The entity attributes endpoint

{
  "id": "attr_dADraNgLBrhgL",
  "entity_id": "ent_EQ3FCTzDUmmCb",
  "status": "completed",
  "attributes": {
    "revolving_credit_card_balance_total": {
      "value": 968400,
      "error": null,
      "metadata": null
    },
    "credit_limit_total": {
      "value": 8100000,
      "error": null,
      "metadata": null
    },
    "credit_card_utilization": {
      "value": 11.96,
      "error": null,
      "metadata": null
    },
    "weighted_average_apr_credit_card": {
      "value": 29.09,
      "error": null,
      "metadata": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null,
      "metadata": null
    },
    "available_credit_limit_total": {
      "value": 7131600,
      "error": null,
      "metadata": null
    },
    "next_payment_minimum_total_credit_cards": {
      "value": 26600,
      "error": null,
      "metadata": null
    },
    "payment_to_minimum_ratio_avg_credit_cards": {
      "value": 1.92,
      "error": null,
      "metadata": null
    },
    "revolving_credit_card_balance_change_30d": {
      "value": 381700,
      "error": null,
      "metadata": null
    },
    "revolving_credit_card_balance_change_60d": {
      "value": null,
      "error": {
        "type": "ENTITY_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ENTITY_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 27001,
        "message": "Insufficient data to compute this entity attribute."
      },
      "metadata": null
    },
    "revolving_credit_card_utilization_delta_30d": {
      "value": -3.28,
      "error": null,
      "metadata": null
    },
    "mortgage_balance_total": {
      "value": 15586300,
      "error": null,
      "metadata": null
    },
    "heloc_balance_total": {
      "value": 4200000,
      "error": null,
      "metadata": null
    },
    "available_credit_total": {
      "value": 7251600,
      "error": null,
      "metadata": null
    },
    "any_delinquent_flag": {
      "value": true,
      "error": null,
      "metadata": null
    },
    "delinquency_worst_dpd_bucket": {
      "value": "60_dpd",
      "error": null,
      "metadata": null
    },
    "delinquent_balance_total": {
      "value": 18000,
      "error": null,
      "metadata": {
        "partial": true,
        "accounts_with_data": 1,
        "accounts_total": 2
      }
    },
    "delinquent_outcome": {
      "value": "payment_agreement",
      "error": null,
      "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
    },
    "overall_loan_amount_total": {
      "value": 26757400,
      "error": null,
      "metadata": null
    },
    "overall_utilization": {
      "value": 70.5,
      "error": null,
      "metadata": null
    },
    "installment_balance_total": {
      "value": 23605200,
      "error": null,
      "metadata": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}

The Entity Attributes endpoint provides aggregated financial attributes for an Entity, computed from the Entity’s connected accounts. Attributes are organized by category (credit card, personal loan, mortgage, HELOC, overall, delinquency, Direct Pay, installment, and other) and cover utilization, balances, trends, delinquency signals, and Method Direct Pay activity. The Entity Attributes endpoint is available as a:

Type	Use-Case
`Product`	On-Demand view of an Entity’s financial attributes.
`Subscription`	Comprehensive view of an Entity’s attributes and continuous near real-time updates on attributes. Webhook Payload

Attribute Objects

Available Attributes

Attributes are grouped by category (the kind of liability they describe) and tagged with the bundles they belong to. See Available Bundles for the curated groupings you can subscribe to with a single name.

Revolving Credit Card

Attribute	Value Type	Bundles	Description
`revolving_credit_card_balance_total`	number	Portfolio Intelligence	Total revolving credit card balance across all accounts, in cents.
`credit_limit_total`	number	Portfolio Intelligence	Total credit limit across all credit card accounts, in cents.
`available_credit_limit_total`	number	Portfolio Intelligence	Total available credit across credit card accounts, in cents. Uses source-backed available credit when present and falls back to credit limit minus balance.
`credit_card_utilization`	number	Portfolio Intelligence	Credit card utilization percentage across all accounts.
`weighted_average_apr_credit_card`	number	Portfolio Intelligence	Weighted average APR across all credit card accounts.
`usage_pattern`	string	Portfolio Intelligence	Overall credit card usage pattern across all accounts.
`next_payment_minimum_total_credit_cards`	number	Portfolio Intelligence	Total minimum payment due across all credit card accounts, in cents.
`payment_to_minimum_ratio_avg_credit_cards`	number	Portfolio Intelligence	Average ratio of actual payments to minimum payments across credit card accounts.
`revolving_credit_card_balance_change_30d`	number	Portfolio Intelligence	Change in total revolving credit card balance over the last 30 days, in cents.
`revolving_credit_card_balance_change_60d`	number	Portfolio Intelligence	Change in total revolving credit card balance over the last 60 days, in cents.
`revolving_credit_card_balance_change_90d`	number	Portfolio Intelligence	Change in total revolving credit card balance over the last 90 days, in cents.
`revolving_credit_card_utilization_trend_30d`	string	Portfolio Intelligence	Direction of credit card utilization change over the last 30 days.
`revolving_credit_card_utilization_trend_90d`	string	Portfolio Intelligence	Direction of credit card utilization change over the last 90 days.
`revolving_credit_card_utilization_delta_30d`	number	Portfolio Intelligence	Percentage point change in credit card utilization over the last 30 days.
`revolving_credit_card_utilization_delta_60d`	number	Portfolio Intelligence	Percentage point change in credit card utilization over the last 60 days.
`revolving_credit_card_utilization_delta_90d`	number	Portfolio Intelligence	Percentage point change in credit card utilization over the last 90 days.
`delinquency_flag_credit_cards`	string	Portfolio Intelligence	Worst credit card delinquency status. Possible values are `on_time` and `overdue`.

Personal Loan

Attribute	Value Type	Bundles	Description
`personal_loan_balance_total`	number	Portfolio Intelligence	Total personal loan balance across all accounts, in cents.
`personal_loan_amount_total`	number	Portfolio Intelligence	Total original loan amount across all personal loan accounts, in cents.
`available_loan_amount_personal_loans`	number	Portfolio Intelligence	Total source-backed available loan amount across personal loan accounts, in cents.
`personal_loan_monthly_installments_estimate`	number	Portfolio Intelligence	Estimated total monthly installment payments for personal loans, in cents.
`personal_loan_utilization`	number	Portfolio Intelligence	Utilization percentage across all personal loan accounts.
`weighted_average_apr_personal_loan`	number	Portfolio Intelligence	Weighted average APR across all personal loan accounts.
`personal_loan_balance_change_30d`	number	Portfolio Intelligence	Change in total personal loan balance over the last 30 days, in cents.
`personal_loan_balance_change_60d`	number	Portfolio Intelligence	Change in total personal loan balance over the last 60 days, in cents.
`personal_loan_balance_change_90d`	number	Portfolio Intelligence	Change in total personal loan balance over the last 90 days, in cents.
`personal_loan_utilization_trend_30d`	string	Portfolio Intelligence	Direction of personal loan utilization change over the last 30 days.
`personal_loan_utilization_trend_90d`	string	Portfolio Intelligence	Direction of personal loan utilization change over the last 90 days.
`personal_loan_utilization_delta_30d`	number	Portfolio Intelligence	Percentage point change in personal loan utilization over the last 30 days.
`personal_loan_utilization_delta_60d`	number	Portfolio Intelligence	Percentage point change in personal loan utilization over the last 60 days.
`personal_loan_utilization_delta_90d`	number	Portfolio Intelligence	Percentage point change in personal loan utilization over the last 90 days.

Mortgage

Attribute	Value Type	Bundles	Description
`mortgage_balance_total`	number	Portfolio Intelligence	Total mortgage balance across all accounts, in cents.
`mortgage_loan_amount_total`	number	Portfolio Intelligence	Total original loan amount across all mortgage accounts, in cents.
`weighted_average_apr_mortgage`	number	Portfolio Intelligence	Weighted average APR across all mortgage accounts.
`mortgage_balance_change_30d`	number	Portfolio Intelligence	Change in total mortgage balance over the last 30 days, in cents.
`mortgage_balance_change_60d`	number	Portfolio Intelligence	Change in total mortgage balance over the last 60 days, in cents.
`mortgage_balance_change_90d`	number	Portfolio Intelligence	Change in total mortgage balance over the last 90 days, in cents.
`mortgage_utilization_trend_30d`	string	Portfolio Intelligence	Direction of mortgage utilization change over the last 30 days.
`mortgage_utilization_trend_90d`	string	Portfolio Intelligence	Direction of mortgage utilization change over the last 90 days.
`mortgage_utilization_delta_30d`	number	Portfolio Intelligence	Percentage point change in mortgage utilization over the last 30 days.
`mortgage_utilization_delta_60d`	number	Portfolio Intelligence	Percentage point change in mortgage utilization over the last 60 days.
`mortgage_utilization_delta_90d`	number	Portfolio Intelligence	Percentage point change in mortgage utilization over the last 90 days.

HELOC

Attribute	Value Type	Bundles	Description
`heloc_balance_total`	number	Portfolio Intelligence	Total balance across HELOC accounts, in cents. HELOCs are identified by mortgage or personal loan `sub_type: "heloc"`.
`heloc_utilization`	number	Portfolio Intelligence	Utilization percentage across HELOC accounts. Uses balance divided by original loan amount.

Overall

Attribute	Value Type	Bundles	Description
`overall_loan_amount_total`	number	Portfolio Intelligence	Total original loan amount across all account types, in cents.
`available_credit_total`	number	Portfolio Intelligence	Total reusable credit available to use now, in cents. Includes credit cards, HELOCs, and personal loan lines of credit. Ordinary mortgages and closed-end personal loans do not contribute.
`overall_utilization`	number	Portfolio Intelligence	Overall utilization percentage across all account types.
`overall_utilization_trend_30d`	string	Portfolio Intelligence	Direction of overall utilization change over the last 30 days.
`overall_utilization_trend_90d`	string	Portfolio Intelligence	Direction of overall utilization change over the last 90 days.
`overall_utilization_delta_30d`	number	Portfolio Intelligence	Percentage point change in overall utilization over the last 30 days.
`overall_utilization_delta_60d`	number	Portfolio Intelligence	Percentage point change in overall utilization over the last 60 days.
`overall_utilization_delta_90d`	number	Portfolio Intelligence	Percentage point change in overall utilization over the last 90 days.

Delinquency

Attribute	Value Type	Bundles	Description
`any_delinquent_flag`	boolean	Portfolio Intelligence	Whether any account has a usable delinquency signal. Returns `false` only when at least one account has usable non-delinquent data.
`serious_delinquent_flag`	boolean	Portfolio Intelligence	Whether any account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
`delinquency_recently_cured_flag`	boolean	Portfolio Intelligence	Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.
`delinquency_worst_dpd_bucket`	string	Portfolio Intelligence	Worst delinquent period bucket across accounts. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.
`delinquency_accounts_count`	number	Portfolio Intelligence	Count of accounts with a usable delinquent signal.
`delinquent_balance_total`	number	Portfolio Intelligence	Total past-due or delinquent amount across delinquent accounts, in cents. May include `metadata.partial: true` when only part of the delinquent population has amount data.
`delinquency_progression_flag`	boolean	Portfolio Intelligence	Whether any 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	Portfolio Intelligence	Highest-severity delinquent outcome across accounts. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`.

Direct Pay

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

Attribute	Value Type	Bundles	Description
`enrolled_in_direct_pay_previously`	boolean	—	Whether Method has completed at least one Direct Pay payment to any active or closed account tied to the same individual.
`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.

Installment

Attribute	Value Type	Bundles	Description
`installment_balance_total`	number	Portfolio Intelligence	Total installment loan balance across all accounts, in cents.
`installment_balance_change_30d`	number	Portfolio Intelligence	Change in total installment balance over the last 30 days, in cents.
`installment_balance_change_60d`	number	Portfolio Intelligence	Change in total installment balance over the last 60 days, in cents.
`installment_balance_change_90d`	number	Portfolio Intelligence	Change in total installment balance over the last 90 days, in cents.

Other

Attribute	Value Type	Bundles	Description
`other_balance_total`	number	Portfolio Intelligence	Total balance across all other account types, in cents.
`other_balance_change_30d`	number	Portfolio Intelligence	Change in total other account balance over the last 30 days, in cents.
`other_balance_change_60d`	number	Portfolio Intelligence	Change in total other account balance over the last 60 days, in cents.
`other_balance_change_90d`	number	Portfolio Intelligence	Change in total other account balance over the last 90 days, in cents.

Velocity

Attribute	Value Type	Bundles	Description
`balance_paydown_velocity`	number	Portfolio Intelligence	Rate of debt reduction in dollars per month, computed over the trailing 90 days. Coming soon.
`balance_accumulation_velocity`	number	Portfolio Intelligence	Rate of debt increase in dollars per month, computed over the trailing 90 days. Coming soon.
`utilization_volatility_30d`	number	Portfolio Intelligence	Standard deviation of daily utilization over the trailing 30 days — higher values signal unstable spending behavior. Coming soon.

Cross-Account

Attribute	Value Type	Bundles	Description
`single_card_concentration_pct`	number	Portfolio Intelligence	Percentage of total credit card debt carried on the entity’s single highest-balance card. Coming soon.

Autopay

Attribute	Value Type	Bundles	Description
`autopay_enabled_credit_cards_count`	number	Portfolio Intelligence	Count of credit card accounts with autopay active. Coming soon.
`autopay_status_change_detected`	boolean	Portfolio Intelligence	True if autopay has been disabled on a previously-active credit card account — a leading indicator of payment trouble. Coming soon.

Wallet

Wallet attributes belong to the Wallet Intelligence bundle. The attributes below describe the wallet as a whole and are returned by this endpoint. The bundle’s remaining members describe a single card and are returned by requesting wallet_intelligence on the Account Attributes endpoint, which lists them in full.

Attribute	Value Type	Bundles	Description
`utilization`	number	Wallet Intelligence	Credit card utilization percentage across all accounts. The same value as `credit_card_utilization`, under the name Wallet Intelligence publishes.
`purchasing_power`	number	Wallet Intelligence	Total available credit across credit card accounts, in cents. The same value as `available_credit_limit_total`: source-backed available credit when present, otherwise credit limit minus balance. A negative value is returned only when that fallback applies to an over-limit wallet, or when the source itself reports one.
`utilization_velocity_4_week`	string	Wallet Intelligence	Wallet utilization trend over the trailing 4 weeks: `rapidly_increasing`, `increasing`, `stable`, `decreasing`, `rapidly_decreasing`, or `new_to_credit`. Bands the largest per-card utilization slope by absolute size — the most extreme movement in the wallet, in either direction.
`utilization_velocity_8_week`	string	Wallet Intelligence	8-week wallet utilization trend (same enum as 4-week).
`utilization_velocity_12_week`	string	Wallet Intelligence	12-week wallet utilization trend (same enum as 4-week).
`healthy_cards_count`	number	Wallet Intelligence	Count of credit cards whose `usage_pattern` is `transactor`.
`dormant_cards_count`	number	Wallet Intelligence	Count of credit cards whose `usage_pattern` is `dormant`.
`delinquent_cards_count`	number	Wallet Intelligence	Count of credit cards carrying a delinquent signal. The credit-card-scoped counterpart of `delinquency_accounts_count`, which spans every liability type.
`net_active_cards_count`	number	Wallet Intelligence	Count of credit cards that are not closed, less the dormant ones.

The card counts return 0 only when every credit card could be classified. If any card lacks a usable signal and none of the remaining cards match, the attribute returns an insufficient data error instead — so a 0 always means “none”, never “could not tell”.

The velocity enum differs by resource, deliberately. An Account returns new_account for a card too young to regress over the window; an Entity returns new_to_credit, which describes the person rather than one card. Both share the five movement values.

utilization_velocity_* returns new_to_credit only when every card in the wallet has a known open date and all of them are younger than the window’s cutoff (6, 10 and 14 weeks for the 4-, 8- and 12-week windows). One long-held card is enough to keep the wallet out of that label, and a card with no usable open date blocks it rather than being skipped.

Available Bundles

Bundles are curated groupings of attributes you can subscribe to with a single name instead of listing each attribute individually. Pass them via the bundles field on the attribute subscription payload. At least one of bundles or requested_attributes must be provided — the two can be combined to subscribe to a bundle plus additional individual attributes.

Portfolio Intelligence

Bundle name: portfolio_intelligence Continuous monitoring of a borrower’s liability profile after origination — balance trends, utilization shifts, and delinquency signals across credit cards, personal loans, mortgages, HELOCs, and installment debt. See the Portfolio Intelligence guide for use cases and example workflows. Enrollment:

{
  "enroll": "attribute",
  "payload": {
    "attributes": {
      "bundles": ["portfolio_intelligence"]
    }
  }
}

Included attributes:

View all attributes

Core balances: revolving_credit_card_balance_total, personal_loan_balance_total, mortgage_balance_total, installment_balance_total, other_balance_total, heloc_balance_total
Balance change (30/60/90d): revolving_credit_card_balance_change_30d, personal_loan_balance_change_30d, mortgage_balance_change_30d, installment_balance_change_30d, other_balance_change_30d, revolving_credit_card_balance_change_60d, personal_loan_balance_change_60d, mortgage_balance_change_60d, installment_balance_change_60d, other_balance_change_60d, revolving_credit_card_balance_change_90d, personal_loan_balance_change_90d, mortgage_balance_change_90d, installment_balance_change_90d, other_balance_change_90d
Weighted APR: weighted_average_apr_credit_card, weighted_average_apr_personal_loan, weighted_average_apr_mortgage
Utilization: credit_card_utilization, personal_loan_utilization, heloc_utilization, overall_utilization
Utilization trends (30/90d): revolving_credit_card_utilization_trend_30d, personal_loan_utilization_trend_30d, mortgage_utilization_trend_30d, overall_utilization_trend_30d, revolving_credit_card_utilization_trend_90d, personal_loan_utilization_trend_90d, mortgage_utilization_trend_90d, overall_utilization_trend_90d
Utilization deltas (30/60/90d): revolving_credit_card_utilization_delta_30d, personal_loan_utilization_delta_30d, mortgage_utilization_delta_30d, overall_utilization_delta_30d, revolving_credit_card_utilization_delta_60d, personal_loan_utilization_delta_60d, mortgage_utilization_delta_60d, overall_utilization_delta_60d, revolving_credit_card_utilization_delta_90d, personal_loan_utilization_delta_90d, mortgage_utilization_delta_90d, overall_utilization_delta_90d
Credit limits & loan amounts: credit_limit_total, personal_loan_amount_total, mortgage_loan_amount_total, overall_loan_amount_total, available_credit_limit_total, available_loan_amount_personal_loans, available_credit_total
Account counts: high_utilization_account_count_credit_cards, maxed_out_account_count_credit_cards, zero_balance_credit_cards_count
Cost estimates: personal_loan_monthly_installments_estimate, interest_estimate_min_credit_cards, interest_estimate_max_credit_cards, interest_cost_monthly_current_credit_cards, interest_cost_annual_current_credit_cards
Payment behavior: usage_pattern, payment_to_minimum_ratio_avg_credit_cards, next_payment_minimum_total_credit_cards, next_payment_due_dates_array_credit_cards, days_until_next_payment_min_credit_cards, minimum_payment_coverage_ratio_credit_cards, last_payment_total_credit_cards
Delinquency: delinquency_flag_credit_cards, any_delinquent_flag, serious_delinquent_flag, delinquency_recently_cured_flag, delinquency_worst_dpd_bucket, delinquency_accounts_count, delinquent_balance_total, delinquency_progression_flag, delinquent_outcome
Velocity (coming soon): balance_paydown_velocity, balance_accumulation_velocity, utilization_volatility_30d
Cross-account (coming soon): single_card_concentration_pct
Autopay (coming soon): autopay_enabled_credit_cards_count, autopay_status_change_detected

Portfolio Intelligence is a separately enabled product. Contact your Method CSM to enable portfolio_intelligence on your environment.

Wallet Intelligence

Bundle name: wallet_intelligence Per-card intelligence for issuers and wallet apps that need to understand where each credit card sits in a consumer’s wallet, how spend is trending, and what the card is best used for. Powers wallet ranking, optimal-card-for-purchase logic, and targeted reactivation offers.

Wallet Intelligence spans both resources. Requesting it on an Entity returns the wallet-wide members documented under Wallet; requesting it on an Account returns that card’s members. Each endpoint returns the members that resource can express — an entity request does not fan the bundle out into per-card responses.

Enrollment:

{
  "enroll": "attribute",
  "payload": {
    "attributes": {
      "bundles": ["wallet_intelligence"]
    }
  }
}

Included attributes:

View all attributes

On an Entity — the wallet as a whole:

Wallet state: utilization, purchasing_power
Spend velocity: utilization_velocity_4_week, utilization_velocity_8_week, utilization_velocity_12_week
Wallet composition: healthy_cards_count, dormant_cards_count, delinquent_cards_count, net_active_cards_count

On an Account — the individual card:

Card state: usage_pattern, utilization, utilization_bucket, purchasing_power
Spend velocity: utilization_velocity_4_week, utilization_velocity_8_week, utilization_velocity_12_week
Wallet position: spend_concentration_4_week, spend_concentration_8_week, spend_concentration_12_week, current_wallet_rank
Activity: weeks_since_last_activity, recent_balance_spike_flag
Timing & metadata: account_age, brand_category, brand_tier, optimal_charge_date (coming soon)

Wallet Intelligence is in active development. Contact your Method CSM for availability and early-access enrollment.

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_credit_cards returns on_time or overdue. Unknown or unavailable source values return insufficient_data.
Boolean delinquency flags return false only when Method has at least one usable non-delinquent signal. 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.
delinquent_balance_total may return a partial aggregate. When that happens, the attribute includes metadata.partial, metadata.accounts_with_data, and metadata.accounts_total.
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": "entity_attribute.create",
  "path": "/entities/<ent_id>/attributes/<attr_id>"
}

{
  "id": "attr_dADraNgLBrhgL",
  "entity_id": "ent_EQ3FCTzDUmmCb",
  "status": "completed",
  "attributes": {
    "revolving_credit_card_balance_total": {
      "value": 968400,
      "error": null,
      "metadata": null
    },
    "credit_limit_total": {
      "value": 8100000,
      "error": null,
      "metadata": null
    },
    "credit_card_utilization": {
      "value": 11.96,
      "error": null,
      "metadata": null
    },
    "weighted_average_apr_credit_card": {
      "value": 29.09,
      "error": null,
      "metadata": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null,
      "metadata": null
    },
    "available_credit_limit_total": {
      "value": 7131600,
      "error": null,
      "metadata": null
    },
    "next_payment_minimum_total_credit_cards": {
      "value": 26600,
      "error": null,
      "metadata": null
    },
    "payment_to_minimum_ratio_avg_credit_cards": {
      "value": 1.92,
      "error": null,
      "metadata": null
    },
    "revolving_credit_card_balance_change_30d": {
      "value": 381700,
      "error": null,
      "metadata": null
    },
    "revolving_credit_card_balance_change_60d": {
      "value": null,
      "error": {
        "type": "ENTITY_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ENTITY_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 27001,
        "message": "Insufficient data to compute this entity attribute."
      },
      "metadata": null
    },
    "revolving_credit_card_utilization_delta_30d": {
      "value": -3.28,
      "error": null,
      "metadata": null
    },
    "mortgage_balance_total": {
      "value": 15586300,
      "error": null,
      "metadata": null
    },
    "heloc_balance_total": {
      "value": 4200000,
      "error": null,
      "metadata": null
    },
    "available_credit_total": {
      "value": 7251600,
      "error": null,
      "metadata": null
    },
    "any_delinquent_flag": {
      "value": true,
      "error": null,
      "metadata": null
    },
    "delinquency_worst_dpd_bucket": {
      "value": "60_dpd",
      "error": null,
      "metadata": null
    },
    "delinquent_balance_total": {
      "value": 18000,
      "error": null,
      "metadata": {
        "partial": true,
        "accounts_with_data": 1,
        "accounts_total": 2
      }
    },
    "delinquent_outcome": {
      "value": "payment_agreement",
      "error": null,
      "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
    },
    "overall_loan_amount_total": {
      "value": 26757400,
      "error": null,
      "metadata": null
    },
    "overall_utilization": {
      "value": 70.5,
      "error": null,
      "metadata": null
    },
    "installment_balance_total": {
      "value": 23605200,
      "error": null,
      "metadata": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}

API Reference

Entities

Accounts

Wallet

Payments

Files

Opal

Elements

Events

Supporting Endpoints

The entity attributes endpoint

Attribute Objects

Available Attributes

Revolving Credit Card

Personal Loan

Mortgage

HELOC

Overall

Delinquency

Direct Pay

Installment

Other

Velocity

Cross-Account

Autopay

Wallet

Available Bundles

Portfolio Intelligence

Wallet Intelligence

Attribute Value Notes

Webhook Payload

​Attribute Objects

​Available Attributes

​Revolving Credit Card

​Personal Loan

​Mortgage

​HELOC

​Overall

​Delinquency

​Direct Pay

​Installment

​Other

​Velocity

​Cross-Account

​Autopay

​Wallet

​Available Bundles

​Portfolio Intelligence

​Wallet Intelligence

​Attribute Value Notes

​Webhook Payload

Attribute Objects

Available Attributes

Revolving Credit Card

Personal Loan

Mortgage

HELOC

Overall

Delinquency

Direct Pay

Installment

Other

Velocity

Cross-Account

Autopay

Wallet

Available Bundles

Portfolio Intelligence

Wallet Intelligence

Attribute Value Notes

Webhook Payload