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The Breadth of Supported Liability Types

Method supports an extensive range of liability types, reflecting the diversity of consumer debt in the real world. Supported types include:
  • Credit cards — credit_card (from major national issuers to regional and community banks)
  • Auto loans — auto_loan (from captive lenders like GM Financial and Toyota Motor Credit to banks and credit unions)
  • Federal and private student loans — student_loans
  • Individual student-loan records — student_loan
  • Personal and installment loans — personal_loan
  • Business loans — business_loan
  • Mortgages and home equity lines of credit (HELOCs) — mortgage
  • Collections accounts — collection
  • Medical debt — medical
  • Insurance premium obligations — insurance
  • Utility accounts — utility
  • Buy Now Pay Later (BNPL) accounts — bnpl
  • Credit builder accounts — credit_builder
  • Fintech-originated loans — fintech
  • Subscription obligations — subscription
  • Other loan types — loan
  • Liabilities that have not yet been classified — unknown
The values above are the possible liability.type enum values on an Account. The liability.sub_type field provides additional granularity (e.g., federal vs. private for student loans, heloc for home equity lines). See the Account reference for the complete list.

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How Liability Type Affects the Data Model

Each liability type also determines what enrichment data is available:
  • Credit cards: Card brand name and visual art (via Card Brands), tokenized card credentials (via Payment Instruments)
  • Auto loans: Payoff quotes for eligible loans (via Payoffs), vehicle details including VIN, make, model (via Vehicles on the Entity)
  • Mortgages: Payoff quotes where the servicer supports payoff retrieval
  • Student loans: Federal vs. private distinction, servicer information
  • All types: Credit health attributes (via Attributes) where credit bureau data exists
Not every liability type supports every Method product. For example, Payments may be available for credit cards and auto loans but not for certain utility or collections accounts. Card Brand data is only relevant for supported card networks. Payoff quotes can be available for eligible auto loans and mortgages. Each account carries a list of available products so your application can adapt its UI and functionality based on what’s supported for each specific account.