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 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
40.9/100 thin ▬ flat Agent 74/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs 1 MCP Servers
CompanyDebt CollectionFinancial ServicesFintechMachine LearningCollectionsConsumer Finance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 40.9/100 · thin
Contract Quality 15.5 / 25
Developer Ergonomics 10.4 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 74/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

trueaccord-mcp.yml

MCP SERVER

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

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgenticAccess
AgenticAccess
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
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 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: trueaccord
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- 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: 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: MCPServer
  url: mcp/trueaccord-mcp.yml
- 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