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GET
Credit Score Factors

Authorizations

Authorization
string
header
required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Headers

Accept-Encoding
string

We can compress a response with gzip.

Example:

"gzip deflate"

API-Version
string

API API Version. See Versioning page for more details.

Example:

"2024-07-01"

Path Parameters

id
integer
required

An userId.

Example:

1

Response

Returns a user's credit score and details of the factors behind it

id
integer
required

Credit score ID

Example:

1

date
string
required

Current credit score date. Last updated from vendor.

Example:

"2024-07-11"

score
integer
required

User's VantageScore 3.0. From

Required range: 300 <= x <= 850
Example:

815

credit_mix
object
required
new_credit
object
required
last_name
string

User's last name

Example:

"Smith"

increase
integer

User's credit score increase after last update

Required range: -850 <= x <= 850
Example:

10

payment_history
object
credit_utilization
object
derogatory_marks
object
credit_age
object