Credit Report

A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts.

To use the Upload PDF endpoint for this document, you must use CREDIT_REPORT in the form_type parameter.

Field descriptions

The following fields are available on this document type:

JSON AttributeData TypeDescription
credit_report-Part1-General:borrowerNameTextBorrower Name
credit_report-Part1-General:co-borrowerNameTextCo-Borrower Name
credit_report-Part1-General:applicant(s)CurrentAddress:addressLine1TextApplicant(s) Current Address
credit_report-Part1-General:applicant(s)CurrentAddress:addressLine2TextApplicant(s) Current Address
credit_report-Part1-General:applicant(s)CurrentAddress:cityTextApplicant(s) Current Address
credit_report-Part1-General:applicant(s)CurrentAddress:stateStateApplicant(s) Current Address
credit_report-Part1-General:applicant(s)CurrentAddress:zipCodeZIP CodeApplicant(s) Current Address
credit_report-Part1-General:applicant(s)PreviousAddress:addressLine1TextApplicant(s) Previous Address
credit_report-Part1-General:applicant(s)PreviousAddress:addressLine2TextApplicant(s) Previous Address
credit_report-Part1-General:applicant(s)PreviousAddress:cityTextApplicant(s) Previous Address
credit_report-Part1-General:applicant(s)PreviousAddress:stateStateApplicant(s) Previous Address
credit_report-Part1-General:applicant(s)PreviousAddress:zipCodeZIP CodeApplicant(s) Previous Address
credit_report-Part1-General:borrowerSocialSecurityNumberSocial Security NumberBorrower Social Security Number
credit_report-Part1-General:co-borrowerSocialSecurityNumberSocial Security NumberCo-Borrower Social Security Number
credit_report-Part1-General:filePulledDateDateFile Pulled Date
credit_report-Part1-General:fileOrderedDateDateFile Ordered Date
credit_report-Part1-General:sendToNameTextSend To Name
credit_report-Part1-General:sendToAddress:addressLine1TextSend To Address
credit_report-Part1-General:sendToAddress:addressLine2TextSend To Address
credit_report-Part1-General:sendToAddress:cityTextSend To Address
credit_report-Part1-General:sendToAddress:stateStateSend To Address
credit_report-Part1-General:sendToAddress:zipZIP CodeSend To Address
credit_report-Part1-General:reportNumberTextReport Number
credit_report-Part1-General:applicantMaritalStatusSINGLE, MARRIEDApplicant Marital Status
credit_report-Part1-General:borrowerDateOfBirthDateBorrower Date of Birth
credit_report-Part1-General:co-borrowerDateOfBirthDateCo-Borrower Date of Birth
credit_report-Part2-ScoreModels:borrowerFicoScoreExperianIntegerBorrower FICO Score Experian
credit_report-Part2-ScoreModels:borrowerFicoScoreEquifaxIntegerBorrower FICO Score Equifax
credit_report-Part2-ScoreModels:borrowerFicoScoreTransunionIntegerBorrower FICO Score Transunion
credit_report-Part2-ScoreModels:co-borrower/co-applicantFicoScoreExperianIntegerCo-Borrower/Co-Applicant FICO Score Experian
credit_report-Part2-ScoreModels:co-borrower/co-applicantFicoScoreEquifaxIntegerCo-Borrower/Co-Applicant FICO Score Equifax
credit_report-Part2-ScoreModels:co-borrower/co-applicantFicoScoreTransunionIntegerCo-Borrower/Co-Applicant FICO Score Transunion
credit_report-Part3-TradeSummary:securedDebtTotalMoneySecured Debt Total
credit_report-Part3-TradeSummary:unsecuredDebtTotalMoneyUnsecured Debt Total
credit_report-Part3-TradeSummary:paymentsTotalMoneyPayments Total
credit_report-Part3-TradeSummary:pastDueTotalMoneyPast Due Total
credit_report-Part3-TradeSummary:revolvingCreditUtilizationPercentagePercentageRevolving Credit Utilization Percentage
credit_report-Part4-DerogatorySummary:chargeOffsTotalIntegerCharge Offs Total
credit_report-Part4-DerogatorySummary:collectionsTotalIntegerCollections Total
credit_report-Part4-DerogatorySummary:bankruptcyTotalIntegerBankruptcy Total
credit_report-Part4-DerogatorySummary:30DaysTotalInteger30 Days Total
credit_report-Part4-DerogatorySummary:60DaysTotalInteger60 Days Total
credit_report-Part4-DerogatorySummary:90DaysTotalInteger90 Days Total
credit_report-Part4-DerogatorySummary:disputesTotalIntegerDisputes Total
credit_report-Part4-DerogatorySummary:mostRecentLateDateDateMost Recent Late Date
credit_report-Part4-DerogatorySummary:inquiriesTotalIntegerInquiries Total

Sample document

Sample JSON result

{
    "status": 200,
    "response": {
        "pk": 29946544,
        "uuid": "2410cd7f-b35d-46ba-b956-ac31f8e4b57b",
        "forms": [
                        {
                "pk": 44474681,
                "uuid": "da187cb8-be2b-4b8c-b2d3-51c970ad1e8e",
                "uploaded_doc_pk": 52114557,
                "form_type": "CREDIT_REPORT",
                "raw_fields": {
                    "credit_report-Part3-TradeSummary:pastDueTotal": {
                        "value": "0.00",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part3-TradeSummary:paymentsTotal": {
                        "value": "1658.00",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part3-TradeSummary:securedDebtTotal": {
                        "value": "149670.00",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:30DaysTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:60DaysTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:90DaysTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part3-TradeSummary:unsecuredDebtTotal": {
                        "value": "2926.00",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:disputesTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:inquiriesTotal": {
                        "value": "18",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:bankruptcyTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:chargeOffsTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:collectionsTotal": {
                        "value": "0",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part4-DerogatorySummary:mostRecentLateDate": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part3-TradeSummary:revolvingCreditUtilizationPercentage": {
                        "value": "3%",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:sendToName": {
                        "value": "FAKE COMPANY LLC",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:borrowerName": {
                        "value": "SAMPLE JOE",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:reportNumber": {
                        "value": "123456",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:filePulledDate": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:co-borrowerName": {
                        "value": "JOHN SAMPLE SMITH",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:fileOrderedDate": {
                        "value": "01/01/2022",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:sendToAddress:zip": {
                        "value": "12345-6789",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:sendToAddress:city": {
                        "value": "SAMPLE CITY",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:borrowerDateOfBirth": {
                        "value": "01/01/2001",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:sendToAddress:state": {
                        "value": "NY",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicantMaritalStatus": {
                        "value": "SINGLE",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:co-borrowerDateOfBirth": {
                        "value": "01/01/2000",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:sendToAddress:addressLine1": {
                        "value": "123 FAKE STREET AVE.",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:sendToAddress:addressLine2": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:borrowerSocialSecurityNumber": {
                        "value": "123-45-6789",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf",
                        "validation_error": "Borrower social security should not be equal to co-borrower social security. User should review document."
                    },
                    "credit_report-Part2-ScoreModels:borrowerFicoScoreEquifax": {
                        "value": "650",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part2-ScoreModels:borrowerFicoScoreExperian": {
                        "value": "880",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)CurrentAddress:city": {
                        "value": "SAMPLE CITY",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:co-borrowerSocialSecurityNumber": {
                        "value": "123-45-6789",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part2-ScoreModels:borrowerFicoScoreTransunion": {
                        "value": "834",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)CurrentAddress:state": {
                        "value": "CA",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)PreviousAddress:city": {
                        "value": "FAKE CITY",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)PreviousAddress:state": {
                        "value": "CA",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)CurrentAddress:zipCode": {
                        "value": "12345",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)PreviousAddress:zipCode": {
                        "value": "12345",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)CurrentAddress:addressLine1": {
                        "value": "123 SAMPLE STREET AVE",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)CurrentAddress:addressLine2": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)PreviousAddress:addressLine1": {
                        "value": "1234 FAKE ROAD UNIT",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part1-General:applicant(s)PreviousAddress:addressLine2": {
                        "value": "UNIT #12",
                        "is_empty": false,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part2-ScoreModels:co-borrower/co-applicantFicoScoreEquifax": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part2-ScoreModels:co-borrower/co-applicantFicoScoreExperian": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    },
                    "credit_report-Part2-ScoreModels:co-borrower/co-applicantFicoScoreTransunion": {
                        "value": "",
                        "is_empty": true,
                        "alias_used": null,
                        "source_filename": "Credit report API.pdf"
                    }
                },
                "form_config_pk": 93643,
                "tables": []
            },
    "message": "OK"
}