credit
A credit record for a person: scores, their models, and the liabilities the report carries.
Credit refers to information about an individual's or organization's creditworthiness: their ability to borrow money with the promise of repaying the debt later, the amount of money they've borrowed but haven't repaid, and their history of repaying debt according to credit agreements.
Why it matters
Bureaus disagree in shape, not only in value. Score model naming, liability classification and joint-borrower treatment all differ between them, and this class is the single form all of it lands in.
A score is meaningless without its model, so the two travel together rather than a bare number being stored. That is the difference between a record that can be compared across bureaus and one that cannot.
Properties
| Property | Type | Definition |
|---|---|---|
credit_identifier | string | A credit identifier is a unique identifier for the credit record of an individual or organization. |
credit_score | integer | A credit score is a numerical representation of a person's creditworthiness based on their credit history. It's a three-digit number that ranges from 300 to 850, with higher scores indicating better creditworthiness. |