# Bloom Credit Documentation > Bloom Credit's API for accessing credit data and reporting payment history to credit bureaus. ## Guides - [Introduction to the API](https://developers.bloomcredit.io/docs/getting-started-1.md): This page will help you get started with Bloom Credit. You'll be up and running in a jiffy! - [Environments Overview](https://developers.bloomcredit.io/docs/environments-1.md) - [Create Consumers](https://developers.bloomcredit.io/docs/create-your-first-consumer.md) - [Furnish Accounts](https://developers.bloomcredit.io/docs/furnishing-an-account.md): This page will help you get started with Bloom's Furnishment API. - [Order Credit Data](https://developers.bloomcredit.io/docs/ordering-credit-data.md): Retrieving Credit Data for Consumers from Bloom's Data Access API - [From Onboarding to your first Credit Report](https://developers.bloomcredit.io/docs/onboarding-to-first-credit-report.md): Getting started with the Bloom API, from Authentication to Ordering and fetching a Credit Report. - [Migration Guide](https://developers.bloomcredit.io/docs/migration-guide.md) - [Organizations](https://developers.bloomcredit.io/docs/organizations.md) - [Portfolios](https://developers.bloomcredit.io/docs/portfolios.md) - [Consumers](https://developers.bloomcredit.io/docs/consumers-1.md) - [Credit Data Concepts](https://developers.bloomcredit.io/docs/credit-reports.md) - [Attributes](https://developers.bloomcredit.io/docs/attributes.md) - [Indicators](https://developers.bloomcredit.io/docs/indicators.md) - [Model Scores](https://developers.bloomcredit.io/docs/model-scores.md) - [Credit Data Orders](https://developers.bloomcredit.io/docs/status-codes.md): Order Credit Data for Consumers using Bloom's Data Access API - [Querying Reports](https://developers.bloomcredit.io/docs/querying-reports.md) - [Batch Ordering](https://developers.bloomcredit.io/docs/batch-ordering.md) - [Business Reporting](https://developers.bloomcredit.io/docs/business-accounts.md): Reporting business accounts to both consumer and business bureaus. - [Consumer Business Account Reporting](https://developers.bloomcredit.io/docs/consumer-business-account-reporting.md): For consumers with business credit products, reported to consumer bureaus. - [Commercial Account Reporting](https://developers.bloomcredit.io/docs/commercial-account-reporting.md): For businesses with credit products, reported to business bureaus. - [Statement Data](https://developers.bloomcredit.io/docs/statements-1.md) - [Consumer Events](https://developers.bloomcredit.io/docs/consumer-events.md) - [Error Codes](https://developers.bloomcredit.io/docs/error-codes.md) - [What is Enablement Services?](https://developers.bloomcredit.io/docs/what-is-enablement-services.md) - [Getting Started](https://developers.bloomcredit.io/docs/enablement-services-getting-started.md) - [Enablement Services Authentication](https://developers.bloomcredit.io/docs/enablement-services-authentication.md) - [How to Attest Different Tradeline Categories](https://developers.bloomcredit.io/docs/attesting-to-tradelines-by-category.md) - [Importing Existing Consumers into Enablement Services](https://developers.bloomcredit.io/docs/importing-existing-consumers-into-enablement-services.md) - [Plaid Processor Tokens](https://developers.bloomcredit.io/docs/plaid-processor-tokens.md) - [GraphQL API Reference](https://developers.bloomcredit.io/docs/graphql-api.md) - [Enablement Webhooks](https://developers.bloomcredit.io/docs/enablement-webhooks.md) - [Migrating to the Bloom Aggregator ](https://developers.bloomcredit.io/docs/migrating-to-the-bloom-aggregator-enablement-services.md): For faster initial processing times, try the Bloom Aggregator. - [Delete Tradelines](https://developers.bloomcredit.io/docs/delete-tradelines.md) - [Reopen a Closed User](https://developers.bloomcredit.io/docs/reopen-a-closed-user.md): Reopen a closed user with Bloom's Enablement Services. - [Reopen a Closed Tradeline](https://developers.bloomcredit.io/docs/reopen-a-closed-tradeline.md): Reopen a tradeline that has been closed in Bloom's Enablement Services - [Bring Your Own Token](https://developers.bloomcredit.io/docs/bring-your-own-token.md): Enable easier enrollment for users by automatically linking their bank accounts. ## API Reference - [API Authentication](https://developers.bloomcredit.io/reference/authentication.md) - [Get Consumers](https://developers.bloomcredit.io/reference/r0vul3yyl2nvcmuvy29uc3vtzxjz.md) - [Creates a consumer](https://developers.bloomcredit.io/reference/createconsumerv2-1.md): Create a Consumer record to be used in either Data Access of Furnishment APIs. Consumer will be stored for further uses. - [Deletes Consumer by ConsumerID](https://developers.bloomcredit.io/reference/deleteconsumerv2-1.md) - [Retrieve an existing consumer using the generated identifier](https://developers.bloomcredit.io/reference/getconsumerv2-1.md) - [Updates Consumer by ConsumerID](https://developers.bloomcredit.io/reference/updateconsumerv2-1.md): Changes the Consumer information already stored - [Returns an organization](https://developers.bloomcredit.io/reference/coreget-organization-1.md): Fetch an organization and its portfolios by organization ID - [Returns an organization's portfolio](https://developers.bloomcredit.io/reference/r0vul3yyl2nvcmuvb3jnyw5pemf0aw9ul3bvcnrmb2xpby86cg9ydgzvbglvx2lk.md) - [Get Accounts Paginated](https://developers.bloomcredit.io/reference/get_accounts_paginated_api_v1_accounts__get-1.md) - [Create Account](https://developers.bloomcredit.io/reference/create_account_api_v1_accounts__post-1.md) - [Get Account](https://developers.bloomcredit.io/reference/get_account_api_v1_accounts__account_id__get-1.md) - [Update Account](https://developers.bloomcredit.io/reference/update_account_api_v1_accounts__account_id__patch-1.md) - [Create Account Event](https://developers.bloomcredit.io/reference/create_account_event_api_v1_accounts__account_id__events__post-1.md): This is the single endpoint that will capture various account events. All events are optional, but at least one event must be provided. Within each event there are required attributes. Supported events: - `add_secondary_consumer`: Add a secondary consumer to an account. - `remove_secondary_consumer`: Remove a secondary consumer from an account. - `foreclosure_started`: Report a foreclosure started event. - `foreclosure_completed`: Report a foreclosure completed event. A `foreclosure_started` event must already exist for an account before a `foreclosure_completed` event can be created. - `voluntary_surrender`: Report a voluntary surrendered event. - `collateral_depreciation`: Report a collateral depreciation event. Represents a credit line is reduced or suspended due to collateral depreciation. To be used for Home Equity or other secured line of credit accounts - `repossession`: Report a repossession event. - `loan_reinstatement`: Report a loan reinstatement event. A collateral event (voluntary surrendered or repossession) must already exist to use this event. - `loan_redemption`: Report a loan redemption event. A collateral event (voluntary surrendered or repossession) must already exist to use this event. - `credit_line_suspended`: Report an account whose credit line has been suspended. - `close`: Report close event. - `charge_off`: Report charge off event. Either the Unpaid balance is reported as a loss, or the account paid in full, was a charge-off. In order to create an charge-off event with unpaid balance reported as a loss, the account needs to have at least 30 days delinquent in the previous statement. - `natural_disaster_start`: Report an account affected by a natural disaster. - `natural_disaster_end`: Report a natural disaster end event. There must be an existing natural disaster start event for an account before calling this event. - `transfer`: Report a sell or buy transfer type to an account. - `remove_transfer`: Remove an existing transfer of an account. - `dispute_started`: Report a dispute started event. - `dispute_completed`: Report a dispute completed event. - `delete`: Create a delete account event. This event will soft delete the account. - `collections`: Report when an account has been assigned to internal or external collections. - [Create Consumer Event](https://developers.bloomcredit.io/reference/create_consumer_event_api_v1_consumers__consumer_id__events__post-1.md): This endpoint is used to create various consumer events. All events are optional, but one, and only one, event must be provided. Within each event there are required attributes. Supported events: - `bankruptcy_filed`: Create a bankruptcy filed event. Starts the bankruptcy process. - `bankruptcy_reaffirmed`: Create a new consumer bankruptcy reaffirmed event. It is an agreement that accounts in question will be paid in full or partially. - `bankruptcy_removal`: Bankruptcy voluntarily dismissed by consumer. - `bankruptcy_reaffirm_rescinded`: Bankruptcy has been rescinded by court ruling. - `bankruptcy_discharged`: Bankruptcy has been discharged and debts have been forgiven. Successfully completes the bankruptcy process. WARNING: Any bankruptcy event for a consumer will remove all authorized users from the consumer's accounts. If the bankruptcy is reversed, the authorized users will need to be added back to the accounts. - [Get Statements](https://developers.bloomcredit.io/reference/get_statements_api_v1_statements__get-1.md): Retrieve a collection of statements by organization. - [Create Statement](https://developers.bloomcredit.io/reference/create_statement_api_v1_statements__post-1.md): Create a new statement. - [Get Statements By Credit Product](https://developers.bloomcredit.io/reference/get_statements_by_credit_product_api_v1_statements_credit_product__credit_product_id__get-1.md): Retrieve a collection of statements by organization and credit product. - [Get Statement](https://developers.bloomcredit.io/reference/get_statement_api_v1_statements__statement_id__get-1.md): Retrieve a statement by ID. - [Update Statement](https://developers.bloomcredit.io/reference/update_statement_api_v1_statements__statement_id__patch-1.md) - [Get full credit report](https://developers.bloomcredit.io/reference/data-accessget-order-full-report.md): Retrieves the full (processed/normalized) credit report for a specific order - [Get raw credit report](https://developers.bloomcredit.io/reference/data-accessget-order-raw-report.md): Retrieves the raw (original bureau format) credit report for a specific order - [Returns the orders created](https://developers.bloomcredit.io/reference/data-accessget-orders-1.md) - [Build a new order for ingestion](https://developers.bloomcredit.io/reference/data-accessnew-order-1.md) - [Find and return order metadata](https://developers.bloomcredit.io/reference/data-accessget-order-1.md) - [Find and return subscriptions](https://developers.bloomcredit.io/reference/data-accessget-subscriptions.md) - [Build a new subscription](https://developers.bloomcredit.io/reference/data-accessnew-subscription-1.md) - [Find and return subscription metadata](https://developers.bloomcredit.io/reference/data-accessget-subscription-1.md) - [Get Subscription Consumers](https://developers.bloomcredit.io/reference/data-accessget-subscription-consumers-1.md) - [Patch Subscription Consumers](https://developers.bloomcredit.io/reference/data-accesspatch-subscription-consumers-1.md) - [GraphQL API](https://developers.bloomcredit.io/reference/data-accesspost-graphql.md): Will fetch credit data stored on Bloom's servers via the provided GQL query. Queries that read credit_data_order_by_pk and attribute fields together reference ORDER_ID (uuid!) and order_id (String!) in the query body. Declare each variable you reference, or declare only one — dagql injects the missing declaration and coalesces variable values when only ORDER_ID or order_id is supplied (same UUID). - [Alerts](https://developers.bloomcredit.io/reference/alerts.md) - [Credit Attributes](https://developers.bloomcredit.io/reference/attributes-1.md): `credit_attributes` - `queries` - [Credit Data Orders](https://developers.bloomcredit.io/reference/credit-data-order-1.md): `credit_data_orders` - `object` - [Indicators: MLA Status](https://developers.bloomcredit.io/reference/mla-status.md): `object` - [Indicators: OFAC Statuses](https://developers.bloomcredit.io/reference/ofac-status.md): `ofac_statuses` - `object` - [Models: Reasons](https://developers.bloomcredit.io/reference/reasons.md): `score_reasons` - `object` - [Models: Scores](https://developers.bloomcredit.io/reference/score.md): `scores` - `object` - [Tradelines](https://developers.bloomcredit.io/reference/tradelines.md): `tradelines` - `object` - [Narrative Descriptions (Reject)](https://developers.bloomcredit.io/reference/narrative-descriptions-reject.md) - [Create Account Batch](https://developers.bloomcredit.io/reference/create_account_batch_api_v1_accounts_batch_post.md): Create accounts in a batch. Only supports consumer v2. - [Create Statements Batch](https://developers.bloomcredit.io/reference/create_statements_batch_api_v1_statements_batch_post.md): Create statements in a batch. - [Get Statements By Portfolio](https://developers.bloomcredit.io/reference/get_statements_by_portfolio_api_v1_statements_credit_product__portfolio_id__get.md): Retrieve a collection of statements by organization and portfolio. - [/v1/cpds/graphql](https://developers.bloomcredit.io/reference/ue9tvc92ms9jcgrzl2dyyxbocww.md) - [/v1/cpds/graphql/enroll](https://developers.bloomcredit.io/reference/ue9tvc92ms9jcgrzl2dyyxbocwwvzw5yb2xs.md) - [/v1/cpds/graphql/relay](https://developers.bloomcredit.io/reference/ue9tvc92ms9jcgrzl2dyyxbocwwvcmvsyxk.md) - [Get organization configuration by slug](https://developers.bloomcredit.io/reference/getorganizationbyslug.md) - [/v2/furnishment/accounts/{account_id}/charge-off](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9jagfyz2utb2zm.md) - [/v2/furnishment/accounts/{account_id}/close](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9jbg9zzq.md) - [/v2/furnishment/accounts/{account_id}/collateral-depreciation](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9jb2xsyxrlcmfslwrlchjly2lhdglvbg.md) - [/v2/furnishment/accounts/{account_id}/collateral-released](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9jb2xsyxrlcmfslxjlbgvhc2vk.md) - [/v2/furnishment/accounts/{account_id}/collections](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9jb2xszwn0aw9ucw.md) - [/v2/furnishment/accounts/{account_id}/deed-received-mortgage](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9kzwvklxjly2vpdmvklw1vcnrnywdl.md) - [/v2/furnishment/accounts/{account_id}/delete](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9kzwxldgu.md) - [/v2/furnishment/accounts/{account_id}/first-payment-default](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9maxjzdc1wyxltzw50lwrlzmf1bhq.md) - [/v2/furnishment/accounts/{account_id}/forbearance](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9mb3jizwfyyw5jzq.md) - [/v2/furnishment/accounts/{account_id}/gov-claim-filed](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9nb3yty2xhaw0tzmlszwq.md) - [/v2/furnishment/accounts/{account_id}/repossession](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc9yzxbvc3nlc3npb24.md) - [/v2/furnishment/accounts/{account_id}/voluntary-surrender](https://developers.bloomcredit.io/reference/ue9tvc92mi9mdxjuaxnobwvudc9hy2nvdw50cy86ywnjb3vudf9pzc92b2x1bnrhcnktc3vycmvuzgvy.md) - [Send an OTP to a user](https://developers.bloomcredit.io/reference/sendotp.md) - [Verify an OTP and login the user](https://developers.bloomcredit.io/reference/verifyotp.md) - [Submit for consumer prefill data](https://developers.bloomcredit.io/reference/getconsumerprefill.md) - [Submit an OTP for consumer prefill](https://developers.bloomcredit.io/reference/verifyconsumerprefillotp.md) - [Submit user data for onboarding](https://developers.bloomcredit.io/reference/submituseronboarding.md) - [Get profile data for the authenticated user](https://developers.bloomcredit.io/reference/getme.md) - [Authenticate a user for enablement services](https://developers.bloomcredit.io/reference/authenticateuser.md) - [Create a one-time embed session for an external user](https://developers.bloomcredit.io/reference/createpartnerembedsession.md) - [Consume embed session and establish browser session](https://developers.bloomcredit.io/reference/consumepartnerembedsession.md) - [Create invite tokens in batch for BYOT flow](https://developers.bloomcredit.io/reference/createinvitetokensbatch.md): Creates multiple invite tokens for the Bring Your Own Token (BYOT) flow. Each token associates an email with a processor token. Maximum 100 tokens per request. - [Append processor tokens to an existing invite](https://developers.bloomcredit.io/reference/appendprocessortokens.md): Adds processor tokens to an existing unused invite token for the given email. The invite token must exist and not be used or expired. Maximum 25 tokens per email. ## Recipes - [Query Credit Data using R](https://developers.bloomcredit.io/recipes/query-credit-data-using-r.md) ## Pages - [‎ ‎ ‎ Enablement Services GraphQL API Reference](https://developers.bloomcredit.io/page/enablement_gql_ref.md) ## Changelog - [Release Notes | April 1, 2026](https://developers.bloomcredit.io/changelog/release-notes-april-1-2026.md) - [Release Notes | Mar 4, 2026](https://developers.bloomcredit.io/changelog/release-notes-mar-4-2026.md) - [Release Notes | Nov 19, 2025](https://developers.bloomcredit.io/changelog/release-notes-nov-19-2025.md) - [Release Notes | Oct 29, 2025](https://developers.bloomcredit.io/changelog/release-notes-oct-29-2025.md) - [Release Notes | Oct 8, 2025](https://developers.bloomcredit.io/changelog/release-notes-oct-8-2025.md) - [Release Notes | Sept 16, 2025](https://developers.bloomcredit.io/changelog/release-notes-sept-16-2025.md) - [Release Notes | May 27, 2025](https://developers.bloomcredit.io/changelog/release-notes-may-27-2025.md) - [Release Notes | April 15th, 2025](https://developers.bloomcredit.io/changelog/relese-notes-april-15th-2025.md) - [Release Notes | April 1st, 2025](https://developers.bloomcredit.io/changelog/release-notes-april-1st-2025.md) - [Release Notes | February 4, 2025](https://developers.bloomcredit.io/changelog/release-notes-february-4-2025.md)