The account attributes endpoint

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "usage_pattern": {
      "value": "revolver",
    },
    "utilization": {
      "value": 0.13
    },
    "account_standing": {
      "value": "major_delinquency"
    },
    "delinquent_period": {
      "value": "over_120"
    },
    "delinquent_outcome": {
      "value": "charge_off"
    },
    "delinquent_amount": {
      "value": 1200
    }
  },
  "error": null,
  "created_at": "2025-02-03T03:20:43.482Z",
  "updated_at": "2025-02-03T03:20:43.482Z"
}

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

string

Unique identifier for the AccountAttribute.

account_id

string

The ID of the associated Account.

status

enum

Status of the AccountAttribute.

Possible enum values

pending

The AccountAttribute is queued to be retrieved.

in_progress

The AccountAttribute is being retrieved.

completed

The AccountAttribute has successfully been retrieved.

attributes

object

An object containing various account level attributes.

Show properties

attributes.usage_pattern

string

The usage pattern of the account.

Show properties

attributes.usage_pattern.value

enum

The value of the usage pattern.

Possible enum values

revolver

The account follows a revolving pattern.

transactor

The account follows a transactor pattern.

dormant

The account is dormant.

unknown

The usage pattern is unknown.

attributes.utilization

object

The utilization of the account.

Show properties

attributes.utilization.value

number

The value of the utilization.

attributes.account_standing

object

The standing of the account.

Show properties

attributes.account_standing.value

enum

The value of the account standing.

Possible enum values

good_standing

The account is in good standing.

past_due

The account is past due.

major_delinquency

The account is in major delinquency.

attributes.delinquent_period

object

The period the account is delinquent.

Show properties

attributes.delinquent_period.value

enum

The value of the delinquent period.

Possible enum values

30

The account is delinquent for 30 days.

60

The account is delinquent for 60 days.

90

The account is delinquent for 90 days.

over_120

The account is delinquent for 120 days.

attributes.delinquent_outcome

object

The outcome of the delinquency.

Show properties

attributes.delinquent_outcome.value

enum

The value of the delinquent outcome.

Possible enum values

payment_agreement

The account has entered a payment agreement.

repossession

The account has been repossessed.

charge_off

The account has been charged off.

chapter_13

The account is in chapter 13 bankruptcy.

foreclosure

The account has been foreclosed on.

attributes.delinquent_amount

object

The delinquent amount of the account.

Show properties

attributes.delinquent_amount.value

number

The value of the delinquent amount.

error

object | null

An object representing an error that occurred while processing this AccountAttribute. See AccountAttribute errors.

created_at

string

Timestamp of when the AccountAttribute was created.

updated_at

string

Timestamp of when the AccountAttribute was last updated.

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "usage_pattern": {
      "value": "revolver",
    },
    "utilization": {
      "value": 0.13
    },
    "account_standing": {
      "value": "major_delinquency"
    },
    "delinquent_period": {
      "value": "over_120"
    },
    "delinquent_outcome": {
      "value": "charge_off"
    },
    "delinquent_amount": {
      "value": 1200
    }
  },
  "error": null,
  "created_at": "2025-02-03T03:20:43.482Z",
  "updated_at": "2025-02-03T03:20:43.482Z"
}

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "usage_pattern": {
      "value": "revolver",
    },
    "utilization": {
      "value": 0.13
    },
    "account_standing": {
      "value": "major_delinquency"
    },
    "delinquent_period": {
      "value": "over_120"
    },
    "delinquent_outcome": {
      "value": "charge_off"
    },
    "delinquent_amount": {
      "value": 1200
    }
  },
  "error": null,
  "created_at": "2025-02-03T03:20:43.482Z",
  "updated_at": "2025-02-03T03:20:43.482Z"
}

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "usage_pattern": {
      "value": "revolver",
    },
    "utilization": {
      "value": 0.13
    },
    "account_standing": {
      "value": "major_delinquency"
    },
    "delinquent_period": {
      "value": "over_120"
    },
    "delinquent_outcome": {
      "value": "charge_off"
    },
    "delinquent_amount": {
      "value": 1200
    }
  },
  "error": null,
  "created_at": "2025-02-03T03:20:43.482Z",
  "updated_at": "2025-02-03T03:20:43.482Z"
}

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

string

Unique identifier for the AccountAttribute.

account_id

string

The ID of the associated Account.

status

enum

Status of the AccountAttribute.

Possible enum values

pending

The AccountAttribute is queued to be retrieved.

in_progress

The AccountAttribute is being retrieved.

completed

The AccountAttribute has successfully been retrieved.

attributes

object

An object containing various account level attributes.

Show properties

attributes.usage_pattern

string

The usage pattern of the account.

Show properties

attributes.usage_pattern.value

enum

The value of the usage pattern.

Possible enum values

revolver

The account follows a revolving pattern.

transactor

The account follows a transactor pattern.

dormant

The account is dormant.

unknown

The usage pattern is unknown.

attributes.utilization

object

The utilization of the account.

Show properties

attributes.utilization.value

number

The value of the utilization.

attributes.account_standing

object

The standing of the account.

Show properties

attributes.account_standing.value

enum

The value of the account standing.

Possible enum values

good_standing

The account is in good standing.

past_due

The account is past due.

major_delinquency

The account is in major delinquency.

attributes.delinquent_period

object

The period the account is delinquent.

Show properties

attributes.delinquent_period.value

enum

The value of the delinquent period.

Possible enum values

30

The account is delinquent for 30 days.

60

The account is delinquent for 60 days.

90

The account is delinquent for 90 days.

over_120

The account is delinquent for 120 days.

attributes.delinquent_outcome

object

The outcome of the delinquency.

Show properties

attributes.delinquent_outcome.value

enum

The value of the delinquent outcome.

Possible enum values

payment_agreement

The account has entered a payment agreement.

repossession

The account has been repossessed.

charge_off

The account has been charged off.

chapter_13

The account is in chapter 13 bankruptcy.

foreclosure

The account has been foreclosed on.

attributes.delinquent_amount

object

The delinquent amount of the account.

Show properties

attributes.delinquent_amount.value

number

The value of the delinquent amount.

error

object | null

An object representing an error that occurred while processing this AccountAttribute. See AccountAttribute errors.

created_at

string

Timestamp of when the AccountAttribute was created.

updated_at

string

Timestamp of when the AccountAttribute was last updated.

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "usage_pattern": {
      "value": "revolver",
    },
    "utilization": {
      "value": 0.13
    },
    "account_standing": {
      "value": "major_delinquency"
    },
    "delinquent_period": {
      "value": "over_120"
    },
    "delinquent_outcome": {
      "value": "charge_off"
    },
    "delinquent_amount": {
      "value": 1200
    }
  },
  "error": null,
  "created_at": "2025-02-03T03:20:43.482Z",
  "updated_at": "2025-02-03T03:20:43.482Z"
}

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "usage_pattern": {
      "value": "revolver",
    },
    "utilization": {
      "value": 0.13
    },
    "account_standing": {
      "value": "major_delinquency"
    },
    "delinquent_period": {
      "value": "over_120"
    },
    "delinquent_outcome": {
      "value": "charge_off"
    },
    "delinquent_amount": {
      "value": 1200
    }
  },
  "error": null,
  "created_at": "2025-02-03T03:20:43.482Z",
  "updated_at": "2025-02-03T03:20:43.482Z"
}

The account attributes endpoint

Attribute Objects

Changelog

API Versions

The account attributes endpoint

Attribute Objects

​Attribute Objects

Changelog

API Versions

​Attribute Objects

Attribute Objects

Attribute Objects