get https://sandbox.bloom.dev/{version}/consumers//credit.bloom.summary/
Get a summary of a consumer's credit report.
| Attribute | Description |
|---|---|
openAccounts.count | The number of open accounts on the consumer's credit report. |
closedAccounts.count | The number of closed accounts on the consumer's credit report. |
accounts.count | The total number of accounts on the consumer's credit report, not including collection accounts. |
delinquentAccounts.count | The number of delinquent accounts on the consumer's credit report. |
derogatorytAccounts.count | The number of derogatory accounts on the consumer's credit report. |
balances.usd | The total balance across all accounts on the consumer's credit report. |
totalMonthlyPayments.usd | The total monthly payments due across all accounts on the consumer's credit report. |
inquiries.count | The number of inquiries on the consumer's credit report. |
publicRecords.count | The number of public records on the consumer's credit report. |
availableCredit.usd | The amount of credit currently available to the consumer. This is equal to the consumer's total credit limit - the consumer's total open balance. |
utilization.percent | The perecentage of the consumer's total credit limit which is currently spent. |
oldestAccount.date | The opening date of the oldest account on the consumer's credit report. |
creditAge.years | The number of years since the opening date of the oldest account on the consumer's credit report. This number is rounded DOWN (i.e. if the oldest account was opened 12 years and 3 months ago, this value would be 12). |
onTimePayment.percent | The percentage of payments in the last 24 months, across all of the consumer's accounts, which were made on-time. |
latePayment.percent | The percentage of payments in the last 24 months, across all of the consumer's accounts, which were made late. |
creditLimit.usd | The total credit limit of all open, revolving accounts on the consumer's credit report. |