TrueAccord

TrueAccord is a digital-first, omnichannel debt collection agency that uses data science and machine learning to recover consumer debt with a consumer-friendly, self-service experience. Through its Recover API, creditors and debt buyers place consumers and their debts for collection and manage customer records — customers, their contact information (addresses, phones, emails), and the debts placed against them — over a simple HTTPS interface secured with HTTP Basic authentication (API key as username) plus an X-TA-CREDITOR header for multi-creditor accounts. TrueAccord also operates first-party collections through its Sentry Credit subsidiary and its HeartBeat and HumAIn platforms, and is ISO 27001 certified.

TrueAccord publishes 1 API contract indexed on the APIs.io network: Customers API. Tagged areas include Company, Debt Collection, Financial Services, Fintech, and Machine Learning.

The TrueAccord catalog on APIs.io includes 1 Spectral governance ruleset.

TrueAccord’s developer surface includes pricing, engineering blog, documentation, API reference, authentication, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

37.3/100 thin ▬ flat Agent 26/100 agent aware Front door AI 4/6 moderate Heartbeat 98/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

1 published contract 1 Agent Skills

Company Debt Collection Financial Services Fintech Machine Learning Collection Consumer Finance

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Credit & Lending Management

BC-1320

Customers

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 37.3/100 · thin

Contract Quality 10.8 / 19

Developer Ergonomics 6.3 / 15

Access Clarity 3.9 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 2.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 26.3 — up to +14.7 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Developer Ergonomics scores 42.3 — up to +11.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/trueaccord/apis.yml: open an issue on github.com/api-evangelist/trueaccord to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

TrueAccord Customers API

Create, retrieve, and manage customers (consumers) and their debts.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

TrueAccord Recover Customers API

OPEN COLLECTION

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Place a customer and debt, then track it

AGENT SKILL

TrueAccord API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Trueaccord Plans Pricing

0 plans

PLANS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

TrueAccord API Rules

59 rules · 57 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Trueaccord Recover Overlay

3 actions · update · trueaccord-recover-openapi.yml

DERIVED

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Trueaccord Authentication

http · 1 scheme

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Trueaccord Agentic Access

6 operations

6 operations · 0 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

AgenticAccess

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 2

Authentication, authorization, and security posture

Compliance

Compliance

Authentication

Authentication

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

Plans

TermsOfService

PrivacyPolicy

Company 4

The organization behind the API

Blog

BlogRSS

Website

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: trueaccord
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: low
  source:
  - authentication
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/trueaccord.png
name: TrueAccord
description: TrueAccord is a digital-first, omnichannel debt collection agency that uses data science and machine learning
  to recover consumer debt with a consumer-friendly, self-service experience. Through its Recover API, creditors and debt
  buyers place consumers and their debts for collection and manage customer records — customers, their contact information
  (addresses, phones, emails), and the debts placed against them — over a simple HTTPS interface secured with HTTP Basic authentication
  (API key as username) plus an X-TA-CREDITOR header for multi-creditor accounts. TrueAccord also operates first-party collections
  through its Sentry Credit subsidiary and its HeartBeat and HumAIn platforms, and is ISO 27001 certified.
url: https://raw.githubusercontent.com/api-evangelist/trueaccord/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- homebrew
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Company
- Debt Collection
- Financial Services
- Fintech
- Machine Learning
- Collection
- Consumer Finance
tags_raw:
- Company
- Debt Collection
- Financial Services
- Fintech
- Machine Learning
- Collections
- Consumer Finance
- Financial-Services
- Machine-Learning
apis:
- aid: trueaccord:trueaccord-customers-api
  name: TrueAccord Customers API
  description: Create, retrieve, and manage customers (consumers) and their debts.
  humanURL: https://docs.trueaccord.com/recover/recover-api-reference
  baseURL: https://api.trueaccord.com/api/v1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/trueaccord-customers-api-openapi.yml
  - type: Documentation
    url: https://docs.trueaccord.com/recover/recover-api-reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Pricing
  url: https://www.trueaccord.com/
- type: Plans
  url: plans/trueaccord-plans-pricing.yml
- url: https://www.trueaccord.com/press
  type: Blog
- url: https://www.trueaccord.com/feed/
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/trueaccord-capability-edges.yml
  name: TrueAccord Business Capability Map
- type: Website
  url: https://www.trueaccord.com
- type: DeveloperPortal
  url: https://docs.trueaccord.com/
- type: Documentation
  url: https://docs.trueaccord.com/
- type: APIReference
  url: https://docs.trueaccord.com/recover/recover-api-reference
- type: Blog
  url: https://blog.trueaccord.com/
- type: TermsOfService
  url: https://www.trueaccord.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.trueaccord.com/privacy-policy/
- type: Compliance
  url: https://www.trueaccord.com/it-security
- type: Authentication
  url: authentication/trueaccord-authentication.yml
- type: Conventions
  url: conventions/trueaccord-conventions.yml
- type: Idempotency
  url: conventions/trueaccord-conventions.yml
- type: ErrorCatalog
  url: errors/trueaccord-problem-types.yml
- type: Lifecycle
  url: lifecycle/trueaccord-lifecycle.yml
- type: Conformance
  url: conformance/trueaccord-conformance.yml
- type: DataModel
  url: data-model/trueaccord-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/trueaccord-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/trueaccord-llms.txt
- type: Overlay
  url: overlays/trueaccord-recover-overlay.yaml
- type: AgenticAccess
  url: agentic-access/trueaccord-agentic-access.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 13
  pass: local-v1

TrueAccord API — frequently asked questions

Does TrueAccord have an API?

Yes. APIs.io lists 1 API from TrueAccord, including TrueAccord Customers API.

Is there an OpenAPI specification for the TrueAccord API?

Yes. APIs.io indexes 1 OpenAPI specification for TrueAccord, each linked for download from this page.

How do I authenticate with the TrueAccord API?

TrueAccord uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Trueaccord Authentication.

Is the TrueAccord API ready for AI agents?

TrueAccord has a Kin Score of 37.3 out of 100 (thin) and an Agent Readiness score of 25.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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