Make an Inquiry
POST/credit-reports
The "Make an Inquiry" section allows users to submit a request for credit information based on provided applicant details. By filling in required applicant information, users can retrieve borrower and co-borrower credit profiles, employment history, credit scores, public records, trade lines, collections data, inquiries, and summary reports. This section enables users to access comprehensive credit information for decision-making processes.
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
Inquiry request payload
- MOD1
- MOD2
Array [
]
bureau_idstringrequired
Possible values: [equifax, transunion, experian]
pull_typestringrequired
Possible values: [prequal, hard]
applicant_main
object
required
first_namestringrequired
The first name of the applicant. [REQUIRED]
middle_namestring
The middle name of the applicant. Middle name can be an initial.
last_namestringrequired
The last name of the applicant. [REQUIRED]
ssnstring
The SSN of the applicant. Required if pull_type is set to 'hard'.
dobstring
The date of birth of the applicant. Required if pull_type is set to 'hard'.
phonestring
The phone number of the applicant.
emailstring
The email address of the applicant.
addressstringrequired
The address of the applicant. The format is '{house_number} {street_name} {street_type} {direction}'. street_type and direction are optional. [REQUIRED]
zipstringrequired
The ZIP code of the applicant. [REQUIRED]
statestringrequired
The state of the applicant. [REQUIRED]
citystringrequired
The city of the applicant. Abbreviation of the city name. E.g 'NY'. [REQUIRED]
applicant_co
object
first_namestringrequired
The first name of the applicant. [REQUIRED]
middle_namestring
The middle name of the applicant. Middle name can be an initial.
last_namestringrequired
The last name of the applicant. [REQUIRED]
ssnstring
The SSN of the applicant. Required if pull_type is set to 'hard'.
dobstring
The date of birth of the applicant. Required if pull_type is set to 'hard'.
phonestring
The phone number of the applicant.
emailstring
The email address of the applicant.
addressstringrequired
The address of the applicant. The format is '{house_number} {street_name} {street_type} {direction}'. street_type and direction are optional. [REQUIRED]
zipstringrequired
The ZIP code of the applicant. [REQUIRED]
statestringrequired
The state of the applicant. [REQUIRED]
citystringrequired
The city of the applicant. Abbreviation of the city name. E.g 'NY'. [REQUIRED]
report_format
object
required
oneOf
string
Possible values: [json, html, xml, raw, pdf]
string
Possible values: [json, html, xml, raw, pdf]
featuresarray
score_modelsarray
Responses
- 200
- 400
- 401
- 429
- 500
Inquiry processed succesfully
Response Headers
Agc-Applicant-Id
string
The applicant id
Source-Ip
string
The source IP
Agc-Report-Id
string
A unique identifier for this transaction.
Agc-Api-Version
string
We update the API major version whenever we introduce breaking changes. Internally, we update minor and patch versions whenever we add functionality and backward-compatible updates
X-Rate-Limit
integer
The current limit on a 5-minute window.
X-Rate-Limit-Remaining
integer
The remaining calls on a 5-minute window.
Timestamp
string
The timestamp of the request reception.
- application/json
- Schema
- Example (from schema)
Schema
- InquiryResponse
- InquiryResponseWithBureauError
Array [
]
Array [
]
Array [
]
Array [
]
Array [
]
Array [
Array [
]
]
Array [
]
Array [
]
Array [
]
Array [
]
Array [
]
Array [
]
oneOf
APPLICANT INFORMATION
object[]
required
Borrower/CoBorrowerstringrequired
SSNstringrequired
DOBstring
Addressstringrequired
Citystringrequired
Statestringrequired
Zipstringrequired
BORROWERS IDENTIFICATIONS
object[]
AKAstringrequired
BORROWERS FORMER ADDRESSES
object[]
Namestringrequired
Previous Addressstringrequired
Date Reporteddaterequired
BORROWERS EMPLOYMENT
object[]
Employerstringrequired
Employer Addressstring
Reported Datedaterequired
CREDIT REPORT SUMMARY
object[]
required
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[]
Scorestring
Modelstring
Factors
object[]
required
Scorestringrequired
Reasonstringrequired
AUTO ACCOUNT SUMMARY
object[]
est_aprstringrequired
Estimated APR percentage
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
The Loan Category
payment_historystringrequired
Payment History
original_amountintegerrequired
Original loan Amount
last_payment_datestringrequired
Date of last payment
phone_numberstringrequired
Contact number associated with the account
months_reviewedintegerrequired
Number of months reviewed for the account
charge_offintegerrequired
Charge off amount, if applicable
past_dueintegerrequired
Past due amount, if applicable
account_numberintegerrequired
Unique identifier for the account
customer_numberstringrequired
Unique identifier for the customer
kobstringrequired
Kind of business
termintegerrequired
Loan term
trade_typestringrequired
Type of trade (e.g., mortgage, credit card)
PUBLIC RECORDS (BANKRUPTCIES)
object[]
Court Namestringrequired
Docketstringrequired
ECOAstringrequired
Statusstringrequired
Filed Datedaterequired
Reported Datedaterequired
TRADELINES
object[]
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
The Loan Category
payment_historystringrequired
Payment History
original_amountintegerrequired
Original loan Amount
last_payment_datestringrequired
Date of last payment
phone_numberstringrequired
Contact number associated with the account
months_reviewedintegerrequired
Number of months reviewed for the account
charge_offintegerrequired
Charge off amount, if applicable
past_dueintegerrequired
Past due amount, if applicable
account_numberintegerrequired
Unique identifier for the account
customer_numberstringrequired
Unique identifier for the customer
kobstringrequired
Kind of business
termintegerrequired
Loan term
trade_typestringrequired
Type of trade (e.g., mortgage, credit card)
COLLECTIONS
object[]
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
The Loan Category
payment_historystringrequired
Payment History
original_amountintegerrequired
Original loan Amount
last_payment_datestringrequired
Date of last payment
phone_numberstringrequired
Contact number associated with the account
months_reviewedintegerrequired
Number of months reviewed for the account
charge_offintegerrequired
Charge off amount, if applicable
past_dueintegerrequired
Past due amount, if applicable
account_numberintegerrequired
Unique identifier for the account
customer_numberstringrequired
Unique identifier for the customer
kobstringrequired
Kind of business
termintegerrequired
Loan term
trade_typestringrequired
Type of trade (e.g., mortgage, credit card)
INQUIRIES (Last 24 Months)
object[]
Namestringrequired
Industrystringrequired
Datestringrequired
Subscriber Codestringrequired
ALERTS/MESSAGES
object[]
required
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
messagestring
{
"APPLICANT INFORMATION": [
{
"Borrower/CoBorrower": "PPTRON W YEKTJ - Borr",
"SSN": "-",
"DOB": "-",
"Address": "8698 NKCPBPZQB EXT",
"City": "COLUMBUS",
"State": "GA",
"Zip": "31925"
}
],
"BORROWERS IDENTIFICATIONS": [
{
"AKA": "PGL YVYMT"
},
{
"AKA": "XGBFKS WVEHD"
},
{
"AKA": "OHI IWEYOL"
},
{
"AKA": "EZCWZ YMR"
}
],
"BORROWERS FORMER ADDRESSES": [
{
"Name": "PPTRON W YEKTJ",
"Previous Address": "903 FMRNSHFS BRG, ATLANTA, GA 31199",
"Date Reported": "2019-05-01"
}
],
"BORROWERS EMPLOYMENT": [
{
"Employer": "NUNVAXBQGIZK",
"Occupation": "ZTYJWSSYWXSRV",
"Status": "Current"
},
{
"Employer": "WDRKMGFFGYU",
"Occupation": "OENOKCYXVPINS",
"Status": "Former"
}
],
"CREDIT REPORT SUMMARY": [
{
"Category": "Auto",
"Count": 3,
"Open": 3,
"Closed": 0,
"Balance": 25620,
"Payments": 1086,
"Past Due": 6720,
"Current": 1,
"30 days": 0,
"60 days": 0,
"90+ days": 2,
"Unrated": 0
},
{
"Category": "Collection",
"Count": 9,
"Open": 2,
"Closed": 7,
"Balance": 5893,
"Payments": 3494,
"Past Due": 0,
"Current": 0,
"30 days": 0,
"60 days": 0,
"90+ days": 7,
"Unrated": 0
},
{
"Category": "Open 30 Day",
"Count": 4,
"Open": 2,
"Closed": 2,
"Balance": 0,
"Payments": 0,
"Past Due": 0,
"Current": 0,
"30 days": 0,
"60 days": 0,
"90+ days": 4,
"Unrated": 0
},
{
"Category": "Revolving",
"Count": 3,
"Open": 1,
"Closed": 2,
"Balance": 3339,
"Payments": 15,
"Past Due": 0,
"Current": 1,
"30 days": 0,
"60 days": 0,
"90+ days": 2,
"Unrated": 0
},
{
"Revolving Credit Usage": "0%",
"Disputed Accounts": 0,
"Public Records (BKs)": 0,
"Reposessions": 2,
"Collections": 2,
"Foreclosures": 0,
"Inquiries (Last 24 Months)": 45,
"Category": "Summary"
}
],
"CREDIT SCORES": [
{
"Score": "446",
"Model": "FICO AUTO 8-EFX-N",
"Factors": [
{
"Score": "38",
"Reason": "Serious delinquency, and public record or collection filed"
},
{
"Score": "13",
"Reason": "Time since delinquency is too recent or unknown"
},
{
"Score": "10",
"Reason": "Proportion of balances to credit limits on bank/national revolving accounts is too high"
},
{
"Score": "18",
"Reason": "Number of accounts with delinquency"
}
]
},
{
"Score": "459",
"Model": "FICO AUTO 9-EFX-N",
"Factors": [
{
"Score": "38",
"Reason": "Serious delinquency, and public record or collection filed"
},
{
"Score": "13",
"Reason": "Time since delinquency is too recent or unknown"
},
{
"Score": "10",
"Reason": "Proportion of balances to credit limits on bank/national revolving accounts is too high"
},
{
"Score": "05",
"Reason": "Too many accounts with balances"
}
]
},
{
"Score": "446",
"Model": "FICO AUTO 8-EFX-F",
"Factors": [
{
"Score": "38",
"Reason": "Serious delinquency, and public record or collection filed"
},
{
"Score": "13",
"Reason": "Time since delinquency is too recent or unknown"
},
{
"Score": "10",
"Reason": "Proportion of balances to credit limits on bank/national revolving accounts is too high"
},
{
"Score": "18",
"Reason": "Number of accounts with delinquency"
}
]
},
{
"Score": "479",
"Model": "FICO SCORE 8-EFX-N",
"Factors": [
{
"Score": "38",
"Reason": "Serious delinquency, and public record or collection filed"
},
{
"Score": "10",
"Reason": "Proportion of balances to credit limits on bank/national revolving accounts is too high"
},
{
"Score": "18",
"Reason": "Number of accounts with delinquency"
},
{
"Score": "13",
"Reason": "Time since delinquency is too recent or unknown"
}
]
},
{
"Score": "451",
"Model": "V4",
"Factors": [
{
"Score": "68",
"Reason": "Code not found"
},
{
"Score": "37",
"Reason": "Code not found"
},
{
"Score": "53",
"Reason": "Code not found"
},
{
"Score": "05",
"Reason": "Too many accounts with balances"
}
]
}
],
"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"
}
],
"AUTO ACCOUNT SUMMARY": [
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999FA05015",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2023-10-01",
"reported_date": "2024-10-01",
"acct_type": "Auto",
"current_status": "Pays account as agreed",
"balance": 6090,
"high_credit": "-",
"original_amount": 8078,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 12,
"past_due": "-",
"monthly_payment": 396,
"last_payment_date": "2024-10-01",
"phone_number": "-",
"term": 28,
"days_30": 2,
"days_60": 0,
"days_90": 0,
"times_late": 2,
"bureau": "EFX-Borr",
"kob": "AUTO FINANCING",
"trade_type": "Installment",
"notes": "auto",
"remaining": "TBD",
"loan_category": "Auto",
"payment_history": "22-11111111-",
"est_apr": "-"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999AU27069",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2019-10-01",
"reported_date": "2020-12-01",
"acct_type": "Auto",
"current_status": "Repossession",
"balance": 9765,
"high_credit": "-",
"original_amount": 11505,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": "-",
"past_due": 3360,
"monthly_payment": 345,
"last_payment_date": "2020-05-01",
"phone_number": "-",
"term": 33,
"days_30": 2,
"days_60": 1,
"days_90": 6,
"times_late": 9,
"bureau": "EFX-Borr",
"kob": "AUTOMOBILE DEALERS USED",
"trade_type": "Installment",
"notes": "involuntary repossession auto",
"remaining": "TBD",
"loan_category": "Auto",
"payment_history": "555554322---<br>--",
"est_apr": "-"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999AU27069",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2019-09-01",
"reported_date": "2020-11-01",
"acct_type": "Auto",
"current_status": "Repossession",
"balance": 9765,
"high_credit": "-",
"original_amount": 11505,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": "-",
"past_due": 3360,
"monthly_payment": 345,
"last_payment_date": "2020-04-01",
"phone_number": "-",
"term": 33,
"days_30": 2,
"days_60": 1,
"days_90": 6,
"times_late": 9,
"bureau": "EFX-Borr",
"kob": "AUTOMOBILE DEALERS USED",
"trade_type": "Installment",
"notes": "involuntary repossession auto",
"remaining": "TBD",
"loan_category": "Auto",
"payment_history": "555554322---<br>--",
"est_apr": "-"
}
],
"TRADELINES": [
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999BB44497",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "2018-12-01",
"reported_date": "2024-10-01",
"acct_type": "Credit Card",
"current_status": "Charge-off",
"balance": 3339,
"high_credit": "-",
"original_amount": "-",
"credit_limit": 500,
"charge_off": 1620,
"months_reviewed": 32,
"past_due": 3339,
"monthly_payment": 0,
"last_payment_date": "2020-05-01",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "ALL BANKS",
"trade_type": "Revolving",
"notes": "charged off account account closed by credit grantor",
"remaining": "TBD",
"loan_category": "Credit Card",
"payment_history": "Not Reported"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999FY00076",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "-",
"reported_date": "2024-10-01",
"acct_type": "Debt Buyer Account",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 165,
"high_credit": "-",
"original_amount": 165,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 12,
"past_due": 165,
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "FACTORING COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account",
"remaining": "TBD",
"loan_category": "Debt Buyer Account",
"payment_history": "Not Reported"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999FA05015",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2023-10-01",
"reported_date": "2024-10-01",
"acct_type": "Auto",
"current_status": "Pays account as agreed",
"balance": 6090,
"high_credit": "-",
"original_amount": 8078,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 12,
"past_due": "-",
"monthly_payment": 396,
"last_payment_date": "2024-10-01",
"phone_number": "-",
"term": 28,
"days_30": 2,
"days_60": 0,
"days_90": 0,
"times_late": 2,
"bureau": "EFX-Borr",
"kob": "AUTO FINANCING",
"trade_type": "Installment",
"notes": "auto",
"remaining": "TBD",
"loan_category": "Auto",
"payment_history": "22-11111111-"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999FY00076",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "-",
"reported_date": "2024-10-01",
"acct_type": "Debt Buyer Account",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 93,
"high_credit": "-",
"original_amount": 68,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 11,
"past_due": 93,
"monthly_payment": 0,
"last_payment_date": "2022-03-01",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "FACTORING COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account",
"remaining": "TBD",
"loan_category": "Debt Buyer Account",
"payment_history": "Not Reported"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999FY00076",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "-",
"reported_date": "2024-10-01",
"acct_type": "Debt Buyer Account",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 269,
"high_credit": "-",
"original_amount": 242,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 10,
"past_due": 269,
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "FACTORING COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account",
"remaining": "TBD",
"loan_category": "Debt Buyer Account",
"payment_history": "Not Reported"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999UT05422",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "2022-02-01",
"reported_date": "2024-09-01",
"acct_type": "Utility Company",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 382,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 5,
"past_due": 382,
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "TELEPHONE COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account account closed by credit grantor",
"remaining": "TBD",
"loan_category": "Utility Company",
"payment_history": "----9-------------------"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999BB44497",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "2022-08-01",
"reported_date": "2024-09-01",
"acct_type": "Deposit Related (overdrawn account)",
"current_status": "Charge-off",
"balance": 0,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": 1208,
"months_reviewed": 18,
"past_due": "-",
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "ALL BANKS",
"trade_type": "Open 30 Day",
"notes": "charged off account account transferred or sold",
"remaining": "TBD",
"loan_category": "Deposit Related (overdrawn account)",
"payment_history": "-99999999999999999------"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999UT05422",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "2022-01-01",
"reported_date": "2024-08-01",
"acct_type": "Utility Company",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 382,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 5,
"past_due": 382,
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "TELEPHONE COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account account closed by credit grantor",
"remaining": "TBD",
"loan_category": "Utility Company",
"payment_history": "----9-------------------"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999BB44497",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "2022-07-01",
"reported_date": "2024-08-01",
"acct_type": "Deposit Related (overdrawn account)",
"current_status": "Charge-off",
"balance": 0,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": 1208,
"months_reviewed": 18,
"past_due": "-",
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "ALL BANKS",
"trade_type": "Open 30 Day",
"notes": "charged off account account transferred or sold",
"remaining": "TBD",
"loan_category": "Deposit Related (overdrawn account)",
"payment_history": "-99999999999999999------"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999UT05422",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "-",
"reported_date": "2024-06-01",
"acct_type": "Utility Company",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 868,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 18,
"past_due": 868,
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "TELEPHONE COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account account closed by credit grantor",
"remaining": "TBD",
"loan_category": "Utility Company",
"payment_history": "Not Reported"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999UT05422",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "2021-02-01",
"open_date": "-",
"reported_date": "2024-06-01",
"acct_type": "Utility Company",
"current_status": "Collection account (Enhanced Trade Only)",
"balance": 240,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 22,
"past_due": 240,
"monthly_payment": 0,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "TELEPHONE COMPANIES",
"trade_type": "Open 30 Day",
"notes": "collection account account closed by credit grantor",
"remaining": "TBD",
"loan_category": "Utility Company",
"payment_history": "Not Reported"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999ZZ61527",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2022-07-01",
"reported_date": "2024-03-01",
"acct_type": "Returned Check",
"current_status": "At least 120 days or more than four payments past due",
"balance": 0,
"high_credit": "-",
"original_amount": 18,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 19,
"past_due": "-",
"monthly_payment": "-",
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "ALL OTHERS-BUSINES MACHINES",
"trade_type": "Open 30 Day",
"notes": "returned check",
"remaining": "TBD",
"loan_category": "Returned Check",
"payment_history": "----------------999-"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999ZZ61527",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2022-06-01",
"reported_date": "2024-02-01",
"acct_type": "Returned Check",
"current_status": "At least 120 days or more than four payments past due",
"balance": 0,
"high_credit": "-",
"original_amount": 18,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 19,
"past_due": "-",
"monthly_payment": "-",
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "ALL OTHERS-BUSINES MACHINES",
"trade_type": "Open 30 Day",
"notes": "returned check",
"remaining": "TBD",
"loan_category": "Returned Check",
"payment_history": "----------------999-"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999BB44497",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Closed",
"closed_date": "-",
"open_date": "2022-07-01",
"reported_date": "2023-11-01",
"acct_type": "Credit Card",
"current_status": "Charge-off",
"balance": 0,
"high_credit": "-",
"original_amount": "-",
"credit_limit": 0,
"charge_off": 22,
"months_reviewed": 16,
"past_due": "-",
"monthly_payment": 0,
"last_payment_date": "2022-08-01",
"phone_number": "-",
"term": "-",
"days_30": 1,
"days_60": 1,
"days_90": 3,
"times_late": 5,
"bureau": "EFX-Borr",
"kob": "ALL BANKS",
"trade_type": "Revolving",
"notes": "charged off account account transferred or sold",
"remaining": "TBD",
"loan_category": "Credit Card",
"payment_history": "---------5543211"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999AU27069",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2019-10-01",
"reported_date": "2020-12-01",
"acct_type": "Auto",
"current_status": "Repossession",
"balance": 9765,
"high_credit": "-",
"original_amount": 11505,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": "-",
"past_due": 3360,
"monthly_payment": 345,
"last_payment_date": "2020-05-01",
"phone_number": "-",
"term": 33,
"days_30": 2,
"days_60": 1,
"days_90": 6,
"times_late": 9,
"bureau": "EFX-Borr",
"kob": "AUTOMOBILE DEALERS USED",
"trade_type": "Installment",
"notes": "involuntary repossession auto",
"remaining": "TBD",
"loan_category": "Auto",
"payment_history": "555554322-----"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999AU27069",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2019-09-01",
"reported_date": "2020-11-01",
"acct_type": "Auto",
"current_status": "Repossession",
"balance": 9765,
"high_credit": "-",
"original_amount": 11505,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": "-",
"past_due": 3360,
"monthly_payment": 345,
"last_payment_date": "2020-04-01",
"phone_number": "-",
"term": 33,
"days_30": 2,
"days_60": 1,
"days_90": 6,
"times_late": 9,
"bureau": "EFX-Borr",
"kob": "AUTOMOBILE DEALERS USED",
"trade_type": "Installment",
"notes": "involuntary repossession auto",
"remaining": "TBD",
"loan_category": "Auto",
"payment_history": "555554322-----"
},
{
"creditor": "EQUIFAX TEST DATA",
"customer_number": "999BB44497",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "2018-12-01",
"reported_date": "2019-08-01",
"acct_type": "-",
"current_status": "Pays account as agreed",
"balance": "-",
"high_credit": "-",
"original_amount": 495,
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": 8,
"past_due": "-",
"monthly_payment": 15,
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "ALL BANKS",
"trade_type": "Revolving",
"notes": "credit card",
"remaining": "TBD",
"loan_category": "Unknown",
"payment_history": "Not Reported"
}
],
"COLLECTIONS": [
{
"creditor": "-",
"customer_number": "999YC00000",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "-",
"reported_date": "2024-09-17",
"acct_type": "Collection",
"current_status": "In Collection",
"balance": 1747,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": "-",
"past_due": "-",
"monthly_payment": "-",
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "OTHER",
"trade_type": "-",
"notes": "medical",
"remaining": "TBD",
"loan_category": "Collection",
"payment_history": "Not Reported"
},
{
"creditor": "-",
"customer_number": "999YC00000",
"account_number": "-",
"ind_joint": "Individual",
"open_closed": "Open",
"closed_date": "-",
"open_date": "-",
"reported_date": "2024-08-17",
"acct_type": "Collection",
"current_status": "In Collection",
"balance": 1747,
"high_credit": "-",
"original_amount": "-",
"credit_limit": "-",
"charge_off": "-",
"months_reviewed": "-",
"past_due": "-",
"monthly_payment": "-",
"last_payment_date": "-",
"phone_number": "-",
"term": "-",
"days_30": 0,
"days_60": 0,
"days_90": 0,
"times_late": 0,
"bureau": "EFX-Borr",
"kob": "OTHER",
"trade_type": "-",
"notes": "medical",
"remaining": "TBD",
"loan_category": "Collection",
"payment_history": "Not Reported"
}
],
"INQUIRIES (Last 24 Months)": [
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2024-10-28",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2024-10-02",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-09-02",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-08-26",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-08-24",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-08-21",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-07-26",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-07-24",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-07-21",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2024-06-28",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "VF",
"Date": "2024-06-04",
"Subscriber Code": "999VF00740"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ZC",
"Date": "2024-06-02",
"Subscriber Code": "999ZC02857"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ZC",
"Date": "2024-05-28",
"Subscriber Code": "999ZC02857"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "VF",
"Date": "2024-05-04",
"Subscriber Code": "999VF00740"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "AN",
"Date": "2024-04-01",
"Subscriber Code": "666AN00429"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "AN",
"Date": "2023-12-17",
"Subscriber Code": "666AN00429"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2023-11-17",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2023-10-06",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FZ",
"Date": "2023-09-15",
"Subscriber Code": "999FZ15263"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2023-09-06",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "AN",
"Date": "2023-08-15",
"Subscriber Code": "666AN00429"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FZ",
"Date": "2023-08-15",
"Subscriber Code": "999FZ15263"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FA",
"Date": "2023-07-25",
"Subscriber Code": "999FA05015"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "DC",
"Date": "2023-07-15",
"Subscriber Code": "999DC02700"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "AN",
"Date": "2023-07-10",
"Subscriber Code": "666AN00429"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2023-06-27",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FF",
"Date": "2023-06-27",
"Subscriber Code": "999FF07198"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UT",
"Date": "2023-06-25",
"Subscriber Code": "999UT05422"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "DC",
"Date": "2023-06-12",
"Subscriber Code": "999DC02700"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UZ",
"Date": "2023-06-10",
"Subscriber Code": "999UZ01326"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FC",
"Date": "2023-06-10",
"Subscriber Code": "999FC26319"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FF",
"Date": "2023-05-27",
"Subscriber Code": "999FF07198"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2023-05-27",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UT",
"Date": "2023-05-24",
"Subscriber Code": "999UT05422"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UT",
"Date": "2023-05-22",
"Subscriber Code": "999UT05422"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UT",
"Date": "2023-05-12",
"Subscriber Code": "999UT05422"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UZ",
"Date": "2023-05-10",
"Subscriber Code": "999UZ01326"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FC",
"Date": "2023-05-02",
"Subscriber Code": "999FC26319"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2023-04-24",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UT",
"Date": "2023-04-22",
"Subscriber Code": "999UT05422"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "UT",
"Date": "2023-04-14",
"Subscriber Code": "999UT05422"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "VF",
"Date": "2023-04-08",
"Subscriber Code": "999VF00740"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "FC",
"Date": "2023-04-02",
"Subscriber Code": "999FC26319"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "ON",
"Date": "2023-03-14",
"Subscriber Code": "999ON05720"
},
{
"Name": "EQUIFAX TEST DATA",
"Industry": "VF",
"Date": "2023-03-08",
"Subscriber Code": "999VF00740"
}
],
"ALERTS/MESSAGES": [
{
"Message Text": "UNABLE TO PERFORM SSN VALIDATION DUE TO INSUFFICIENT SSN INPUT",
"Message Type": "SSN ALERT",
"Date Reported": "-"
},
{
"Message Text": "INQUIRY SSN NOT PRESENT",
"Message Type": "SSN ALERT",
"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
errorstring
{
"status": "Bad Request - Invalid Parameters",
"error": "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
errorstring
{
"error": "Too Many Requests"
}
Internal Server Error
- application/json
- Schema
- Example (from schema)
Schema
messagestring
{
"message": "Agility Server Error"
}