Credit Report

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Flow Option Configuration

{
    "provider": "Equifax",
    "include_credit_report": true,
    "include_mortgages": true
}

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Config Fields

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Required Fields

• provider: Credit report provider (currently supports Equifax)
• include_credit_report: Boolean flag to include credit report in the flow response
• include_mortgages: Boolean flag to include mortgage information in the flow response

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Response Data

The credit report data will be included in the flow response under the credit object:

{
    "credit": {
        "provider": "Equifax",
        "score": 750,
        "payment_history": "good",
        "bankruptcies": [],
        "consumer_proposals": [],
        "debt": {
            "total": 15000,
            "monthly": 500
        },
        "mortgages": [{
            "type": "PRIMARY",
            "balance": 600000,
            "property": "456 Oak St, Toronto, ON"
        }]
    }
}

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Response Fields

• provider: Credit report provider used
• score: Credit score from the provider
• payment_history: Summary of payment history
• bankruptcies: List of bankruptcy records
• consumer_proposals: List of consumer proposal records
• debt: Current debt information
  • total: Total debt amount
  • monthly: Monthly debt payments
• mortgages: List of current mortgages (if include_mortgages is true)
  • type: Type of mortgage
  • balance: Current balance
  • property: Associated property address