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 on the APIs.io network: Customers API. Tagged areas include Company, Debt Collection, Financial-Services, Fintech, and Machine-Learning.

TrueAccord’s developer surface includes documentation, API reference, engineering blog, authentication, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.6/100 thin ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Debt Collection Financial-Services Fintech Machine-Learning Collection Consumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 34.6/100 · thin

Contract Quality 13.0 / 23

Developer Ergonomics 7.6 / 18

Access Clarity 3.8 / 18

Operational Transparency 0.0 / 12

Contract Governance 0.5 / 11

Discoverability 6.8 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · 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

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.

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 github.com/api-evangelist/trueaccord: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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 2

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

API Collection

OPEN COLLECTION

TrueAccord Recover Customers API

OPEN COLLECTION

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 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

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: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  generated: '2026-09-03'
  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: '2026-07-21'
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
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: 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

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