TradeLine

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/bloom-credit/main/json-schema/bloom-credit-trade-line-schema.json",
  "title": "TradeLine",
  "description": "An individual account or trade line in a credit report.",
  "type": "object",
  "properties": {
    "account_id": {
      "type": "string",
      "description": "Unique identifier for this trade line.",
      "example": "tl_9a8b7c6d5e4f"
    },
    "bureau": {
      "type": "string",
      "description": "Bureau reporting this trade line.",
      "enum": ["equifax", "experian", "transunion"],
      "example": "equifax"
    },
    "creditor_name": {
      "type": "string",
      "description": "Name of the creditor or lender.",
      "example": "Chase Bank"
    },
    "account_type": {
      "type": "string",
      "description": "Type of account.",
      "example": "revolving"
    },
    "account_status": {
      "type": "string",
      "description": "Whether the account is open or closed.",
      "enum": ["open", "closed"],
      "example": "open"
    },
    "credit_limit": {
      "type": "integer",
      "description": "Credit limit in USD.",
      "example": 10000
    },
    "current_balance": {
      "type": "integer",
      "description": "Current balance in USD.",
      "example": 2400
    },
    "payment_status": {
      "type": "string",
      "description": "Current payment status.",
      "example": "current"
    },
    "opened_date": {
      "type": "string",
      "format": "date",
      "example": "2018-03-01"
    },
    "last_activity_date": {
      "type": "string",
      "format": "date",
      "example": "2026-01-10"
    }
  }
}