iSoftpull | Parsing Full Feed Credit Reports API | Documentation

Documentation - Parsing Full Feed Credit Reports API

Full Feed Parsing

The full feed will return a json response that will contain different sections of the report. Here is the overall skeleton of the full feed response. The cards below will list out all the data values for each individual section.

                    
  "full_feed_link": "https://isoftpull-production-new.s3.amazonaws.com/qasdwzxcvef4ak6ixely3fg2734?response-
                     content-disposition=attachment%3B%20filename%3D%22report_bc1a5b3e-111b-2b2b-95e2-81feb1e
                     c1234.pdf%22%3B%20filename%2A%3DUTF-8%27%27report_bc1a5b3e-111b-2b2b-95e2-81feb1ec1234.pdf
                     &response-content-type=application%2Fpdf&X-Amz-Algorithm=AWS9-AAAA-BBB&X-Amz-Credential=ABC
                     D123UIIEFGDE3%2F202133308%2Fus-west-1%2Fs3%2Faws4_request&X-Amz-Date=20230606T122140Z&X-Amz
                     -Expires=900&X-Amz-SignedHeaders=host&X-Amz-Signature=a1234e11e111b111b11ee111txt8e20ec50f4bd2ee",
  "full_feed": {
                "credit_score": {

                },
                "personal_information": {

                },
                "address_history": {

                },
                "employment_history": {

                },
                "identity_risk": {

                },
                "income_analysis": {

                },
                "trade_accounts": [
                    {

                    },
                ],
                "inquiries": [
                    {

                    }
                ],
                "statements": [
                    {

                    }
                ],
                "collections": [],
                "public_record": []
            }

Full Feed URL

The full feed URL will give you a temporary link to the report in PDF format. The link will expire in 15 minutes.

                    
  "full_feed_link": "https://isoftpull-production-new.s3.amazonaws.com/qasdwzxcvef4ak6ixely3fg2734?response-
                     content-disposition=attachment%3B%20filename%3D%22report_bc1a5b3e-111b-2b2b-95e2-81feb1e
                     c1234.pdf%22%3B%20filename%2A%3DUTF-8%27%27report_bc1a5b3e-111b-2b2b-95e2-81feb1ec1234.pdf
                     &response-content-type=application%2Fpdf&X-Amz-Algorithm=AWS9-AAAA-BBB&X-Amz-Credential=ABC
                     D123UIIEFGDE3%2F202133308%2Fus-west-1%2Fs3%2Faws4_request&X-Amz-Date=20230606T122140Z&X-Amz
                     -Expires=900&X-Amz-SignedHeaders=host&X-Amz-Signature=a1234e11e111b111b11ee111txt8e20ec50f4bd2ee",

Credit Score

credit_score is an object of objects. The model name is the key of each object. Inside the object there will be a key/value pair with a score with an integer value and either reason_codes or no_score_reason with array values

KEYTYPEDESCRIPTION
scoreintegerApplicant's credit score provided by FICO® or Vantage
reason_codesarrayReason for applicants credit score
no_score_reasonarrayReason for absence of applicants credit score

Sample

                    
"credit_score":{
  "fico_4":{
    "score":500,
    "reason_codes":["INSUFFICIENT NUMBER OF VEHICLE LOANS OR LEASES", "INSUFFICIENT NUMBER OF BANKCARD ACCOUNTS"]
  },
  "fico_8":{
    "score":"NA",
    "no_score_reason":["insufficientCredit"]
  },
  "vantage_4":{
    "score":400,
    "reason_codes":["TOO MANY FINANCE COMPANY INSTALLMENT LOANS", "TOO MANY FINANCE COMPANY LOANS"]
  }
},

Personal Information

personal_information is a simple object with key/value pairs

KEYTYPEDESCRIPTION
first_namestringApplicant's first name
middle_namestringApplicant's middle name
last_namestringApplicant's last name
akastringApplicant's "Also Know As" if on file with relative credit bureau

Sample

                    
"personal_information":{
  "first_name":"Elon",
  "middle_name":"Texla",
  "last_name":"Muskgrub",
  "aka":null
},

Address History

address_history is an object which contains "current" and "previous" key/value pairs.

KEYTYPEDESCRIPTION
streetstringStreet address of applicant
citystringCity of applicant
statestringState of applicant
zipstringZip code of applicant
possession_typestringIndicates whether the applicant owns or rents the residence at this address
date_reportedstringDate address was reported

Sample

                    
"address_history":{
  "current":[
    {
      "street":"10012 FALCON WAY",
      "city":"AUSTIN",
      "state":"TX",
      "zip":"73301",
      "possesion_type":"Own",
      "date_reported":"05/09/2021"
    }
  ],
  "previous":[
    {
      "street":"89345 TEXLA CT",
      "city":"PALO ALTO",
      "state":"CA",
      "zip":"94020",
      "possesion_type":"Rent",
      "date_reported":"03/14/2018"
    },
    {
      "street":"100374 TECH ST",
      "city":"SAN FRANCISCO",
      "state":"CA",
      "zip":"94016",
      "possesion_type":"Own",
      "date_reported":"11/21/2015"
    }
  ]
},

Employment History

employment_history is an object with "current" and "previous" key/value pairs.

KEYTYPEDESCRIPTION
namestringEmployer of applicant, where available
occupationstringOccupation of applicant, where available
date_reportedstringDate employment was reported to the relative credit bureau, where available

Sample

                    
"employment_history":{
  "current":[
    {
      "name":"TEXLA MOTORZ",
      "occupation":"CEO",
      "date_reported":"01/30/2003”,
    }
  ],
  "previous":[
    {
      "name":"EZPAY",
      "occupation":"CEO",
      "date_reported":"01/30/2017"
    },
    {
      "name":"ZIX CORP",
      "occupation":"CEO",
      "date_reported":"05/14/2017"
    }
  ]
},

Identity Risk

identity_risk is an object of objects. It includes data from addons like OFAC, MLA, TruValidate, and ID Scan Alert

OFAC

KEYTYPEDESCRIPTION
search_statusstringOffice of Foreign Asset Control Status (optional credit report add on)
messagestringOffice of Foreign Asset Control Message (optional credit report add on)

MLA

KEYTYPEDESCRIPTION
covered_borrower_statusstringMilitary Lending Act Status (optional credit report add on)
referral_contact_numberstringMilitary Lending Act Contact Number (optional credit report add on)
messagestringMilitary Lending Act Message (optional credit report add on)

TruValidate

KEYTYPEDESCRIPTION
messagestringTransUnion Fraud Alert Message (optional credit report add on)

Identity Scan

KEYTYPEDESCRIPTION
messagestringEquifax Fraud Alert Message (optional credit report add on)

Fraud Shield

KEYTYPEDESCRIPTION
times_address_used_in_last_90_120_daysstringTimes address used in last 90-120 days (optional credit report add on)
address_accumulation_start_datestringAddress accumulation start date (optional credit report add on)
date_of_birthstringDate of Birth (optional credit report add on)
date_of_deathstringDate of Death (optional credit report add on)
address_informationstringAddress Information (optional credit report add on)
times_social_used_in_last_90_120_daysstringTimes social used in last 90-120 days (optional credit report add on)
social_accumulation_start_datestringSocial accumulation start date (optional credit report add on)
first_year_possible_for_ssn_issuancestringFirst year possible for SSN issuance (optional credit report add on)
last_year_possible_for_ssn_issuancestringLast year possible for SSN issuance (optional credit report add on)
typestringType (optional credit report add on)
textstringText (optional credit report add on)
indicatorsstringIndicators (optional credit report add on)

Sample

                    
"identity_risk":{
  "ofac":{
    "search_status":"Nothing to report",
    "message":"N/A"
  },
  "mla":{
    "covered_borrower_status":"Yes",
    "referral_contact_number":null,
    "message":null
  },
  "tru_validate":{
    "message":"TruValidate Fraud Alerts clear/clear for all searches performed"
  },
  "identity_scan":{
    "message":"IDENTITY SCAN DID NOT DETECT ANY ALERTS"
  },
  "fraud_shield":{
    "times_address_used_in_last_90_120_days":"5",
    "address_accumulation_start_date":"01/04/2004",
    "date_of_birth":"01/04/1960",
    "date_of_death":"01/04/2014",
    "address_information":"42150100",
    "times_social_used_in_last_90_120_days":"5",
    "social_accumulation_start_date":"01/04/2004",
    "first_year_possible_for_ssn_issuance":"01/04/1990",
    "last_year_possible_for_ssn_issuance":"01/04/2014",
    "type":"Inquiry address message",
    "text":"Text",
    "indicators":"INQUIRY/ONFILE CURRENT ADDRESS CONFLICT"
  },
},

Income Analysis

income_analysis is a simple object which contains key/value pairs with the result of each estimator

KEYTYPEDESCRIPTION
credit_vision_income_estimatorstringTransUnion Income Predictor - Estimated Annual Income (optional credit report add on)
debt_to_income_estimatorstringTransUnion Debt to Income Estimator (optional credit report add on)
consumer_income_viewstringEquifax Income Predictor - Predicted Annual Income (optional credit report add on)

Sample

                    
"income_analysis":{
  "credit_vision_income_estimator":"$500000",
  "debt_to_income_estimator":"2%",
  "consumer_income_view": "$20000"
},

Trade Accounts

trade_accounts is an array of objects. Each object contains key/value pairs that represent trade account details

KEYTYPEDESCRIPTION
companystringCompany giving loan or credit line
account_statusstringAccount Status
account_ratingstringAccount Rating
account_numberstringCustomer account number
account_typestringDescribes account type: e.g. automobile, conventional mortgage, credit card, etc.
portfolio_typestringDescribes loan type: e.g. line of credit, revolving, installment loan, mortgage, etc.
responsibilitystringDescribes responsibility: e.g. joint or individual account
payment_frequencystringDescribes when payments are due: e.g. monthly, quarterly, annually, etc.
termsstringDescribes how long the term of the agreement, if applicable.
date_of_openingstringDate the account was opened
date_reportedstringDate the account update was reported
date_of_closurestringDate account was closed, if applicable
balancestringCurrent balance of account
high_balance_amountstringDisplays in whole dollars the highest amount ever owed on this account
original_loan_amountstringOriginal balance owed
high_creditstringDisplays in whole dollars either the highest amount ever owed on this account or the original balance owed
credit_limitstringDisplays in whole dollars the subject’s credit limit for this account
monthly_payment_accountstringScheduled monthly payment, if applicable (some accounts have none. e.g. credit cards with zero balance)
actual_payment_amountstringHow much the customer paid on last payment
past_duestringAmount past due on the account
last_payment_datestringDate of most recent payment on the account
deferred_datestringThe date the loan is deferred until
balloon_due_amountstringThe amount of the balloon payment
balloon_due_datestringDate the balloon payment is due
months_reviewedstringNumber of months account has been reviewed
30_day_delinquenciesstringNumber of times subject has been 30 days late
60_day_delinquenciesstringNumber of times subject has been 60 days late
90_day_delinquenciesstringNumber of times subject has been 90 days late
max_delinquency_datestringDate of the maximum delinquency
remarksstringReturns the remark code, which provides more information about the account, may describe the final state of the account.
payment_history_start_datestringDate the payment pattern started
payment_historystringA series of comma-separated codes for each month (up to 24 months) denoting if payment was made or delinquent, see key below
PAYMENT PATTERN CODEDESCRIPTION
URUnrated/Rate Not Available
0Too new to rate; Approved but not used
EZero balance and current account
1Pays account as agreed
230–59 days past the due date
360–89 days past the due date
490–119 days past the due date
5120 days or more past the due date
6Collection account
7AIncluded in Chapter 13
7BPaying or paid under Wage Earner Plan or similar arrangement
8Repossession
8AVoluntary repossession
8PPaying or paid account with MOP 08 (Repossession)
9Charge-off / Charged off to bad debt
9PPaying or paid account with MOP 09 (Chargeoff) or 06 (Collection)
BAccount Condition Change, Pay code not applicable
CCurrent
FForeclosure
FPForeclosure Proceedings Started, Deed In Lieu
MInsurance Claim, Term Default, Government Claim, Paid by Dealer, BK Chapter 7, 11 or 12 Petitioned, or Discharged and BK Chapter 7, 11 or 12 Reaffirmation of Debt Rescinded

Sample

                    
"trade_accounts":[
  {
    "company":"SYNCB/HDFURN",
    "account_status": "Open",
    "account_rating": "Paid or paying as agreed",
    "account_number":"603463807603",
    "account_type":"Charge Account",
    "portfolio_type":"revolving",
    "responsibility":"individual",
    "payment_frequency”:"Monthly",
    "terms”:"360 months",
    "date_of_opening":"07/15/2021",
    "date_reported":"05/22/2022",
    "date_of_closure":"02/25/2022",
    "balance":"000002158",
    "high_balance_amount":"000002158",
    "original_loan_amount":"000002158",
    "high_credit":"000002158",
    "credit_limit":"000002000",
    "monthly_payment_account":"000000557",
    "actual_payment_amount":"557",
    "past_due":"000000530",
    "last_activity_date":"01/01/2022”,
    "last_payment_date":"10/12/2021",
    "most_recent_payment_amount”:”557”,
    "deferred_date":"12/01/2020",
    "balloon_due_amount":"125",
    "balloon_due_date":"12/30/2021",
    "remarks":"Profit and loss write-off",
    "months_reviewed":"09",
    "30_day_delinquencies":"01",
    "60_day_delinquencies":"01",
    "90_day_delinquencies":"03",
    "max_delinquency_date":"08/01/2020",
    "payment_history":"1,1,1,1,1,1,4,1,1,2,1,4,1,1,1,4,1,1,4,1,3,1,1",
    "payment_history_start_date":"05/22/2022"
  }
]

Inquiries

inquiries is an array of objects. Each object contains key/value pairs that represent inquiry details

KEYTYPEDESCRIPTION
companystringCompany making credit inquiry
datestringDate of credit inquiry
industrystringIndustry of underlying loan relative to the inquiry

Sample

                    
"inquiries":[
  {
    "company":"CREDCO",
    "date":"08/14/2021",
    "industry":"Miscellaneous"
  }]

Statements

statements is an array of objects. Each object contains key/value pairs that represent statement details

KEYTYPEDESCRIPTION
date_reportedstringDate of statement
statementstringConsumer statement

Sample

                    
"statements":[
  {
    "date_reported":"07/22/2020",
    "statement":"I did not make this charge. This is fraud."
  }]

Collections

collections is an array of objects. Each object contains key/value pairs that represent inquiry details

KEYTYPEDESCRIPTION
original_credit_grantorstringOriginal company debt was opened with
account_typestringDescribes account type: e.g. automobile, conventional mortgage, credit card, etc.
portfolio_typestringDescribes loan type: e.g. line of credit, revolving, installment loan, mortgage, etc.
responsibilitystringDescribes responsibility: e.g. joint or individual
date_assignedstringDate account was opened
date_reportedstringDate account was reported
balancestringCurrent balance on debt
original_loan_amountstringOriginal Loan Amount
last_payment_datestringMost recent payment date
original_creditor_typestringOriginal creditor type

Sample

                    
"collections":[
  {
    "original_credit_grantor":"Bank of CA",
    "account_type":"Collection Agency/Attorney",
    "portfolio_type":"revolving",
     "responsibility":"individual",
     "date_assigned":"12/13/2021",
     "date_reported":"04/01/2022",
     "balance":"2000",
     "original_loan_amount":"2000",
     "last_payment_date":"12/13/2021",
     "original_creditor_type":"retail"
  }
]

Public Record

public_record is an array of objects with key/value pairs that represent public record details

KEYTYPEDESCRIPTION
industry_codestringCredit bureau industry code
typestringType of public record
date_filedstringDate record was filed
plaintiffstringPlaintiff's name
courtstringCourt name
statusstringStatus of public record
ecoastringECOA code

Sample

                    
"public_record":[{
  "industry_code":"Automobile",
  "type":"Chapter 11 bankruptcy voluntary dismissal",
  "date_filed":"05/24/2018",
  "plaintiff":"Johnson's Automart",
  "court":"Superior Court",
  "status":"Bankruptcy Chapter 13-petition filed",
  "ecoa":"Individual"
}]




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