queries
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()
get_tradeline_attributes_by_order_id()
query ($id: String!) {
get_tradeline_attributes_by_order_id(args: {id: $id}){
total_tradelines
# more attributes ...
}
}
total_tradelines
- Number of Trades
open_tradelines
- Number of Open Trades
tradeline_open_last_3_months
- Number of Trades Opened in 3 Months
tradeline_open_last_6_months
- Number of Trades Opened in 6 Months
tradeline_open_last_9_months
- Number of Trades Opened in 12 Months
tradeline_open_last_12_months
- Number of Trades Opened in 24 Months
months_oldest_tradeline_opened
- Age of the Oldest Trade
months_recent_tradeline_opened
- Age of the Newest Trade
total_payment_obligation_open_tradelines
- Monthly Current Debt Payment
months_recent_delinquency
- Months Since the Most Recent Delinquency on Trade
Revolving: get_revolving_attributes_by_order_id
get_revolving_attributes_by_order_id
query ($id: String!) {
get_revolving_attributes_by_order_id(args: {id: $id}){
total_revolving_tradelines
# more attributes ...
}
}
total_revolving_tradelines
- Number of Revolving Trades
open_revolving_tradelines
- Number of Open Revolving Trades
revolving_tradelines_opened_last_6_months
- Number of Revolving Trades Opened in 6 Months
months_oldest_revolving_tradeline_opened
- Age of the Oldest Revolving Trade
months_recent_revolving_tradeline_opened
- Age of the Newest Open Revolving Trade
revolving_rate
- Overall Credit Utilization on Open Revolving Trades Reported Ever
months_recent_tradeline_revolving_delinquency
- Months Since the Most Recent Delinquency on Revolving Trade
total_outstanding_balance_open_revolving_tradelines
- Total Balance on Revolving Trades Reported in 6 Months
average_revolving_open_ended_tradeline_balance
- Average Balance on Open Revolving Trades Reported Ever
active_revolving_open_ended_tradelines_balance_opened_last_12_m
- Number of Revolving Trades Opened in 12 Months
active_revolving_open_ended_tradelines_balance_opened_last_24_m
- Number of Revolving Trades Opened in 24 Months
maximum_bank_card_utilization
- Maximum Utilization of Bankcard Trades Reported Ever
Mortgage: get_mortgage_attributes_by_order_id()
get_mortgage_attributes_by_order_id()
query ($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 > $0 Reported in 6 Months
Auto: get_auto_attributes_by_order_id()
get_auto_attributes_by_order_id()
query ($id: String!) {
get_auto_attributes_by_order_id(args: {id: $id}){
total_auto_tradelines
# more attributes ...
}
}
total_auto_tradelines
- Number of Auto Trades
open_autotradelines
- Number of Open Auto Trades
auto_tradelines_opened_last_6_months
- Number of Auto Trades Opened in 6 months
months_oldest_auto_tradeline_opened
- Age of the Oldest Auto Trade
months_recent_auto_tradeline_opened
- Age of the Newest Auto Loan Trade
months_recent_auto_tradeline_delinquency
- Months Since the Most Recent Delinquency on Auto Trade
outstanding_balance_open_auto_tradeline
- Total Balance on Open Auto Loan Trades Reported in 6 Months
total_monthly_payment_obligation_for_open_auto_tradelines
- Total Actual Payment Amount on Auto Loan Trades Reported in 6 Months
Unsecured/Installment: get_unsecured_installment_attributes_by_order_id()
get_unsecured_installment_attributes_by_order_id()
query ($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 > $0 Reported in 3 Months
open_unsecured_installment_tradelines
- Number of Open Unsecured Installment Trades Excluding Student Loan Trades
unsecured_installment_tradelines_opened_6_months
- Number of Unsecured Installment Trades Excluding Student Loan Trades Opened in 12 Months
months_oldest_unsecured_installment_tradelines_opened
- Age of the Oldest Unsecured Installment Trade Excluding Student Loan Trade
months_recent_unsecured_installment_tradelines_opened
- Age of the Newest Unsecured Installment Trade Excluding Student Loan Trade
months_recent_unsecured_installment_tradeline_delinquency
- Months Since the Most Recent Delinquency on Unsecured Trade Excluding Student Loan Trade
outstanding_balance_open_unsecured_installment_tradelines
- Total Balance on Unsecured Installment Trades Excluding Student Loan Trades Reported Ever
total_monthly_payment_obligation_for_open_unsecured_installment_tradelines
- Other Installment Scheduled Monthly Payment
Student Loans: get_student_loans_attributes_by_order_id()
get_student_loans_attributes_by_order_id()
query ($id: String!) {
get_student_loans_attributes_by_order_id(args: {id: $id}){
total_student_loan_tradelines
# more attributes ...
}
}
total_student_loan_tradelines
- Number of Student Loan Trades
open_student_loan_tradeLines
- Number of Open Student Loan Trades
student_loan_tradelines_opened_last_6_months
- Number of Deferred Student Loan Trades Opened in 6 Months
months_oldest_student_loan_tradelines_opened
- Age of the Oldest Student Loan Trade
months_recent_student_loan_tradelines_opened
- Age of the Newest Student Loan Trade
months_recent_student_loan_tradelines_delinquency
- Months Since the Most Recent Delinquency on Student Loan Trade
outstanding_balance_open_student_loan_tradelines
- Total Balance on Open Student Loan Trades Reported in 3 Months
student_loans_deferment
- Number of Deferred Student Loan Trades
student_loan_monthly_payment
- Average Actual Payment Amount on Student Loan Trades Reported in 9 Months
Delinquency: get_delinquency_attributes_by_order_id()
get_delinquency_attributes_by_order_id()
query ($id: String!) {
get_delinquency_attributes_by_order_id(args: {id: $id}){
tradelines_currently_DQ30
# more attributes ...
}
}
tradelines_currently_DQ30
- Number of Trades Currently 30+ DPD Delinquency or Major Derogatory Reported Ever
tradelines_currently_DQ60
- Number of Trades Currently 60+ DPD Delinquency or Major Derogatory Reported in 6 Months
Specialized: get_specialized_attributes_by_order_id()
get_specialized_attributes_by_order_id()
query ($id: String!) {
get_specialized_attributes_by_order_id(args: {id: $id}){
inquiries_on_file
# more attributes ...
}
}
inquiries_on_file
- Number of Inquiries in 24 Months without Dedupe
inquiries_last_6_months
- Number of Inquiries in 6 Months without Dedupe
non_mortgage_non_inquiries_last_6_months
- Number of Inquiries Excluding Auto and Mortgage in 6 Months without Dedupe
months_recent_bankruptcy
- Months Since the Most Recent Bankruptcy
months_recent_public_record
- Months Since the Most Recent Public Record Bankruptcy Filed
months_recent_third_party_collection
- Months Since the Most Recent Collection 3rd Party Non-Medical
percent_satisfactory_trades_last_24_months
- Percent of Trades Currently Satisfactory to Total Trades Reported in 6 Months
percent_opened_trades_last_24_Months
- Percent of Trades Excluding Student Loan Trades Opened in 12 Months to Total Trades Excluding Student Loan Trades
non_medical_collections
- Number of Unpaid Collection 3rd Party Non-Medical in 12 Months
percent_high_revolving_trade_utilization
- Maximum Utilization of Revolving Trades Reported in 6 Months
mortgage_trade_highest_high_credit
- Maximum Credit Limit/High Credit on Mortgage Trades
bankruptcies
- Number of Bankruptcy Trades Ever
foreclosures
- Number of Foreclosure Trades Ever
tradeline_DTI
- Debt to Income Ratio w/Scheduled Payment (R&D Lab)
tradeline_NDI
- Monthly Disposable Income w/Scheduled Payment (R&D Lab)
Worst: get_worst_attributes_by_order_id()
get_worst_attributes_by_order_id()
query ($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