Credit Attributes

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()

Example

query ($id: String!) {
  get_tradeline_attributes_by_order_id(args: {id: $id}){
    total_tradelines
    # more attributes ...
  }
}

Tradeline Attributes

Attribute	Description	Valid Value Range	Special Value Range*
total_tradelines	Number of Trades	0 - 92	96 - 99
open_tradelines	Number of Open Trades	0 - 92	96 - 99
tradeline_open_last_3_months	Number of Trades Opened in the last 3 Months	0 - 92	96 - 99
tradeline_open_last_6_months	Number of Trades Opened in the last 6 Months	0 - 92	96 - 99
tradeline_open_last_9_months	Number of Trades Opened in the last 12 Months	0 - 92	96 - 99
tradeline_open_last_12_months	Number of Trades Opened in the last 24 Months	0 - 92	96 - 99
months_oldest_tradeline_opened	Age of the Oldest Trade	0 - 992	996 - 999
months_recent_tradeline_opened	Age of the Newest Trade	0 - 992	996 - 999
months_average_open_tradeline_opened	Average Age of Open Trades	0 - 992	996 - 999
months_recent_delinquency	Months since the most recent delinquency on trade	0 - 992	996 - 999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Revolving

get_revolving_attributes_by_order_id

Example

query ($id: String!) {
  get_revolving_attributes_by_order_id(args: {id: $id}){
    total_revolving_tradelines
    # more attributes ...
  }
}

Revolving Attributes

Attribute	Description	Valid Value Range	Special Value Range*
total_revolving_tradelines	Number of Revolving Trades	0 - 92	96 - 99
total_credit_limit_open_revolving_tradelines	Total Credit Limit/High Credit of Open Revolving Trades Reported in 3 Months	0 - 999999992	999999996 - 999999999
total_balance_open_revolving_tradelines	Total Balance on Open Revolving Trades Reported in 3 Months	0 - 999999992	999999996 - 999999999
open_revolving_tradelines	Number of Open Revolving Trades	0 - 92	96 - 99
revolving_tradelines_opened_last_6_months	Number of Revolving Trades Opened in the last 6 Months	0 - 92	96 - 99
active_revolving_open_ended_tradelines_balance_opened_last_12_m	Number of Trades Opened in the last 12 Month	0 - 92	96 - 99
months_oldest_revolving_tradeline_opened	Age of the Oldest Revolving Trade	0 - 992	996 - 999
maximum_bank_card_utilization	Maximum Utilization of Bankcard Trades Reported Ever	0 - 9.9992	9.9996 - 9.9999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Mortgage

get_mortgage_attributes_by_order_id()

Example

query ($id: String!) {
  get_mortgage_attributes_by_order_id(args: {id: $id}){
    total_mortgage_tradelines
    # more attributes ...
  }
}

Mortgage Attributes

Attribute	Description	Valid Value Range	Special Value Range*
total_mortgage_tradelines	Number of Mortgage Trades	0 - 92	96 - 99
open_mortgage_tradelines	Number of Open Mortgage Trades	0 - 92	96 - 99
months_oldest_mortgage_tradeline_opened	Age of the Oldest Mortgage Trade	0 - 992	996 - 999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Auto

get_auto_attributes_by_order_id()

Example

query ($id: String!) {
  get_auto_attributes_by_order_id(args: {id: $id}){
    total_auto_tradelines
    # more attributes ...
  }
}

Auto Tradelines Attributes

Attribute	Description	Valid Value Range	Special Value Range*
total_auto_tradelines	Number of Auto Trades	0 - 92	96 - 99
open_autotradelines	Number of Open Auto Trades	0 - 92	96 - 99
months_recent_auto_tradeline_opened	Age of the Newest Auto Loan Trade	0 - 992	996 - 999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Unsecured/Installment

get_unsecured_installment_attributes_by_order_id()

Example

query ($id: String!) {
  get_unsecured_installment_attributes_by_order_id(args: {id: $id}){
    active_installment_tradelines
    # more attributes ...
  }
}

Unsecured / Installment Attributes

Attribute	Description	Valid Value Range	Special Value Range*
active_installment_tradelines	Number of Installment Trades	0 - 92	96 - 99
active_installment_tradelines_opened_last_3_months	Number of Open Installment Trades with Balance > $0 Reported in 3 Months	0 - 92	96 - 99
open_unsecured_installment_tradelines	Number of Open Unsecured Installment Trades Excluding Student Loan Trades	0 - 92	96 - 99
unsecured_installment_tradelines_opened_6_months	Number of Unsecured Installment Trades Excluding Student Loan Trades Opened in 12 Months	0 - 92	96 - 99
months_recent_unsecured_installment_tradeline_opened	Age of the Newest Unsecured Installment Trade Excluding Student Loan Trade	0 - 992	996 - 999
months_recent_unsecured_installment_tradeline_delinquency	Months Since the Most Recent Delinquency on Unsecured Trade Excluding Student Loan Trade	0 - 992	996 - 999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Student Loans

get_student_loans_attributes_by_order_id()

Example

query ($id: String!) {
  get_student_loans_attributes_by_order_id(args: {id: $id}){
    total_student_loan_tradelines
    # more attributes ...
  }
}

Student Loans Tradelines Attributes

Attribute	Description	Valid Value Range	Special Value Range*
total_student_loan_tradelines	Number of Student Loans Trades	0 - 92	96 - 99
outstanding_balance_open_student_loan_tradelines	Total Balance on Open Student Loan Trades Reported in 3 Months	0 - 999999992	999999996 - 999999999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Specialized

get_specialized_attributes_by_order_id()

Example

query ($id: String!) {
  get_specialized_attributes_by_order_id(args: {id: $id}){
    months_recent_public_record
    # more attributes ...
  }
}

Specialized Attributes

Attribute	Description	Valid Value Range	Special Value Range*
months_recent_public_record	Months Since the Most Recent Public Record Bankruptcy Filed	0 - 992	996 - 999
months_recent_third_party_collection	Months Since the Most Recent Collection 3rd Party Non-Medical	0 - 992	996 - 999
percent_opened_trades_last_24_months	Percent of Trades Excluding Student Loan Trades Opened in 12 Months to Total Trades Excluding Student Loan Trades	0 - 9.9992	9.9996 - 9.9999
foreclosures	Number of Foreclosure Trades Ever	0 - 92	96 - 99
inquiries_last_12_months	Number of Inquiries in 12 Months without Dedupe	0 - 92	96 - 99
inquiries_last_24_months_deduped	Number of Inquiries in 24 Months with Dedupe	0 - 92	96 - 99
bankruptcies_public_record	Number of Public Record Bankruptcies Ever	0 - 92	96 - 99
unpaid_collections	Number of Unpaid Collection 3rd Party Non-Medical Ever	0 - 92	96 - 99

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Worst

get_worst_attributes_by_order_id()

Example

query ($id: String!) {
  get_worst_attributes_by_order_id(args: {id: $id}){
    worst_rating_all_tradelines_last_12_Months
    # more attributes ...
  }
}

Worst Attributes

Attribute	Description	Valid Value Range	Special Value Range*
worst_rating_all_tradelines_last_12_months	Worst Current Status on Trades Reported in 12 Months	0 - 6	96 - 99

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).

Delinquency

get_delinquency_attributes_by_order_id()

Example

query ($id: String!) {
  get_delinquency_attributes_by_order_id(args: {id: $id}){
    percent_tradelines_never_delinquent
    # more attributes ...
  }
}

Delinquency Attributes

Attribute	Description	Valid Value Range	Special Value Range*
percent_tradelines_never_delinquent	Percent of Trades Never Delinquent to Total Trades Reported Ever	0 - 9.9992	9.9996 - 9.9999

*Bureau was unable to calculate attribute (e.g. no applicable or relevant trades, relevant trades excluded, disputed trade(s), etc).