The account attributes endpoint

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "type": {
      "value": "credit_card",
      "error": null,
      "metadata": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null,
      "metadata": null
    },
    "delinquency_flag": {
      "value": "on_time",
      "error": null,
      "metadata": null
    },
    "utilization": {
      "value": 11.96,
      "error": null,
      "metadata": null
    },
    "available_credit_limit": {
      "value": 7131600,
      "error": null,
      "metadata": null
    },
    "any_delinquent_flag": {
      "value": false,
      "error": null,
      "metadata": 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."
      },
      "metadata": null
    },
    "enrolled_in_direct_pay_previously": {
      "value": true,
      "error": null,
      "metadata": null
    },
    "last_direct_pay_date": {
      "value": "2026-04-15T17:02:47.910Z",
      "error": null,
      "metadata": null
    },
    "last_direct_pay_amount": {
      "value": 12500,
      "error": null,
      "metadata": null
    },
    "number_of_direct_pay_in_12_months": {
      "value": 3,
      "error": null,
      "metadata": null
    },
    "next_payment_due_date": {
      "value": "2026-05-01",
      "error": null,
      "metadata": {
        "estimated": true
      }
    },
    "next_payment_minimum_amount": {
      "value": 3500,
      "error": null,
      "metadata": null
    },
    "estimated_apr": {
      "value": 21.5,
      "error": null,
      "metadata": {
        "estimated": true,
        "confidence": "high"
      }
    },
    "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."
      },
      "metadata": null
    },
    "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."
      },
      "metadata": null
    },
    "utilization_delta_30d": {
      "value": -3.28,
      "error": null,
      "metadata": 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."
      },
      "metadata": null
    },
    "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."
      },
      "metadata": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}

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, mortgage, auto loan, or student loan). The Account Attributes endpoint is available as a:

Type	Use-Case
`Product`	On-Demand view of an Account’s financial attributes.
`Subscription`	Continuous monitoring of an Account’s financial attributes with near real-time updates. Webhook Payload

To enroll an Account, create an attribute subscription via Create a Subscription. The subscription is available for credit card, personal loan, mortgage, auto loan, and student loan accounts.

Attribute Objects

Attribute Bundles

A bundle is a named group of attributes you can request together instead of listing each attribute individually. Request one or more bundles with the bundles field on Create Attributes or when enrolling an attribute Subscription. When you request a bundle, the response’s attributes object is scoped to that bundle’s members.

The `statement` bundle

The statement bundle returns the upcoming-statement attributes for an Account — the borrower’s next payment due date and the minimum amount due. It is available for all supported account types (credit card, personal loan, mortgage, auto loan, and student loan).

Attribute	Value Type	Description
`next_payment_due_date`	string	The Account’s next payment due date, as `YYYY-MM-DD`. If the reported due date has already passed, it is rolled forward to the next occurrence of that day of the month.
`next_payment_minimum_amount`	number	The minimum amount due for the upcoming statement, in cents. Returns `0` when the reported balance is zero or less.

Values sourced from credit report data — or carried forward from a prior statement — are estimates and are flagged with metadata.estimated set to true.

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`.
`estimated_apr`	number	Estimated purchase APR for the account, as a percentage.

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`.

Auto Loan & Student Loan Accounts

Auto loans and student loans return the same set of attributes.

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.
`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.
estimated_apr is a percentage, not cents. It is computed for credit card accounts at supported issuers, and only for accounts that revolve a balance.
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 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,
      "metadata": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null,
      "metadata": null
    },
    "delinquency_flag": {
      "value": "on_time",
      "error": null,
      "metadata": null
    },
    "utilization": {
      "value": 11.96,
      "error": null,
      "metadata": null
    },
    "available_credit_limit": {
      "value": 7131600,
      "error": null,
      "metadata": null
    },
    "any_delinquent_flag": {
      "value": false,
      "error": null,
      "metadata": 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."
      },
      "metadata": null
    },
    "enrolled_in_direct_pay_previously": {
      "value": true,
      "error": null,
      "metadata": null
    },
    "last_direct_pay_date": {
      "value": "2026-04-15T17:02:47.910Z",
      "error": null,
      "metadata": null
    },
    "last_direct_pay_amount": {
      "value": 12500,
      "error": null,
      "metadata": null
    },
    "number_of_direct_pay_in_12_months": {
      "value": 3,
      "error": null,
      "metadata": null
    },
    "next_payment_due_date": {
      "value": "2026-05-01",
      "error": null,
      "metadata": {
        "estimated": true
      }
    },
    "next_payment_minimum_amount": {
      "value": 3500,
      "error": null,
      "metadata": null
    },
    "estimated_apr": {
      "value": 21.5,
      "error": null,
      "metadata": {
        "estimated": true,
        "confidence": "high"
      }
    },
    "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."
      },
      "metadata": null
    },
    "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."
      },
      "metadata": null
    },
    "utilization_delta_30d": {
      "value": -3.28,
      "error": null,
      "metadata": 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."
      },
      "metadata": null
    },
    "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."
      },
      "metadata": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}

List all Transactions Create Attributes

⌘I

API Reference

Entities

Accounts

Wallet

Payments

Files

Opal

Elements

Events

Supporting Endpoints

The account attributes endpoint

Attribute Objects

Attribute Bundles

The `statement` bundle

Available Attributes by Account Type

Credit Card Accounts

Personal Loan Accounts

Mortgage Accounts

Auto Loan & Student Loan Accounts

Direct Pay Attributes

Attribute Value Notes

Webhook Payload

​Attribute Objects

​Attribute Bundles

​The statement bundle

​Available Attributes by Account Type

​Credit Card Accounts

​Personal Loan Accounts

​Mortgage Accounts

​Auto Loan & Student Loan Accounts

​Direct Pay Attributes

​Attribute Value Notes

​Webhook Payload

Attribute Objects

Attribute Bundles

The `statement` bundle

Available Attributes by Account Type

Credit Card Accounts

Personal Loan Accounts

Mortgage Accounts

Auto Loan & Student Loan Accounts

Direct Pay Attributes

Attribute Value Notes

Webhook Payload