---
updatedAt: 2025-09-09T14:16:09.000Z
agentTools:
  projectIndex: https://developers.bloomcredit.io/llms.txt
---

# Commercial Account Reporting

For businesses with credit products, reported to business bureaus.

*For businesses that hold credit products directly (e.g., commercial credit card, installment loan).*

* **Primary Consumer:** Business (Recorded in the system as a consumer profile with EIN, legal name, and address).
* **Secondary Consumer (Optional):**  Consumer (e.g., Comaker or Guarantor).
* **Account Type:** Credit Card or Installment (not a Business Account Type).

**Key Notes:**

* To report a business accurately to a business bureau, the **business must be created as a consumer in our API architecture.**
* Business fields on the account are **left blank.**
* Statements and payment activity are reported in the same way as with a traditional credit card.

***

1. **Create Consumer → Business**
   1. **Name:** Business legal name *(fill last name field first, then fill first name field)*.
   2. **DOB:** Null.
   3. **SSN:** EIN or zero-filled.
   4. **Address:** Business address.
   ```curl
   --data '{
      "data": {
          "type": "consumers",
          "attributes": {
              "ssn": "234567890",
              "date_of_birth": "",
              "name": {
                  "first_name": "Business",
                  "middle_name": null,
                  "last_name": "Fake",
                  "generation_code": null
              },
              "addresses": [
                  {
                      "line1": "123 5th Street",
                      "line2": null,
                      "city": "Kansas City",
                      "state_code": "KS",
                      "zipcode": "66202",
                      "primary": true
                  }
              ]
          }
      }
      }'
   ```
2. **Create Account**
   1. Business fields on the account are **left blank.**
   2. The consumer that was created for the **business will be the primary consumer.**
   3. ECOA code in the **primary designation will be Business Commercial.**
   4. A secondary consumer can be added as the account type isn’t a “business” account.

```curl
--data '{
   "data": {
       "type": "AccountCreate",
       "attributes": {
           "credit_product_id": "{{portfolio_id}}",
           "primary_consumer_id": "{{consumer_id}}",
           "external_account_identifier": "BIZ23290843113",
           "primary_designation": "BUSINESS_COMMERCIAL",
           "account_opened_date": "2025-07-23",
           "terms_duration": "REV",
           "reported_consumer_account_number": "BIZ233647",
 optional: "secondary_consumers":[
{
               "consumer_id": "{{consumer_id}}",
               "designation": "JOINT_CONTRACTUAL_LIABILITY"
}
           ]
       }
   }
}'

```

3. **Create Statement**

   1. Statements should be created as usual.

   ```curl
   --data '{
      "data": {
          "type": "StatementCreate",
          "attributes": {
              "account_id": "{{account_id}}",
              "statement_date": "2025-08-01",
              "current_balance": 3000.00,
              "days_delinquent": 0,
              "credit_limit": 10000.0,
              "scheduled_monthly_payment": 500,
              "actual_monthly_payment": 1000.00,
              "amount_past_due": 0.00,
              "statement_identifier": "ST123456",
              "last_payment_date": "2025-07-25"
          }
      }
   }'

   ```

   <br />