CreditScore

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/bloom-credit/main/json-schema/bloom-credit-credit-score-schema.json",
  "title": "CreditScore",
  "description": "A credit score from a specific bureau and scoring model.",
  "type": "object",
  "properties": {
    "bureau": {
      "type": "string",
      "description": "Credit bureau providing the score.",
      "enum": ["equifax", "experian", "transunion"],
      "example": "equifax"
    },
    "score_type": {
      "type": "string",
      "description": "Scoring model used (e.g., FICO8, VANTAGE3).",
      "example": "FICO8"
    },
    "score": {
      "type": "integer",
      "description": "Numerical credit score value.",
      "minimum": 300,
      "maximum": 850,
      "example": 720
    },
    "score_range_min": {
      "type": "integer",
      "description": "Minimum score in the scoring model range.",
      "example": 300
    },
    "score_range_max": {
      "type": "integer",
      "description": "Maximum score in the scoring model range.",
      "example": 850
    },
    "factors": {
      "type": "array",
      "description": "Score factors and reasons.",
      "items": {
        "type": "object",
        "properties": {
          "code": { "type": "string", "example": "PAYMENT_HISTORY" },
          "description": { "type": "string", "example": "Payments made on time" }
        }
      }
    }
  }
}