Bloom Credit Consumers API

openapi: 3.2.0
info:
  title: Bloom Credit Consumers API
  description: Bloom Credit API provides access to consumer credit data from all three major credit bureaus (Equifax, Experian, TransUnion). Enables fintech applications, lenders, and financial services platforms to retrieve credit reports, credit scores, trade line data, and credit monitoring capabilities for consumers who have granted consent.
  version: '1.0'
  contact:
    name: Bloom Credit Developer Support
    url: https://bloomcredit.io
  termsOfService: https://bloomcredit.io/terms
  license:
    name: Proprietary
    url: https://bloomcredit.io/terms
servers:
- url: https://api.bloomcredit.io/v1
  description: Production
- url: https://api.sandbox.bloomcredit.io/v1
  description: Sandbox
security:
- ApiKeyAuth: []
tags:
- name: Consumers
  description: Consumer identity and registration
paths:
  /consumers:
    post:
      operationId: create-consumer
      summary: Bloom Credit Create Consumer
      description: Registers a new consumer and obtains consent for credit data access. Returns a consumer_id used for subsequent credit data requests.
      tags:
      - Consumers
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateConsumerRequest'
            examples:
              create-consumer:
                summary: Register a consumer
                value:
                  first_name: Jane
                  last_name: Smith
                  date_of_birth: '1985-06-15'
                  ssn: 123-45-6789
                  address:
                    street: 456 Oak Avenue
                    city: San Francisco
                    state: CA
                    zip_code: '94102'
                  email: jane.smith@example.com
                  phone: '+14155551234'
                x-microcks-default: true
      responses:
        '201':
          description: Consumer registered successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Consumer'
              examples:
                created-consumer:
                  summary: Created consumer
                  value:
                    consumer_id: cns_8f7d3a2b1c4e5f6a
                    first_name: Jane
                    last_name: Smith
                    email: jane.smith@example.com
                    status: ACTIVE
                    created_at: '2026-01-15T10:00:00Z'
                  x-microcks-default: true
      x-microcks-operation:
        delay: 100
        dispatcher: SCRIPT
  /consumers/{consumer_id}:
    get:
      operationId: get-consumer
      summary: Bloom Credit Get Consumer
      description: Retrieves a registered consumer's profile and status.
      tags:
      - Consumers
      parameters:
      - name: consumer_id
        in: path
        required: true
        schema:
          type: string
        description: Unique identifier for the consumer.
      responses:
        '200':
          description: Consumer retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Consumer'
              examples:
                get-consumer:
                  summary: Consumer profile
                  value:
                    consumer_id: cns_8f7d3a2b1c4e5f6a
                    first_name: Jane
                    last_name: Smith
                    email: jane.smith@example.com
                    status: ACTIVE
                    created_at: '2026-01-15T10:00:00Z'
                  x-microcks-default: true
      x-microcks-operation:
        delay: 50
        dispatcher: URI_PARTS
        dispatcherRules: consumer_id
components:
  schemas:
    Consumer:
      type: object
      description: A registered consumer with consent for credit data access.
      properties:
        consumer_id:
          type: string
          description: Unique identifier for the consumer.
          example: cns_8f7d3a2b1c4e5f6a
        first_name:
          type: string
          description: Consumer's first name.
          example: Jane
        last_name:
          type: string
          description: Consumer's last name.
          example: Smith
        email:
          type: string
          format: email
          description: Consumer's email address.
          example: jane.smith@example.com
        status:
          type: string
          description: Consumer account status.
          enum:
          - ACTIVE
          - INACTIVE
          - PENDING
          example: ACTIVE
        created_at:
          type: string
          format: date-time
          example: '2026-01-15T10:00:00Z'
    Address:
      type: object
      description: Physical mailing address.
      properties:
        street:
          type: string
          example: 456 Oak Avenue
        city:
          type: string
          example: San Francisco
        state:
          type: string
          example: CA
        zip_code:
          type: string
          example: '94102'
    CreateConsumerRequest:
      type: object
      required:
      - first_name
      - last_name
      - date_of_birth
      - ssn
      - address
      properties:
        first_name:
          type: string
          example: Jane
        last_name:
          type: string
          example: Smith
        date_of_birth:
          type: string
          format: date
          example: '1985-06-15'
        ssn:
          type: string
          description: Social Security Number for identity verification.
          example: 123-45-6789
        address:
          $ref: '#/components/schemas/Address'
        email:
          type: string
          format: email
          example: jane.smith@example.com
        phone:
          type: string
          example: '+14155551234'
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-API-Key
      description: API key obtained from the Bloom Credit developer portal
x-generated-from: documentation
x-source-url: https://bloomcredit.io