# credit-report

Schema: #/components/schemas/credit-report

Method: SCHEMA
Version: 1.0
Security: bearer-token

## Schema fields:

  - `id` (string)
    Unique identifier for the report item.
    Example: rpi_F3hQ7wEsLp2xBnVcRuMyTk

  - `status` (string | null)
    Resolved status of this report item:
* `clear` — no findings that warrant adjudication
* `consider` — something to review before making a decision. This does
not necessarily mean adverse information was found.

Null while the report item is still being assembled and no results have been recorded yet.
    Enum: "clear", "consider", null

  - `created_at` (string)
    Timestamp the report item was created.

  - `updated_at` (string)
    Timestamp the report item was last updated.

  - `credit_file_status` (string)
    The status of the request for a credit file from a credit bureau. When the value is not `available`, a credit report cannot be generated.
| Value | Description |
|  --- | --- |
| `available` | Credit file was returned and a score was generated. |
| `frozen` | Applicant's credit file is frozen with the credit bureau. |
| `not_found` | Either the applicant has never used credit, or there's a mismatch in the information provided. |
| `thin_file` | A credit report could not be generated because the applicant has little or no credit history. |
    Enum: "available", "frozen", "not_found", "thin_file"

  - `credit_score` (integer | null)
    Applicant's credit score. `null` when `credit_file_status` is not `available`.
    Example: 712

  - `credit_summary` (any)
    Aggregate summary of the applicant's credit profile. `null` when `credit_file_status` is not `available`.

  - `credit_summary.total_accounts` (integer)
    Total number of credit accounts on file for the applicant.
    Example: 8

  - `credit_summary.on_time_payment_rate` (number | null)
    Share of payments made on time across all reporting accounts, expressed as a value between `0` and `1`.
    Example: 0.97

  - `credit_summary.average_account_age_months` (integer | null)
    Average age of the applicant's credit accounts, in months.
    Example: 84

  - `credit_summary.credit_utilization` (object)
    Revolving credit utilization across the applicant's reporting accounts.

  - `credit_summary.credit_utilization.rate` (number | null)
    Ratio of balance to limit, expressed as a value between `0` and `1`.
    Example: 0.23

  - `credit_summary.credit_utilization.balance_cents` (integer | null)
    Total revolving balance, in cents.

  - `credit_summary.credit_utilization.limit_cents` (integer | null)
    Total revolving credit limit, in cents.

  - `credit_summary.estimated_monthly_payment_cents` (integer | null)
    Estimated total monthly payment across all reporting accounts, in cents.
    Example: 142000

  - `credit_summary.collections_count` (integer)
    Number of accounts in collections, as counted by the bureau. Can differ from the collection records this report returns.
    Example: 0

  - `credit_summary.open_collections_balance_cents` (integer)
    Summed balance of every collection still carrying one, in cents. `0` when none are open.
Includes collections whose own `balance_cents` is withheld, so it is larger than the records alone account for and cannot be reconciled against them.
    Example: 219300

  - `credit_summary.charge_offs_count` (integer)
    Number of accounts charged off by the lender.
    Example: 0

  - `credit_summary.bankruptcies_count` (integer)
    Number of bankruptcies on file.
    Example: 0

  - `credit_summary.payment_timeline` (array)
    Month-by-month payment behavior over the lookback window, ordered oldest to newest.

  - `credit_summary.payment_timeline.month` (string)
    Month the entry covers, in `YYYY-MM` format.
    Example: 2026-02

  - `credit_summary.payment_timeline.on_time_count` (integer)
    Number of payments made on time during the month.

  - `credit_summary.payment_timeline.late_count` (integer)
    Number of payments made late during the month.

  - `credit_summary.payment_timeline.on_time_rate` (number | null)
    Share of payments made on time during the month, expressed as a value between `0` and `1`.

  - `collections` (any)
    Collection accounts behind `credit_summary.collections_count`.
`null` when `credit_file_status` is not `available`.

  - `collections.records` (array)
    One entry per collection account. Empty when the applicant has none.

  - `collections.records.original_creditor_name` (string | null)
    The business the debt was originally owed to, as the bureau reports it. Occasionally a category token rather than a business name (`MEDICAL`, `COLLECTION`), so treat it as an opaque label rather than parsing it.
`null` when the bureau reported no original creditor.
    Example: PARKSIDE PLACE APTS

  - `collections.records.classification` (string | null)
    Industry of the original creditor.
`null` when the bureau reported no classification.
    Enum: "retail", "medical", "oil_company", "government", "personal_services", "insurance", "educational", "banking", "rental_leasing", "utilities", "cable_cellular", "financial", "credit_union", "automotive", "check_guarantee", null

  - `collections.records.status` (string | null)
    Account status as reported by the bureau. `null` when it reported none.
    Example: Open

  - `collections.records.open` (boolean)
    Whether the account is still open.
    Example: true

  - `collections.records.ownership` (string | null)
    Who carries the account, in the bureau's ECOA vocabulary, as a human-readable label.
Also `null` when the bureau reports an unrecognized value.
    Example: Individual

  - `collections.records.account_last4` (string | null)
    Last four characters of the account identifier. The full identifier is never returned. Also `null` when the bureau supplied no identifier.
    Example: 2511

  - `collections.records.balance_cents` (integer | null)
    Amount currently owed on the account, in cents.
    Example: 172620

  - `collections.records.past_due_cents` (integer | null)
    Portion of the balance that is past due, in cents. `0` when nothing is past due.
    Example: 172620

  - `collections.records.opened_date` (string | null)
    Date the collection account was opened.
    Example: 2023-06-03

  - `collections.records.closed_date` (string | null)
    Date the account was closed, if it has been.

  - `collections.records.reported_date` (string | null)
    Date the furnisher last refreshed the account with the bureau.
    Example: 2026-08-16

  - `collections.records.paid_date` (string | null)
    Date the account was paid, if it has been.

  - `bankruptcies` (any)
    Bankruptcy public records behind `credit_summary.bankruptcies_count`, itemized.
`null` when `credit_file_status` is not `available`.

  - `bankruptcies.records` (array)
    One entry per filing. Empty if no bankruptcies were reported.

  - `bankruptcies.records.chapter` (integer | null)
    Chapter of the US Bankruptcy Code the case was filed under. `null` for an unrecognized filing type.
    Enum: 7, 13, null

  - `bankruptcies.records.disposition` (string | null)
    How the case concluded, as a human-readable label.
`null` while the case is still open, or when the reported disposition is unrecognized.
    Example: discharged

  - `bankruptcies.records.active` (boolean)
    Whether the case is still open. `true` when the filing has no recognized disposition, so an unrecognized outcome reads as active rather than asserting a conclusion.
    Example: false

  - `bankruptcies.records.filed_date` (string | null)
    Date the case was filed.
    Example: 2017-01-19

  - `bankruptcies.records.disposition_date` (string | null)
    Date the case concluded — not a payment date. The bureau sets it on dismissals and most discharges, and never while a case is open, so a concluded filing can still report `null` here.
    Example: 2017-02-28