v1/parse-report ml
POST https://test.creditparsepro.io/v1/parse-report
Parses fixed length credit reports from major bureaus automatically detecting the bureau and report version and returning curated fields ready for machine learning. Fields have been normalized and standardized for ease of use in common machine learning models. Successful POST requests do affect your quota and rate limits based on your product tier.
Data Dictionary
| Field Name | Description | DataType | Range |
|---|---|---|---|
| age | Normalized age of the individual | Float | 0 to 1 |
| score | Normalized credit score | Float | 0 to 1 |
| dti | Debt-to-income ratio normalized to 0-1 scale | Float | 0 to 1 |
| tradelines.overall.paymenttoincome_ratio | Payment to income ratio normalized | Float | 0 to 1 |
| tradelines.overall.normalizedtotalcountperyear | Total tradeline count normalized by years of credit history | Float | Dynamic |
| tradelines.overall.normalizedopencountperyear | Open tradeline count normalized by years of credit history | Float | Dynamic |
| tradelines.overall.normalizedopencountpertotal_tradelines | Open tradeline count normalized by total tradelines | Float | 0 to 1 |
| tradelines.overall.normalizedtotalcountpertotal_tradelines | Total tradeline count normalized by total tradelines | Float | 0 to 1 |
| tradelines.revolving.revolvingutilizationratio | Credit utilization ratio for revolving accounts, normalized | Float | 0 to 1 |
| tradelines.installment.installmentutilizationratio | Credit utilization ratio for installment accounts, normalized | Float | 0 to 1 |
| address.statebit1 to address.statebit6 | Binary representation of the state | Binary | 0 or 1 |
| address.addresschangesperyearscaled | Frequency of address changes per year normalized to a 0-1 scale | Float | 0 to 1 |
| address.addresschangecountperyearoflife | Address changes normalized by age | Float | Dynamic |
| collections.normalized_count | Collections count normalized by total tradelines | Float | 0 to 1 |
| collections.collections_exist | Binary indicator if any collections exist | Binary | 0 or 1 |
| delinquencies.pastdue.normalizedopencountper_tradeline | Open past due accounts normalized by total tradelines | Float | 0 to 1 |
| delinquencies.pastdue.normalizedtotalcountper_tradeline | Total past due accounts normalized by total tradelines | Float | 0 to 1 |
| delinquencies.pastdue.normalizedpastdueopen_sum | Past due sum normalized by gross monthly income | Float | 0 to 1 |
| delinquencies.timeslate.normalized30daysper_tradeline | Times 30 days late normalized by total tradelines | Float | 0 to 1 |
| delinquencies.timeslate.normalized60daysper_tradeline | Times 60 days late normalized by total tradelines | Float | 0 to 1 |
| delinquencies.timeslate.normalized90daysper_tradeline | Times 90 days late or more normalized by total tradelines | Float | 0 to 1 |
| delinquencies.timeslate.normalized30daysper_year | Times 30 days late normalized by years of credit history | Float | Dynamic |
| delinquencies.timeslate.normalized60daysper_year | Times 60 days late normalized by years of credit history | Float | Dynamic |
| delinquencies.timeslate.normalized90daysper_year | Times 90 days late or more normalized by years of credit history | Float | Dynamic |
| inquiries.normalizedtotalcountperyear | Total inquiry count normalized by years of credit history | Float | 0 to 1 |
| inquiries.recentinquiryratio | Ratio of recent inquiries to total inquiries | Float | 0 to 1 |
| publicrecords.normalizedcount | Public records count normalized by total tradelines | Float | 0 to 1 |
| publicrecords.normalizedbankruptcy_count | Bankruptcy discharge count normalized by total tradelines | Float | 0 to 1 |
| publicrecords.publicrecords_exist | Binary indicator if any public records exist | Binary | 0 or 1 |
| publicrecords.bankruptcyexist | Binary indicator if any bankruptcy discharges exist | Binary | 0 or 1 |
| employment.employmentstabilityscore | Normalized score indicating employment stability | Float | 0 to 1 |
Request Body
{"format"=>"ml", "gross_monthly_income"=>"5000", "outcome"=>"1", "credit_report_text"=>"TU4R062011 1614F 0459317220240229143215PH0101207000SH01027101Y05N03PEN20210602NM01070F1DAY SUNNY PI01029F66688567819910601 AD01105F11333 HOPP CT FANTASY ISLAND IL60750 20221206AD01105F111233 S CARROT ST FANTASY ISLAND IL60750 20200408EM01100ASDF F 20240110V EM01100DEFI SLUTIONS FDEVELOPER 20240110V TR01288Q 0202V002WLM P & F CU I44009 I2020042620240101V 051000003817000006587 034M000000242 US 00 2024010105 00 TR01288B 041PF002FST PREMIER R38294 I2022060120240101V 011000000184000000414000007500 00 20231201111111111X11 120000002TR01288B 09616003DISCOVERBANK R4 I2012042520240101V 011000000093000000093000008000MIN 000000010 CC 00 2023120111111111111111111111111111111 290000002TR01288Q 06262001PROVDENT FCU I75500045 I2020100420240101V 011000000554000001005 00 202312011111111111111111111111111 250000002TR01288B 0848R015WILM TRUST M698007 I1995013120240101V 011000003327000036500 300M000000163 RE 00 20231201111111111111111111111111 240000002TR01288D 0160Q001BOSCOVS R1 I2007121020231201V 011000000019000000272 MIN 000000010 00 202311011XXXXX111111XX1XXX111X1XXXXXXXXXXXX111111XX1X11 470000002TM01040000000000001000000000005000000000IN0106516ORF 04593172NEEDHAM/RECF I 20240229IN0106540PEY 02462756MIDLAND CRED I 20240113OB01148TRANSUNION TEST FACILITY 555 W ADAMS CHICAGO, IL 60661 800-888-4213 AO0101700Q8804 SC0103400Q88+696 039013027018 AO010170680004O01AO010170705101M00ENDS010024"}
HEADERS
| Key | Datatype | Required | Description |
|---|---|---|---|
Content-Type | string | ||
x-api-key | string |
RESPONSES
status: OK
{"address":{"address_change_count_per_year_of_life":0.0312,"address_changes_per_year_scaled":0.0217,"state_bit_1":0,"state_bit_2":0,"state_bit_3":1,"state_bit_4":1,"state_bit_5":0,"state_bit_6":1},"age":0.1707,"collections":{"collections_exist":0,"normalized_count":0},"date":"2024-02-29","delinquencies":{"past_due":{"normalized_open_count_per_tradeline":0,"normalized_past_due_open_sum":0,"normalized_total_count_per_tradeline":0},"times_late":{"normalized_30_days_per_tradeline":0,"normalized_30_days_per_year":0,"normalized_60_days_per_tradeline":0,"normalized_60_days_per_year":0,"normalized_90_days_per_tradeline":0,"normalized_90_days_per_year":0}},"dti":0.085,"employment":{"employment_stability_score":1},"inquiries":{"normalized_total_count_per_year":0.0688,"recent_inquiry_ratio":1},"outcome":1,"public_records":{"normalized_count":0,"public_records_exist":0},"score":0.72,"tradelines":{"credit":{"normalized_open_count_per_total_tradelines":0,"normalized_open_count_per_year":0,"normalized_total_count_per_total_tradelines":0,"normalized_total_count_per_year":0},"installment":{"installment_utilization_ratio":0.5757,"normalized_open_count_per_total_tradelines":0.3333,"normalized_open_count_per_year":0.0688,"normalized_total_count_per_total_tradelines":0.3333,"normalized_total_count_per_year":0.0688},"mortgage":{"normalized_open_count_per_total_tradelines":0.1667,"normalized_open_count_per_year":0.0344,"normalized_total_count_per_total_tradelines":0.1667,"normalized_total_count_per_year":0.0344},"overall":{"normalized_open_count_per_total_tradelines":0,"normalized_open_count_per_year":0,"normalized_total_count_per_total_tradelines":0,"normalized_total_count_per_year":0},"revolving":{"normalized_open_count_per_total_tradelines":0.5,"normalized_open_count_per_year":0.1032,"normalized_total_count_per_total_tradelines":0.5,"normalized_total_count_per_year":0.1032,"revolving_utilization_ratio":0.0191}}}