> For the complete documentation index, see [llms.txt](https://developers.bloomcredit.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bloomcredit.io/data-access/credit-reports/attributes.md). # Attributes ## Overview Attributes are calculated variables / characteristics based on the underlying credit report data that provide insight into a consumer's credit profile. There are two broad categories of attributes: #### Standard Standard attributes are calculated solely from the most recent data contained in the consumer's current report. Although they can be calculated by the users of credit data, leveraging attributes provides benefit by eliminating the computation time and cost required to derive the statistics. #### Trend Trend attributes are calculated using current and historical data - which is not contained in the current report - to indicate directional change. Since Credit Reporting Agencies are required by law to provide only the most current data on consumers, trend attributes cannot be calculated by users of credit data for prospective customers. ## Bloom Attributes Each of the major credit bureaus maintains an extensive catalog of attributes available for purchase. Bloom Credit offers a curated and normalized catalog of attributes to clients that are available irrespective of the underlying source of the credit report. These attributes are divided into the following broad categories: {% hint style="info" %} **Examples of attributes** Almost all of the categories will have some common attributes such as total x tradelines, open x tradelines, and more with x being the category. The ones that don't follow this will have some examples below. {% endhint %} * Tradelines * Revolving * Mortgage * Auto * Unsecured / Installment * Student Loans * Delinquencies * Attributes you can see under this category include showing tradelines that are delinquent in a certain time period like the past 30 days. * Specialized * Attributes you can see under this category all have special fields they describe such as inquiries, bankruptcies, foreclosures, and more. * Worst Rating * Attributes you can see under this category show the worst rating on tradelines in other categories (revolving, mortgage, auto, etc.) --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://developers.bloomcredit.io/data-access/credit-reports/attributes.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.