Credit Trade Reports

Credit Trade Reports are sent to the credit bureau's monthly.

Get Credit Report List

Use this endpoint to retrieve a paginated list of credit reports.

Method: POST

Endpoint: {{env}}/api/creditreporting/filter

Request

{
    "ReportId": "e6f7a8b9-...c0d1",
    "TransactionMethod": "SecuredCredit",
    "ReportingMonth": "2025-05",
    "CreatedAtFrom": "2026-05-01",
    "CreatedAtTo": "2026-07-01",
    "Pagination": {
        "PageNumber": 1,
        "ItemsPerPage": 10
    }
}

Response

Input Parameters

Parameter	Type	Mandatory	Description
ReportId	Guid	No	Filter by specific report Id
TransactionMethod	String	No	Filter by card transaction method type
ReportingMonth	String	No	Reporting month. Format: yyyyMM
CreatedAtForm	Date	No	Format: yyyy-MM-dd
CreatedAtTo	Date	No	Format: yyyy-MM-dd
Pagination		No
PageNumber	Number	No	The respective page, starting at 1
ItemsPerPage	Number	No	The amount of items per page between 0 and

Response

Parameter	Type	Description
CurrentPage	Number	Current page of results
PageSize	Number	Number of items in page requested
TotalCount	Number	Total number of items queryable
Items
ReportId	Guid	Credit report Id
TransactionMethod	String	Card transaction method type
ReportingMonth	String	Reporting month
CreatedAt	DateTime	Record creation timestamp
Status	String	Report processing status
CreditBureau	String	Credit bureau the report was sent to

Get Credit Reporting Records

Use this endpoint to retrieve a paginated list of individual credit reporting records for a given report.

Method: POST

Endpoint: {{env}}/api/creditreporting/records/filter

Request

{
    "ReportId": "d9583779-e523-4816-bc19-450edfa5077a",
    "UserCardId": "4dfa7bd3-d509-4ddd-83be-304153f68f4f",
    "UserId": "e9166952-34f5-4766-a9b3-ad6a794c9d96",
    "CardReferenceId": "599000314805",
    "TransactionMethod": "CreditCardIssuance",
    "ReportingMonth": "202605",
    "CreatedAtFrom": "2026-05-01",
    "CreatedAtTo": "2026-07-01",
    "CreditBureau": "Equifax",
    "Pagination": {
        "PageNumber": 1,
        "ItemsPerPage": 10
    }
}

Response

Input Parameters

Parameter	Type	Mandatory	Description
ReportId	Guid	Yes	Filter by report Id
UserId	Guid	No	Filter by user Id
UserCardId	Guid	No	Filter by specific card Id
CardReferenceId	Guid	No	Card reference number of the card
TransactionMethod	String	No	Filter by card transaction method type
ReportingMonth	String	No	Reporting month. Format: yyyy-MM-dd or yyyyMM
CreatedAtFrom	Date	No	Format: yyyy-MM-dd
CreatedAtTo	Date	No	Format: yyyy-MM-dd
CreditBureau	String	No	Filter by credit bureau name
Pagination		No
PageNumber	Number	No	The respective page, starting at 1
ItemsPerPage	Number	No	The amount of items per page between 0 and 100

Response

Parameter	Type	Description
CurrentPage	Number	Current page of results
PageSize	Number	Number of items in page requested
TotalCount	Number	Total number of items queryable
Items
Id	Guid	Record Id
ReportId	Guid	Associated credit report Id
UserId	Guid	User Id
UserCardId	Guid	Card Id
CardReferenceId	String	Card reference Id
CreditBureau	String	Credit bureau the record was reported to
CreatedAt	DateTime	Record creation timestamp
UpdatedAt	DateTime	Record last updated timestamp
ReportingMonth	String	Reporting month
FirstName	String	Cardholder first name
LastName	String	Cardholder last name
DateOfBirth	String	Cardholder date of birth
HouseOrBuildingNumber	String	Street address house/building number
StreetName	String	Street name
City	String	City
Province	String	Province or state
PostalCode	String	Postal or zip code
AccountNumberLast4Digits	String	Last 4 digits of the card account number
EquifaxMemberNumber	String	Equifax member number
AccountType	String	Card account type
DateClosed	String	Date the account was closed (if applicable)
DateOfFirstMissedPaymentIfDelinquent	String	Date of first missed payment if account is delinquent
ActualPaymentReceived	String	Actual payment amount received
DateOfLastPayment	String	Date of most recent payment
AmountPastDue	String	Amount past due
CreditLimit	String	Credit limit of the account
CurrentBalance	String	Current account balance
DateAccountOpened	String	Date the account was opened
ExpectedPayment	String	Expected payment amount
HighestCreditUsed	String	Highest credit balance used
AccountStatus	String	Current account status
PaymentFrequencyType	String	Payment frequency (e.g. Monthly)