Get a consumer's FICO8 credit score

get https://sandbox.bloom.dev/{version}/consumers/{consumer_id}/credit.bloom.score.fico8/{order_id}

Get a consumer's FICO8 credit score.

Sandbox Data

When using this endpoint in the Sandbox, you can request a specific set of data by registering and requesting data for a consumer with a specific Social Security number. In this case, the trigger for specific data is the 2nd digit of the Sandbox consumer's SSN. There are 5 deterministic responses, each corresponding to an SSN with 2nd digit: 0, 1, 2, 3 and 4. If the 2nd digit of the consumer's SSN is not in this set, the data returned will be random.

For example, you can register a Sandbox consumer with the SSN: 909-99-9999. Then, when requesting their credit.bloom.score.fico8, the following data will always be returned for that consumer:

{
  "data": {
    "type": "credit.bloom.score.fico8",
    "attributes": {
      "model": {
        "source": "equifax",
        "identifier": "02369",
        "descriptor": "FICO® Score 8 based on Equifax Data",
        "indicator": "G"
      },
      "reasons": [
        {
          "code": "01",
          "narrative": "Amount owed on accounts is too high"
        }
        
      ],
      "value": 555,
    }
  }
}

you could have registered the consumer with an SSN of 808-88-8888 or 001-23-4567. As long as the 2nd digit of their SSN is 0 (i.e. the SSN is of the form: X0X-XX-XXXX) you can be certain the above data will always be returned.

See the examples below for all the possible responses that correspond with the 2nd digit of a Sandbox consumer's SSN.

This endpoint will return upto 5 reason codes for the score that was returned.

Following are the possible reason codes that can be returned:

Reason Code	Description
00	No description
01	Amount owed on accounts is too high
02	Level of delinquency on accounts
03	Too few bank revolving accounts
04	Too many bank or national revolving accounts
05	Too many accounts with balances
06	Too many consumer finance company accounts
07	Account payment history is too new to rate
08	Too many inquiries last 12 months
09	Too many accounts recently opened
10	Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
11	Amount owed on revolving accounts is too high
12	Length of time revolving accounts have been established
13	Time since delinquency is too recent or unknown
14	Length of time accounts have been established
15	Lack of recent bank revolving information
16	Lack of recent revolving account information
17	No recent non-mortgage balance information
18	Number of accounts with delinquency
19	Too few accounts currently paid as agreed
20	Length of time since derogatory public record or collection is too short
21	Amount past due on accounts
23	Number of bank or national revolving accounts with balances
24	No recent revolving balances
25	length of time installment loans have been established
26	Number of revolving accounts
28	Number of established accounts
29	No recent bank/national revolving balances
30	Time since most recent account opening is too short
31	Too few accounts with recent payment information
32	Lack of recent installment loan information
33	Proportion of loan balances to loan amounts is too high
34	Amount owed on delinquent accounts
36	Length of time open installment loans have been established
38	Serious delinquency, and derogatory public record or collection filed
39	Serious delinquency
40	Derogatory public record or collection filed
53	Amount paid down on open mortgage loans is too low
55	Amount paid down on open installment loans is too low
58	Proportion of balances to loan amounts on mortgage accounts is too high
59	Lack of recent revolving HELOC information
62	Proportion of balances to credit limits on revolving HELOC accounts is too high
64	Proportion of revolving HELOC balances to total revolving balances is too high
65	Length of time bank/national revolving accounts have been established
67	Length of time open mortgage loans have been established
70	Amount owed on mortgage loans is too high
71	Too many recently opened installment accounts
77	Proportion of balances to loan amounts on revolving auto accounts is too high
78	Length of time reported mortgage accounts have been established
79	Lack of recent reported mortgage loan information
81	Frequency of delinquency
85	Too few active accounts
96	Too many mortgage loans with balances
98	Lack of recent auto finance loan information
99	Lack of recent consumer finance company account information

the indicator will always be "G"
the descriptor will always be "FICO Score 8 based on Equifax Data"
the identifier will always be "02369"