Credit Attributes

The credit attributes represent a set of properties derived from the credit report. We have defined 9 groups of them, detailed below:

List of Attributes

Tradeline: get_tradeline_attributes_by_order_id()

query ($id: String!) {
  get_tradeline_attributes_by_order_id(args: {id: $id}){
    total_tradelines
    # more attributes ...
  }
}

• total_tradelines
  • Number of Trades
• open_tradelines
  • Number of Open Trades
• tradeline_open_last_3_months
  • Number of Trades Opened in 3 Months
• tradeline_open_last_6_months
  • Number of Trades Opened in 6 Months
• tradeline_open_last_9_months
  • Number of Trades Opened in 12 Months
• tradeline_open_last_12_months
  • Number of Trades Opened in 24 Months
• months_oldest_tradeline_opened
  • Age of the Oldest Trade
• months_recent_tradeline_opened
  • Age of the Newest Trade
• total_payment_obligation_open_tradelines
  • Monthly Current Debt Payment
• months_recent_delinquency
  • Months Since the Most Recent Delinquency on Trade

Revolving: get_revolving_attributes_by_order_id

query ($id: String!) {
  get_revolving_attributes_by_order_id(args: {id: $id}){
    total_revolving_tradelines
    # more attributes ...
  }
}

• total_revolving_tradelines
  • Number of Revolving Trades
• open_revolving_tradelines
  • Number of Open Revolving Trades
• revolving_tradelines_opened_last_6_months
  • Number of Revolving Trades Opened in 6 Months
• months_oldest_revolving_tradeline_opened
  • Age of the Oldest Revolving Trade
• months_recent_revolving_tradeline_opened
  • Age of the Newest Open Revolving Trade
• revolving_rate
  • Overall Credit Utilization on Open Revolving Trades Reported Ever
• months_recent_tradeline_revolving_delinquency
  • Months Since the Most Recent Delinquency on Revolving Trade
• total_outstanding_balance_open_revolving_tradelines
  • Total Balance on Revolving Trades Reported in 6 Months
• average_revolving_open_ended_tradeline_balance
  • Average Balance on Open Revolving Trades Reported Ever
• active_revolving_open_ended_tradelines_balance_opened_last_12_m
  • Number of Revolving Trades Opened in 12 Months
• active_revolving_open_ended_tradelines_balance_opened_last_24_m
  • Number of Revolving Trades Opened in 24 Months
• maximum_bank_card_utilization
  • Maximum Utilization of Bankcard Trades Reported Ever

Mortgage: get_mortgage_attributes_by_order_id()

query ($id: String!) {
  get_mortgage_attributes_by_order_id(args: {id: $id}){
    total_mortgage_tradelines
    # more attributes ...
  }
}

• total_mortgage_tradelines
  • Number of Mortgage Trades
• open_mortgage_tradelines
  • Number of Open Mortgage
• mortgage_tradelines_opened_last_6_months
  • Number of Mortgage Trades Opened in 6 Months
• months_oldest_mortgage_tradeline_opened
  • Age of the Oldest Mortgage Trade
• months_recent_mortgage_tradeline_opened
  • Age of the Newest Mortgage Trade
• months_recent_mortgage_tradeline_delinquency
  • Months Since the Most Recent Delinquency on First Mortgage Trade
• outstanding_balance_open_mortgage_tradeline
  • Total Balance on Mortgage Trades Reported in 6 Months
• total_monthly_payment_obligation_for_open_mortgage_tradelines
  • First Mortgage Scheduled Monthly Payment
• active_mortgage_tradelines_balance
  • Number of Open Joint Account Mortgage Trades Currently Satisfactory with Balance > $0 Reported in 6 Months

Auto: get_auto_attributes_by_order_id()

query ($id: String!) {
  get_auto_attributes_by_order_id(args: {id: $id}){
    total_auto_tradelines
    # more attributes ...
  }
}

• total_auto_tradelines
  • Number of Auto Trades
• open_autotradelines
  • Number of Open Auto Trades
• auto_tradelines_opened_last_6_months
  • Number of Auto Trades Opened in 6 months
• months_oldest_auto_tradeline_opened
  • Age of the Oldest Auto Trade
• months_recent_auto_tradeline_opened
  • Age of the Newest Auto Loan Trade
• months_recent_auto_tradeline_delinquency
  • Months Since the Most Recent Delinquency on Auto Trade
• outstanding_balance_open_auto_tradeline
  • Total Balance on Open Auto Loan Trades Reported in 6 Months
• total_monthly_payment_obligation_for_open_auto_tradelines
  • Total Actual Payment Amount on Auto Loan Trades Reported in 6 Months

Unsecured/Installment: get_unsecured_installment_attributes_by_order_id()

query ($id: String!) {
  get_unsecured_installment_attributes_by_order_id(args: {id: $id}){
    total_unsecured_installment_tradelines
    # more attributes ...
  }
}

• total_unsecured_installment_tradelines
  • Number of Unsecured Installment Trades Excluding Student Loan Trades
• active_installment_tradelines
  • Number of Installment Trades
• active_installment_tradelines_opened_last_3_months
  • Number of Open Installment Trades with Balance > $0 Reported in 3 Months
• open_unsecured_installment_tradelines
  • Number of Open Unsecured Installment Trades Excluding Student Loan Trades
• unsecured_installment_tradelines_opened_6_months
  • Number of Unsecured Installment Trades Excluding Student Loan Trades Opened in 12 Months
• months_oldest_unsecured_installment_tradelines_opened
  • Age of the Oldest Unsecured Installment Trade Excluding Student Loan Trade
• months_recent_unsecured_installment_tradelines_opened
  • Age of the Newest Unsecured Installment Trade Excluding Student Loan Trade
• months_recent_unsecured_installment_tradeline_delinquency
  • Months Since the Most Recent Delinquency on Unsecured Trade Excluding Student Loan Trade
• outstanding_balance_open_unsecured_installment_tradelines
  • Total Balance on Unsecured Installment Trades Excluding Student Loan Trades Reported Ever
• total_monthly_payment_obligation_for_open_unsecured_installment_tradelines
  • Other Installment Scheduled Monthly Payment

Student Loans: get_student_loans_attributes_by_order_id()

query ($id: String!) {
  get_student_loans_attributes_by_order_id(args: {id: $id}){
    total_student_loan_tradelines
    # more attributes ...
  }
}

• total_student_loan_tradelines
  • Number of Student Loan Trades
• open_student_loan_tradeLines
  • Number of Open Student Loan Trades
• student_loan_tradelines_opened_last_6_months
  • Number of Deferred Student Loan Trades Opened in 6 Months
• months_oldest_student_loan_tradelines_opened
  • Age of the Oldest Student Loan Trade
• months_recent_student_loan_tradelines_opened
  • Age of the Newest Student Loan Trade
• months_recent_student_loan_tradelines_delinquency
  • Months Since the Most Recent Delinquency on Student Loan Trade
• outstanding_balance_open_student_loan_tradelines
  • Total Balance on Open Student Loan Trades Reported in 3 Months
• student_loans_deferment
  • Number of Deferred Student Loan Trades
• student_loan_monthly_payment
  • Average Actual Payment Amount on Student Loan Trades Reported in 9 Months

Delinquency: get_delinquency_attributes_by_order_id()

query ($id: String!) {
  get_delinquency_attributes_by_order_id(args: {id: $id}){
    tradelines_currently_DQ30
    # more attributes ...
  }
}

• tradelines_currently_DQ30
  • Number of Trades Currently 30+ DPD Delinquency or Major Derogatory Reported Ever
• tradelines_currently_DQ60
  • Number of Trades Currently 60+ DPD Delinquency or Major Derogatory Reported in 6 Months

Specialized: get_specialized_attributes_by_order_id()

query ($id: String!) {
  get_specialized_attributes_by_order_id(args: {id: $id}){
    inquiries_on_file
    # more attributes ...
  }
}

• inquiries_on_file
  • Number of Inquiries in 24 Months without Dedupe
• inquiries_last_6_months
  • Number of Inquiries in 6 Months without Dedupe
• non_mortgage_non_inquiries_last_6_months
  • Number of Inquiries Excluding Auto and Mortgage in 6 Months without Dedupe
• months_recent_bankruptcy
  • Months Since the Most Recent Bankruptcy
• months_recent_public_record
  • Months Since the Most Recent Public Record Bankruptcy Filed
• months_recent_third_party_collection
  • Months Since the Most Recent Collection 3rd Party Non-Medical
• percent_satisfactory_trades_last_24_months
  • Percent of Trades Currently Satisfactory to Total Trades Reported in 6 Months
• percent_opened_trades_last_24_Months
  • Percent of Trades Excluding Student Loan Trades Opened in 12 Months to Total Trades Excluding Student Loan Trades
• non_medical_collections
  • Number of Unpaid Collection 3rd Party Non-Medical in 12 Months
• percent_high_revolving_trade_utilization
  • Maximum Utilization of Revolving Trades Reported in 6 Months
• mortgage_trade_highest_high_credit
  • Maximum Credit Limit/High Credit on Mortgage Trades
• bankruptcies
  • Number of Bankruptcy Trades Ever
• foreclosures
  • Number of Foreclosure Trades Ever
• tradeline_DTI
  • Debt to Income Ratio w/Scheduled Payment (R&D Lab)
• tradeline_NDI
  • Monthly Disposable Income w/Scheduled Payment (R&D Lab)

Worst: get_worst_attributes_by_order_id()

query ($id: String!) {
  get_worst_attributes_by_order_id(args: {id: $id}){
    worst_rating_all_tradelines_last_12_Months
    # more attributes ...
  }
}

• worst_rating_all_tradelines_last_12_Months
  • Worst Current Status on Trades Reported in 12 Months
• worst_rating_all_revolving_tradelines_last_12_months
  • Worst Current Status on Revolving Trades Reported in 12 Months
• worst_rating_all_mortgage_tradelines_last_12_months
  • Worst Current Status on Mortgage Trades Reported in 12 Months
• worst_rating_all_auto_tradelines_last_12_months
  • Worst Current Status on Auto Loan Trades Excluding Affected by Natural Disaster Reported in 24 Months
• worst_rating_all_unsecured_tradelines_last_12_months
  • Worst Current Status on Installment Trades Reported in 12 Months
• worst_rating_all_student_loan_tradelines_last_12_months
  • Worst Current Status on Student Loan Trades Reported Ever