Get a Report

GET /product/report

Get a credit report with transaction ID

Request

Header Parameters

Idempotency-Key stringrequired

A unique, idempotent key. We recommend to use a guid

Agc-Tenant-Id stringrequired

The tenant ID provided by Agility Credit.

Agc-User-Id stringrequired

The requestor user ID.

Agc-Applicant-Id string

If passed, will assign the report to that applicant. If not, will create a new applicant ID

application/json

Body

required

Get report Request format

report_format

object

required

oneOf

MOD1
MOD2

string

Possible values: [json, html, xml, raw, pdf]

Array [

string

Possible values: [json, html, xml, raw, pdf]

]

transaction_idstringrequired

The transaction ID. You'll find this in the response header Agc-Transaction-Id of the inquiry call.

bureau_idstring

Possible values: [equifax, transunion, experian]

Responses

Inquiry processed successfully

application/json

Schema
Example (from schema)

Schema

APPLICANT INFORMATION

object[]

required

Array [

Borrower/CoBorrowerstringrequired

SSNstringrequired

DOBstring

Addressstringrequired

Citystringrequired

Statestringrequired

Zipstringrequired

]

BORROWERS IDENTIFICATIONS

object[]

Array [

AKAstringrequired

]

BORROWERS FORMER ADDRESSES

object[]

Array [

Namestringrequired

Previous Addressstringrequired

Date Reporteddaterequired

]

BORROWERS EMPLOYMENT

object[]

Array [

Employerstringrequired

Employer Addressstring

Reported Datedaterequired

]

CREDIT REPORT SUMMARY

object[]

required

Array [

Categorystringrequired

Countinteger

Openinteger

Closedinteger

Balanceinteger

Paymentsinteger

Past Dueinteger

Currentinteger

30 daysinteger

60 daysinteger

90+ daysinteger

Unratedinteger

Revolving Credit Usagestring

Disputed Accountsinteger

Public Records (BKs)integer

Reposessionsinteger

Collectionsinteger

Foreclosuresinteger

Inquiries (Last 2 Months)integer

]

CREDIT SCORES

object[]

Array [

Score/Modelstringrequired

Factors

object[]

required

Array [

Scorestringrequired

Reasonstringrequired

]

PUBLIC RECORDS (BANKRUPTCIES)

object[]

Array [

Court Namestringrequired

Docketstringrequired

ECOAstringrequired

Statusstringrequired

Filed Datedaterequired

Reported Datedaterequired

]

TRADELINES

object[]

Array [

creditorstringrequired

Creditor of the trade line with account number if included.

ind_jointstringrequired

Possible values: [Undesignated, Individual, Joint, Authorized User, Joint, Co-maker, On Behalf, Maker, Deceased, Undesignated - Terminated, Joint - Terminated, Authorized User - Terminated, Joint - Terminated, Co-maker - Terminated, On Behalf - Terminated, Maker - Terminated, Individual - Terminated]

acct_typestringrequired

Possible values: [Open 30 Day, Revolving, Installment, Mortgage, Line of Credit]

open_closedstringrequired

Possible values: [Open, Closed]

closed_datestringrequired

Closed date in format YYYY-MM-DD

open_datestringrequired

Open date in format YYYY-MM-DD

reported_datestringrequired

Reported date in format YYYY-MM-DD

current_statusstringrequired

Possible values: [Current, Paid/Closed]

balancenumberrequired

Full dolar balance

high_creditnumberrequired

Full dolar high credit

credit_limitnumberrequired

Full dolar credit limit

monthly_paymentnumberrequired

Full dolar monthly payment

days_30integerrequired

days_60integerrequired

days_90integerrequired

bureaustringrequired

Bureau ID followed by 'Borr' or 'CoBorr' to diferiantiate between main and co applicant

notesstringrequired

Notes / Remarks

remainingstringrequired

loan_categorystringrequired

The Loan Category

payment_historystringrequired

Payment History

]

COLLECTIONS

object[]

Array [

creditorstringrequired

ind_jointstringrequired

acct_typestringrequired

open_closedstringrequired

closed_datestringrequired

open_datestringrequired

reported_datestringrequired

current_statusstringrequired

balancenumberrequired

high_creditnumberrequired

credit_limitnumberrequired

monthly_paymentintegerrequired

days_30integerrequired

days_60integerrequired

days_90integerrequired

bureaustringrequired

notesstringrequired

remainingstringrequired

loan_categorystringrequired

payment_historystringrequired

]

INQUIRIES (Last 24 Months)

object[]

Array [

Namestringrequired

Industrystringrequired

Datestringrequired

Subscriber Codestringrequired

]

ALERTS/MESSAGES

object[]

required

Array [

Message Textstringrequired

Message Typestringrequired

Date Reportedstring

]

summary

object

required

Borrower

object

required

Profile Summary

object

required

Overall Credit Scorestringrequired

Total Number of Accountsintegerrequired

Total Number of Active Accountsintegerrequired

Total Number of Closed Accountsintegerrequired

Total Credit Limitnumberrequired

Total Credit Balancenumberrequired

Total Past Duenumberrequired

Total Monthly Paymentnumberrequired

Total Collections Balancenumberrequired

Total Charge-off Balancenumberrequired

{
  "APPLICANT INFORMATION": {
    "Borrower/CoBorrower": "DAVID  MCFARLAND - Borr",
    "SSN": "--",
    "DOB": "",
    "Address": "164 NIEMIETZ CV",
    "City": "CIBOLO",
    "State": "TX",
    "Zip": "781083759"
  },
  "BORROWERS IDENTIFICATIONS": [
    {
      "AKA": "DAVID MCFARLAND"
    },
    {
      "AKA": "DAVID MCORLORD"
    },
    {
      "AKA": "HARTSORN MCFARLAND"
    }
  ],
  "BORROWERS FORMER ADDRESSES": [
    {
      "Name": "DAVID  MCFARLAND",
      "Previous Address": "164 NIEMIETZ CV, CIBOLO, TX 781083759",
      "Date Reported": "2023-11-25"
    },
    {
      "Name": "DAVID  MCFARLAND",
      "Previous Address": "783 CHAFFEE RD, SAN ANTONIO, TX 782341210",
      "Date Reported": "2020-05-22"
    },
    {
      "Name": "DAVID  MCFARLAND",
      "Previous Address": "5201 GOLD NUGGET DR, FORT IRWIN, CA 923102101",
      "Date Reported": "2014-11-11"
    }
  ],
  "BORROWERS EMPLOYMENT": [
    {
      "Employer": "CAMP ATTERBURY",
      "Employer Address": "EDINBURGH",
      "Reported Date": "2023-08-15"
    },
    {
      "Employer": "GAREY S CATERING",
      "Employer Address": "",
      "Reported Date": "2022-03-05"
    }
  ],
  "CREDIT REPORT SUMMARY": [
    {
      "Category": "Auto",
      "Count": 2,
      "Open": 0,
      "Closed": 2,
      "Balance": "$0",
      "Payments": "$0",
      "Past Due": "$0",
      "Current": 0,
      "30 days": 0,
      "60 days": 0,
      "90+ days": 0,
      "Unrated": 0
    },
    {
      "Category": "Mortgage",
      "Count": 2,
      "Open": 1,
      "Closed": 1,
      "Balance": "$32160",
      "Payments": "$0",
      "Past Due": "$0",
      "Current": 1,
      "30 days": 0,
      "60 days": 0,
      "90+ days": 0,
      "Unrated": 0
    },
    {
      "Category": "Non-Auto Installment",
      "Count": 3,
      "Open": 0,
      "Closed": 3,
      "Balance": "$715",
      "Payments": "$0",
      "Past Due": "$0",
      "Current": 0,
      "30 days": 0,
      "60 days": 0,
      "90+ days": 0,
      "Unrated": 0
    },
    {
      "Category": "Revolving",
      "Count": 7,
      "Open": 4,
      "Closed": 3,
      "Balance": "$4914",
      "Payments": "$0",
      "Past Due": "$0",
      "Current": 4,
      "30 days": 0,
      "60 days": 0,
      "90+ days": 0,
      "Unrated": 0
    },
    {
      "Revolving Credit Usage": "23%",
      "Disputed Accounts": 0,
      "Public Records (BKs)": 1,
      "Reposessions": 0,
      "Collections": 2,
      "Foreclosures": 0,
      "Inquiries (Last 2 Months)": 0,
      "Category": "Summary"
    }
  ],
  "CREDIT SCORES": [
    {
      "Score/Model": "0635: Experian/Fair Isaac Auto Loan V9",
      "Factors": [
        {
          "Score": "38",
          "Reason": "Serious delinquency, and public record or collection filed"
        },
        {
          "Score": "16",
          "Reason": "Lack of recent revolving account information"
        },
        {
          "Score": "19",
          "Reason": "Code not found"
        },
        {
          "Score": "05",
          "Reason": "Too many accounts with balances"
        }
      ]
    },
    {
      "Score/Model": "0736: VantageScore 4.0",
      "Factors": [
        {
          "Score": "31",
          "Reason": "Code not found"
        },
        {
          "Score": "12",
          "Reason": "Length of time revolving accounts have been established"
        },
        {
          "Score": "87",
          "Reason": "Code not found"
        },
        {
          "Score": "04",
          "Reason": "Code not found"
        }
      ]
    }
  ],
  "PUBLIC RECORDS (BANKRUPTCIES)": [
    {
      "Court Name": "US BKPT CT AL TUSCALOO",
      "Docket": "0172832CMS",
      "ECOA": "1",
      "Status": "Bankruptcy chapter 13-discharged",
      "Filed Date": "2020-01-12",
      "Reported Date": "2023-09-11"
    }
  ],
  "TRADELINES": [
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Closed",
      "closed_date": "2021-07",
      "open_date": "2021-07",
      "reported_date": "2021-09",
      "current_status": "Current",
      "balance": "$715",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Collection Department/Agency/Attorney",
      "payment_history": "99"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Closed",
      "closed_date": "2020-01",
      "open_date": "2017-05",
      "reported_date": "2020-01",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 1,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Auto Loan",
      "payment_history": "732111112221<br>111112112112<br>12111111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Closed",
      "closed_date": "2020-01",
      "open_date": "2013-09",
      "reported_date": "2020-01",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "FHA Real Estate Loan",
      "payment_history": "722121212122<br>111121221122<br>212121111111<br>111111111111<br>111111111111<br>111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Revolving",
      "open_closed": "Closed",
      "closed_date": "2020-06",
      "open_date": "2019-03",
      "reported_date": "2020-06",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "$270",
      "credit_limit": "UNKNOWN",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Credit Card",
      "payment_history": "711111111211"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Revolving",
      "open_closed": "Closed",
      "closed_date": "2020-03",
      "open_date": "2005-08",
      "reported_date": "2020-03",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "$1185",
      "credit_limit": "$1200",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Credit Card",
      "payment_history": "711111111111<br>111111111111<br>111111111111<br>111111111111<br>111111111111<br>111111111111<br>11111111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Closed",
      "closed_date": "2020-02",
      "open_date": "2018-01",
      "reported_date": "2020-02",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Collection Department/Agency/Attorney",
      "payment_history": "7"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Joint",
      "acct_type": "Revolving",
      "open_closed": "Closed",
      "closed_date": "2022-01",
      "open_date": "2002-10",
      "reported_date": "2022-01",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "$416",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Charge Account",
      "payment_history": "U"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Closed",
      "closed_date": "2019-10",
      "open_date": "2018-01",
      "reported_date": "2019-10",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Collection Department/Agency/Attorney",
      "payment_history": "U9"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Closed",
      "closed_date": "2017-06",
      "open_date": "2014-04",
      "reported_date": "2017-06",
      "current_status": "Paid/Closed",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Auto Loan",
      "payment_history": "U11111111111<br>111111111111<br>1111111111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Authorized User",
      "acct_type": "Revolving",
      "open_closed": "Open",
      "closed_date": "nan",
      "open_date": "2012-10",
      "reported_date": "2024-04",
      "current_status": "Current",
      "balance": "$2409",
      "high_credit": "-",
      "credit_limit": "$16500",
      "monthly_payment": "-",
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Credit Card",
      "payment_history": "111111111111<br>111111111111<br>111111111111<br>111111111111<br>111111111111<br>111111111111<br>111111111111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Authorized User",
      "acct_type": "Revolving",
      "open_closed": "Open",
      "closed_date": "nan",
      "open_date": "2022-09",
      "reported_date": "2024-04",
      "current_status": "Current",
      "balance": "$1988",
      "high_credit": "$2022",
      "credit_limit": "UNKNOWN",
      "monthly_payment": "-",
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Credit Card",
      "payment_history": "111111111111<br>11111111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Installment",
      "open_closed": "Open",
      "closed_date": "nan",
      "open_date": "2013-09",
      "reported_date": "2024-04",
      "current_status": "Current",
      "balance": "$32160",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": "-",
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "FHA Real Estate Loan",
      "payment_history": "111111111111<br>111111111111<br>11111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Authorized User",
      "acct_type": "Revolving",
      "open_closed": "Open",
      "closed_date": "nan",
      "open_date": "2022-10",
      "reported_date": "2024-04",
      "current_status": "Current",
      "balance": "$517",
      "high_credit": "$646",
      "credit_limit": "$4200",
      "monthly_payment": "-",
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Credit Card",
      "payment_history": "111111111111<br>1111111"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Revolving",
      "open_closed": "Open",
      "closed_date": "nan",
      "open_date": "2011-03",
      "reported_date": "2018-11",
      "current_status": "Current",
      "balance": "$0",
      "high_credit": "$505",
      "credit_limit": "UNKNOWN",
      "monthly_payment": "-",
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Charge Account",
      "payment_history": "111111111111<br>111111"
    }
  ],
  "COLLECTIONS": [
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Collection",
      "open_closed": "Closed",
      "closed_date": "2021-07",
      "open_date": "2021-07",
      "reported_date": "2021-09",
      "current_status": "Current",
      "balance": "$715",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Collection",
      "payment_history": "99"
    },
    {
      "creditor": "FURNISHER\n ",
      "ind_joint": "Individual",
      "acct_type": "Collection",
      "open_closed": "Closed",
      "closed_date": "2019-10",
      "open_date": "2018-01",
      "reported_date": "2019-10",
      "current_status": "Current",
      "balance": "-",
      "high_credit": "-",
      "credit_limit": "-",
      "monthly_payment": 0,
      "days_30": 0,
      "days_60": 0,
      "days_90": 0,
      "bureau": "EXP-Borr",
      "notes": "-",
      "remaining": "TBD",
      "loan_category": "Collection",
      "payment_history": "U9"
    }
  ],
  "INQUIRIES (Last 12 Months)": [
    {
      "Name": "No Records Found",
      "Industry": "-",
      "Date": "-",
      "Subscriber Code": "-"
    }
  ],
  "ALERTS/MESSAGES": [
    {
      "Message Text": "MATCH NOT FOUND IN CDC'S OFAC DATABASE",
      "Message Type": "OFAC",
      "Date Reported": "-"
    }
  ],
  "BUREAU CONTACTS": [
    {
      "Bureau": "Equifax",
      "Address": "P.O Box 740241, Atlanta, GA 30374",
      "Telephone": "800-685-1111",
      "Website": "www.equifax.com"
    },
    {
      "Bureau": "Experian",
      "Address": "P.O Box 2002, Allen, TX 75013",
      "Telephone": "800-397-3742",
      "Website": "www.experian.com"
    },
    {
      "Bureau": "TransUnion",
      "Address": "P.O Box 1000, Chester, PA 19016",
      "Telephone": "800-916-8800",
      "Website": "www.transunion.com"
    }
  ]
}

Bad Request

application/json

Schema
Example (from schema)

Schema

statusstring

messagestring

{
  "status": "Bad Request - Invalid Parameters",
  "message": "Failed schema validation. Error: data.pull_type must be one of ['prequal', 'hard'], Path: ['data', 'pull_type'], Data: prequalification"
}

Unauthorized

application/json

Schema
Example (from schema)

Schema

messagestring

{
  "message": "Unauthorized"
}

Too Many Requests

application/json

Schema
Example (from schema)

Schema

messagestring

{
  "message": "Too Many Requests"
}

Internal Server Error

application/json

Schema
Example (from schema)

Schema

messagestring

{
  "message": "Agility Server Error"
}

Get a Report

/product/report

Request​

Header Parameters

Body

Responses​

Request

Responses