The Scoring Attributes Report object

Scoring Attributes reports provide cash-flow metrics, derived income streams, and risk scores based on a consumer’s bank transaction history. Use these reports for credit decisioning, underwriting verifications, and retroactive analytics.

Attributes

The report response includes the following attributes.

Attribute	Type	Description
report_id	string	Unique guid generated by scoring attributes API for identifying report
source_guid	string	Only applicable for refresh reports and existing customer refresh reports, new customer reports return `null`, unique guid of prior Scoring Attributes report for customer, returns most recent successful report for customers with multiple reports, the Refresh Report endpoint uses this report’s transactions as starting point
refresh	Boolean	Status of refresh report
lender_reference	string	Value for lender to identify report request, e.g. loan application number
customer_identifier	string	Customer-level unique identifier, NOTE: Do not use personally identifiable information such as SSN or government ID numbers.
purpose	string	Purpose of report, valid values are below: `decisioning` - FCRA credit decisioning `verification` - Non-FCRA underwriting verifications `analytics` - Retroactive reports for analytical purposes only
status	string	Terminal statuses are: `success`, `failed`, `data_import_error` A status of `processing` indicates that the report is still being processed. An additional call should be made to the GET endpoint until a terminal status is returned.
cutoff_date	string	Latest date of financial activity included in report, typically set to current date or application date, date is in the past for retro-scored reports
created_at	string	Date and time of report request
updated_at	string	Date and time of report update
alerts	array of objects	Values present when notifying lender of specific conditions, conditions do not prevent report completion, see Alerts object
scores	array of objects	Generic or custom scores, only report purpose-applicable scores are returned, see Scores object
metrics	array of objects	See Metrics object
derived_incomes	array of objects	See Derived Incomes object

Alerts object

Each alert includes the following fields.

Attribute	Type	Description
alert_code	integer	Integer indicating alert type, see message field for valid values
message	string	Message describing alert condition, valid values and alert codes below `1` - No consistent income sources present `2` - No consistent payment streams present `3` - Short transaction history `4` - Low transaction activity `5` - Unable to calculate daily balances for all accounts `6` - Accounts with stale ending balances are present `7` - Low ratio of debit activity

Scores object

Each score includes the following fields.

Attribute	Type	Description
name	string	Model name
version	float	Model version
value	integer	Scaled score value

Metrics object

Each metric includes the following fields.

Attribute	Type	Description
name	string	Metric name, not including period of time
time_period	string	Abbreviation for time period of metric, valid values below: `1m_l0` - Last month `2m_l0` - Last 2 months `3m_l0` - Last 3 months `4m_l0` - Last 4 months `6m_l0` - Last 6 months `1w_l0` - Last week `2w_l0` - Last 2 weeks `2m_l2` - 2 months (2 month delay) `2m_l4` - 2 months (4 month delay) `4m_l2` - 4 months (2 month delay) `1m_l1` - 1 month (1 month delay) `2w_l2` - 2 weeks (2 week delay) `0m_l0` - Current snapshot `0m_l2` - Snapshot from 2 months ago `0m_l4` - Snapshot from 4 months ago `lftm` - Lifetime `2m_to_1m` - Change from 2 months ago to current month `3m_to_1m` - Change from 3 months ago to current month
short_name	string	Abbreviated form of metric name combined with time period
unit	string	Measurement type for metric, valid fields `dollars`, `percent`, `boolean`, `count`
value	number	Numeric value of metric, can contain null values, `null` is not `0` and must be properly parsed For amounts, returns dollar value with decimals indicating cents, such as `2.99` For percentages, returns an integer, for example 5% is `5` For Booleans, `True` is represented as `1` and `False` is represented as `0` For `counts` such as number of consistent payments, returns integers

Derived incomes object

Each derived income stream includes the following fields.

Attribute	Type	Description
description	string	Normalized description for derived income stream, for sensitive information within description, such as health information, description returns as `REDACTED`
frequency	string	Frequency of income stream, possible values are `monthly`, `semi_monthly`, `bi_weekly`, `weekly`
days	array	Day or days of week or month for recurring deposits For `monthly` and `semi-monthly` frequencies, returns day of the month and `-1` indicates end of month For `weekly` and `bi_weekly` frequencies, returns day of week where `1` indicates Monday and `7` indicates Sunday
formatted_frequency	string	Frequency combined with recurrence days
months	number	Longest period income stream has been recurring from report date Income streams are only evaluated on whole months and 2, 3, 4 and 6 month intervals
average_amount	double	Average amount of each deposit in covered monthly interval
monthly_amount	double	Projected monthly amount based on average amount and occurrence frequency

Endpoints

Use the endpoints below to get information on reports for scoring attributes.

Example response

{
  "report_id": "string",
  "source_guid": "2f918810e4b911edb5ea0242ac120002",
  "refresh": true,
  "lender_reference": "appl-1234",
  "customer_identifier": "cust-9999",
  "purpose": "decisioning",
  "status": "success",
  "cutoff_date": "2021-03-31",
  "created_at": "2022-03-16 12:56:15 -0700",
  "updated_at": "2022-03-16 12:56:17 -0700",
  "alerts": [
    {
      "alert_code": 1,
      "message": "No consistent income sources present"
    }
  ],
  "scores": [
    {
      "name": "Overdraft Risk Score",
      "version": 1,
      "value": 750
    }
  ],
  "metrics": [
    {
      "name": "derived_nsf_fee_amount",
      "time_period": "2m_l0",
      "short_name": "drvd_nsf_fee_amt_2m_l0",
      "unit": "dollars",
      "value": 23.99
    }
  ],
  "derived_incomes": [
    {
      "description": "direct deposit from xyz company",
      "frequency": "semi_monthly",
      "days": [15, -1],
      "formatted_frequency": "Semi-Monthly (15, eom)",
      "months": 3,
      "average_amount": 475.99,
      "monthly_amount": 1003.21
    }
  ]
}

​Attributes

​Alerts object

​Scores object

​Metrics object

​Derived incomes object

​Endpoints

​Example response