{
  "consumer_id": "cns_8f7d3a2b1c4e5f6a",
  "scores": [
    {
      "bureau": "equifax",
      "score_type": "FICO8",
      "score": 720,
      "score_range_min": 300,
      "score_range_max": 850,
      "score_date": "2026-01-15",
      "factors": [
        {
          "code": "PAYMENT_HISTORY",
          "description": "Payments have been consistently made on time"
        },
        {
          "code": "CREDIT_UTILIZATION",
          "description": "Low credit utilization ratio"
        }
      ]
    },
    {
      "bureau": "experian",
      "score_type": "FICO8",
      "score": 715,
      "score_range_min": 300,
      "score_range_max": 850,
      "score_date": "2026-01-15",
      "factors": [
        {
          "code": "PAYMENT_HISTORY",
          "description": "Payments have been consistently made on time"
        }
      ]
    },
    {
      "bureau": "transunion",
      "score_type": "FICO8",
      "score": 718,
      "score_range_min": 300,
      "score_range_max": 850,
      "score_date": "2026-01-15",
      "factors": [
        {
          "code": "PAYMENT_HISTORY",
          "description": "Payments have been consistently made on time"
        }
      ]
    }
  ]
}