API Reference
Entities
- The entity endpoint
- POSTCreate an Individual
- POSTCreate a Corporation
- PUTUpdate an Entity
- GETRetrieve an Entity
- GETList all Entities
- Connect
- Verification Sessions
- Credit Scores
- Attributes
- Vehicles
- Identities
- Products
- Subscriptions
- Consent
Accounts
- The account endpoint
- POSTCreate an Account
- GETRetrieve an Account
- GETList all Accounts
- Updates
- Transactions
- Card Brand
- Attributes
- Payoffs
- Balances
- Sensitive
- Products
- Subscriptions
- Verification Sessions
- Consent
Payments
Supporting Endpoints
- Merchants
- Webhooks
- Reports
- Simulations (Dev)
- Health Check
The entity attributes endpoint
{
"id": "attr_nrPjaahMX4yRA",
"entity_id": "ent_AdMkLRpcgTGBQ",
"status": "completed",
"attributes": {
"credit_health_credit_card_usage": {
"value": 22,
"rating": "good"
},
"credit_health_derogatory_marks": {
"value": 1,
"rating": "fair"
},
"credit_health_hard_inquiries": {
"value": 1,
"rating": "fair"
},
"credit_health_total_accounts": {
"value": 15,
"rating": "fair"
},
"credit_health_credit_age": {
"value": 42,
"rating": "needs_work"
},
"credit_health_payment_history": {
"value": 100,
"rating": "excellent"
},
"credit_health_open_accounts": {
"value": 10,
"rating": "no_rating"
},
"credit_health_entity_delinquent": {
"value": true,
"rating": "no_rating",
"metadata": {
"delinquent_account_ids": [
"acc_4xJ38CQy3mNRr",
"acc_NMi7FhTJYeBYy"
]
}
}
},
"error": null,
"created_at": "2024-09-09T00:16:44.838Z",
"updated_at": "2024-09-09T00:16:44.838Z"
}
The Entity Attributes endpoint provides various credit health attributes for an Entity.
The Entity Attributes endpoint is available as a:
Type | Use-Case |
---|---|
Product | On-Demand view of an Entity’s credit attributes. |
Subscription | Comprehensive view of an Entity’s attributes and continuous near real-time updates on attributes. Webhook Payload |
Attribute Objects
Unique identifier for the EntityAttribute.
The ID of the associated Entity.
Status of the EntityAttribute.
pending
The EntityAttribute is queued to be retrieved.
in_progress
The EntityAttribute is being retrieved.
completed
The EntityAttribute has successfully been retrieved.
failed
The EntityAttribute failed to be retrieved.
An object containing various credit health attributes.
Credit usage percentage.
The value of the credit card usage.
The rating of the credit card usage.
excellent
The credit card usage is excellent.
good
The credit card usage is good.
fair
The credit card usage is fair.
needs_work
The credit card usage needs work.
Count of derogatory marks like collection records and public records.
The value of the derogatory marks.
The rating of the derogatory marks.
excellent
The derogatory marks are excellent.
good
The derogatory marks are good.
fair
The derogatory marks are fair.
needs_work
The derogatory marks need work.
Count of hard inquiries.
The count of hard inquiries.
The rating of the hard inquiries.
excellent
The hard inquiries are excellent.
good
The hard inquiries are good.
fair
The hard inquiries are fair.
needs_work
The hard inquiries need work.
Total number of open accounts.
The count of total accounts.
The rating of the total accounts.
excellent
The total accounts are excellent.
good
The total accounts are good.
fair
The total accounts are fair.
needs_work
The total accounts need work.
The average age of all open accounts.
The percentage of on-time payments.
The percentage of on-time payments.
The rating of the payment history.
excellent
The payment history is excellent.
good
The payment history is good.
fair
The payment history is fair.
needs_work
The payment history needs work.
Whether the entity is delinquent.
Whether the entity is delinquent.
The rating of the delinquency.
no_rating
No rating is available.
An object representing an error that occurred while processing this EntityAttribute. See EntityAttribute errors.
Timestamp of when the EntityAttribute was created.
Timestamp of when the EntityAttribute was last updated.
Webhook Payload
The Webhook payload will contain the following information:
{
"id": "string",
"type": "attribute.create"
"path": "/entities/<ent_id>/attributes/<attr_id>"
}
{
"id": "attr_nrPjaahMX4yRA",
"entity_id": "ent_AdMkLRpcgTGBQ",
"status": "completed",
"attributes": {
"credit_health_credit_card_usage": {
"value": 22,
"rating": "good"
},
"credit_health_derogatory_marks": {
"value": 1,
"rating": "fair"
},
"credit_health_hard_inquiries": {
"value": 1,
"rating": "fair"
},
"credit_health_total_accounts": {
"value": 15,
"rating": "fair"
},
"credit_health_credit_age": {
"value": 42,
"rating": "needs_work"
},
"credit_health_payment_history": {
"value": 100,
"rating": "excellent"
},
"credit_health_open_accounts": {
"value": 10,
"rating": "no_rating"
},
"credit_health_entity_delinquent": {
"value": true,
"rating": "no_rating",
"metadata": {
"delinquent_account_ids": [
"acc_4xJ38CQy3mNRr",
"acc_NMi7FhTJYeBYy"
]
}
}
},
"error": null,
"created_at": "2024-09-09T00:16:44.838Z",
"updated_at": "2024-09-09T00:16:44.838Z"
}
{
"id": "attr_nrPjaahMX4yRA",
"entity_id": "ent_AdMkLRpcgTGBQ",
"status": "completed",
"attributes": {
"credit_health_credit_card_usage": {
"value": 22,
"rating": "good"
},
"credit_health_derogatory_marks": {
"value": 1,
"rating": "fair"
},
"credit_health_hard_inquiries": {
"value": 1,
"rating": "fair"
},
"credit_health_total_accounts": {
"value": 15,
"rating": "fair"
},
"credit_health_credit_age": {
"value": 42,
"rating": "needs_work"
},
"credit_health_payment_history": {
"value": 100,
"rating": "excellent"
},
"credit_health_open_accounts": {
"value": 10,
"rating": "no_rating"
},
"credit_health_entity_delinquent": {
"value": true,
"rating": "no_rating",
"metadata": {
"delinquent_account_ids": [
"acc_4xJ38CQy3mNRr",
"acc_NMi7FhTJYeBYy"
]
}
}
},
"error": null,
"created_at": "2024-09-09T00:16:44.838Z",
"updated_at": "2024-09-09T00:16:44.838Z"
}