last 30 days.                                                                                                                                                           |
| `utilization_trend_90d`           | string     | Direction of utilization change over the last 90 days.                                                                                                                                                           |
| `utilization_delta_30d`           | number     | Percentage point change in utilization over the last 30 days.                                                                                                                                                    |
| `utilization_delta_60d`           | number     | Percentage point change in utilization over the last 60 days.                                                                                                                                                    |
| `utilization_delta_90d`           | number     | Percentage point change in utilization over the last 90 days.                                                                                                                                                    |
| `available_credit_limit`          | number     | Available 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_flag`             | boolean    | Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.                                                                                            |
| `serious_delinquent_flag`         | boolean    | Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.                                                                                                      |
| `delinquency_recently_cured_flag` | boolean    | Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.                                                                                                           |
| `delinquency_worst_dpd_bucket`    | string     | Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.                                                                                            |
| `delinquency_progression_flag`    | boolean    | Whether the account's delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.                                                                       |
| `delinquent_outcome`              | string     | Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`. |

### Personal Loan Accounts

| Attribute                         | Value Type | Description                                                                                                                                                                                                      |
| --------------------------------- | ---------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `type`                            | string     | The liability type of the account.                                                                                                                                                                               |
| `utilization`                     | number     | The utilization percentage of the account.                                                                                                                                                                       |
| `utilization_trend_30d`           | string     | Direction of utilization change over the last 30 days.                                                                                                                                                           |
| `utilization_trend_90d`           | string     | Direction of utilization change over the last 90 days.                                                                                                                                                           |
| `utilization_delta_30d`           | number     | Percentage point change in utilization over the last 30 days.                                                                                                                                                    |
| `utilization_delta_60d`           | number     | Percentage point change in utilization over the last 60 days.                                                                                                                                                    |
| `utilization_delta_90d`           | number     | Percentage point change in utilization over the last 90 days.                                                                                                                                                    |
| `monthly_installments_estimate`   | number     | Estimated monthly installment payment, in cents.                                                                                                                                                                 |
| `heloc_utilization`               | number     | Utilization percentage for HELOC personal loans. Returns insufficient data when the personal loan is not a HELOC.                                                                                                |
| `available_loan_amount`           | number     | Source-backed available loan amount for the personal loan, in cents.                                                                                                                                             |
| `any_delinquent_flag`             | boolean    | Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.                                                                                            |
| `serious_delinquent_flag`         | boolean    | Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.                                                                                                      |
| `delinquency_recently_cured_flag` | boolean    | Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.                                                                                                           |
| `delinquency_worst_dpd_bucket`    | string     | Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.                                                                                            |
| `delinquency_progression_flag`    | boolean    | Whether the account's delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.                                                                       |
| `delinquent_outcome`              | string     | Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`. |

### Mortgage Accounts

| Attribute                         | Value Type | Description                                                                                                                                                                                                      |
| --------------------------------- | ---------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `type`                            | string     | The liability type of the account.                                                                                                                                                                               |
| `utilization_trend_30d`           | string     | Direction of utilization change over the last 30 days.                                                                                                                                                           |
| `utilization_trend_90d`           | string     | Direction of utilization change over the last 90 days.                                                                                                                                                           |
| `utilization_delta_30d`           | number     | Percentage point change in utilization over the last 30 days.                                                                                                                                                    |
| `utilization_delta_60d`           | number     | Percentage point change in utilization over the last 60 days.                                                                                                                                                    |
| `utilization_delta_90d`           | number     | Percentage point change in utilization over the last 90 days.                                                                                                                                                    |
| `heloc_utilization`               | number     | Utilization percentage for HELOC mortgages. Returns insufficient data when the mortgage is not a HELOC.                                                                                                          |
| `any_delinquent_flag`             | boolean    | Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.                                                                                            |
| `serious_delinquent_flag`         | boolean    | Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.                                                                                                      |
| `delinquency_recently_cured_flag` | boolean    | Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.                                                                                                           |
| `delinquency_worst_dpd_bucket`    | string     | Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.                                                                                            |
| `delinquency_progression_flag`    | boolean    | Whether the account's delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.                                                                       |
| `delinquent_outcome`              | string     | Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`. |

### Direct Pay Attributes

Direct Pay attributes are added to completed Account Attribute responses. They are
not supported in v2 subscription `requested_attributes`.

| Attribute                           | Value Type | Description                                                                         |
| ----------------------------------- | ---------- | ----------------------------------------------------------------------------------- |
| `enrolled_in_direct_pay_previously` | boolean    | Whether Method has completed at least one Direct Pay payment to the same liability. |
| `last_direct_pay_date`              | string     | ISO timestamp for the most recent completed Direct Pay activity.                    |
| `last_direct_pay_amount`            | number     | Amount of the most recent completed Direct Pay payment, in cents.                   |
| `number_of_direct_pay_in_12_months` | number     | Number of completed Direct Pay payments in the trailing 365 days.                   |

## 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.

## Webhook Payload

The [Webhook](/2026-03-30/reference/webhooks/overview) payload will contain the following information:

```json theme={null}
{
  "id": "string",
  "type": "account_attribute.create",
  "path": "/accounts/<acc_id>/attributes/<acc_attr_id>"
}
```

<RequestExample>
  ```json THE ATTRIBUTE OBJECT theme={null}
  {
    "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"
  }
  ```
</RequestExample>