Delete Tradelines

Delete Tradeline Due to Fraud

When a tradeline has been deemed verified fraud, the deleteTradeline mutation should be used to remove the tradeline from a consumer's credit report.

About

This flow lets your organization remove a tradeline when it is determined to be fraudulent.

The deletion flow happens in two stages:

  1. Close Due to Fraud: Bloom marks the tradeline as closed with a fraud reason right away.
  2. Final Deletion Sync: Bloom later finalizes the deletion and sends a tradeline.deleted webhook after reporting has been confirmed between our systems.

This protects data consistency while still giving you an immediate fraud action.

Authentication

Use your normal Bloom API authentication for protected user actions.

If authentication is missing or invalid, the request will be rejected.

Headers

Header Value Description
Authorization Bearer <access-token> Authenticates your API request. Required.
Content-Type application/json Always application/json. Required.

GraphQL Request

Use the deleteTradeline(input: DeleteTradelineInput!) mutation. Pass the tradelineID in input.tradelineId:

GraphQL

mutation DeleteTradelineForFraud($input: DeleteTradelineInput!) {
  deleteTradeline(input: $input) {
    tradeline {
      id
      status
      closeReason
    }
  }
}

Example variables:

JSON

{
  "input": {
    "tradelineId": "4c4f50ae-1977-4e64-b143-c9bfc2f80501"
  }
}

Response

On success, the mutation returns the updated tradeline object.

At this point, you should expect:

Example response:

JSON

{
  "data": {
    "deleteTradeline": {
      "tradeline": {
        "id": "4c4f50ae-1977-4e64-b143-c9bfc2f80501",
        "status": "CLOSED",
        "closeReason": "FRAUD"
      }
    }
  }
}

Downstream Workflow

After the immediate response:

  1. Bloom records the fraud closure and removes active attestation linkage for that tradeline.
  2. Bloom runs a follow-up deletion process on a schedule.
  3. Once downstream reporting confirms timing requirements, Bloom marks the tradeline as fully deleted.
  4. Bloom sends a tradeline.deleted webhook to eligible partner organizations.

Webhook Behavior

When final deletion is completed, Bloom sends:

Webhook delivery follows your organization's webhook configuration and eligibility settings.

Error Reference

Common Request Errors

Error message What it means What to do
Invalid request The tradeline is not in a deletable state (for example, it is already closed or deleted). Confirm the current tradeline status, then retry only if it is open.
Not found The tradelineID does not exist, or it does not belong to the authenticated user. Verify the tradelineID and ensure you are calling with the correct user context.
Unauthorized Authentication is missing or invalid. Send a valid access token and retry.

Operational Notes

Best Practices