{
  "info": {
    "_postman_id": "ac189618-5cc1-4520-91f3-42bd9e106290",
    "name": "Bloom Credit Consumers Credit Reports API",
    "description": "Bloom Credit API provides access to consumer credit data from all three major credit bureaus (Equifax, Experian, TransUnion). Enables fintech applications, lenders, and financial services platforms to retrieve credit reports, credit scores, trade line data, and credit monitoring capabilities for consumers who have granted consent.\n\nContact Support:\n Name: Bloom Credit Developer Support",
    "schema": "https://schema.getpostman.com/json/collection/v2.1.0/collection.json",
    "createdAt": "2026-07-28T01:13:41.000Z",
    "updatedAt": "2026-07-28T01:13:41.000Z",
    "lastUpdatedBy": "35240",
    "uid": "35240-ac189618-5cc1-4520-91f3-42bd9e106290"
  },
  "item": [
    {
      "name": "consumers",
      "item": [
        {
          "name": "{consumer_id}",
          "item": [
            {
              "name": "credit-reports",
              "item": [
                {
                  "name": "Bloom Credit Get Credit Reports",
                  "id": "f6bda188-a96b-4a10-a8b3-dfa7ec04bd29",
                  "protocolProfileBehavior": {
                    "disableBodyPruning": true
                  },
                  "request": {
                    "method": "GET",
                    "header": [
                      {
                        "key": "Accept",
                        "value": "application/json"
                      }
                    ],
                    "url": {
                      "raw": "{{baseUrl}}/consumers/:consumer_id/credit-reports?bureaus=<string>&refresh=<boolean>",
                      "host": [
                        "{{baseUrl}}"
                      ],
                      "path": [
                        "consumers",
                        ":consumer_id",
                        "credit-reports"
                      ],
                      "query": [
                        {
                          "description": "Comma-separated list of bureaus (equifax,experian,transunion). Defaults to all three.",
                          "key": "bureaus",
                          "value": "<string>"
                        },
                        {
                          "description": "If true, pulls a fresh report from the bureau.",
                          "key": "refresh",
                          "value": "<boolean>"
                        }
                      ],
                      "variable": [
                        {
                          "id": "ad82acc4-6771-4bff-86ec-e98d58320a67",
                          "key": "consumer_id",
                          "value": "<string>",
                          "description": "(Required) Unique identifier for the consumer."
                        }
                      ]
                    },
                    "description": "Retrieves credit reports for the specified consumer from one or more credit bureaus. Returns structured trade line, inquiry, and public record data."
                  },
                  "response": [
                    {
                      "id": "b90fe1e2-bb47-4d49-9391-82453d3a0066",
                      "name": "Credit reports retrieved successfully",
                      "originalRequest": {
                        "method": "GET",
                        "header": [
                          {
                            "key": "Accept",
                            "value": "application/json"
                          },
                          {
                            "description": "Added as a part of security scheme: apikey",
                            "key": "X-API-Key",
                            "value": "<API Key>"
                          }
                        ],
                        "url": {
                          "raw": "{{baseUrl}}/consumers/:consumer_id/credit-reports?bureaus=<string>&refresh=<boolean>",
                          "host": [
                            "{{baseUrl}}"
                          ],
                          "path": [
                            "consumers",
                            ":consumer_id",
                            "credit-reports"
                          ],
                          "query": [
                            {
                              "description": "Comma-separated list of bureaus (equifax,experian,transunion). Defaults to all three.",
                              "key": "bureaus",
                              "value": "<string>"
                            },
                            {
                              "description": "If true, pulls a fresh report from the bureau.",
                              "key": "refresh",
                              "value": "<boolean>"
                            }
                          ],
                          "variable": [
                            {
                              "key": "consumer_id"
                            }
                          ]
                        }
                      },
                      "status": "OK",
                      "code": 200,
                      "_postman_previewlanguage": "json",
                      "header": [
                        {
                          "key": "Content-Type",
                          "value": "application/json"
                        }
                      ],
                      "cookie": [],
                      "responseTime": null,
                      "body": "{\n  \"consumer_id\": \"<string>\",\n  \"reports\": [\n    {\n      \"bureau\": \"equifax\",\n      \"pull_date\": \"<dateTime>\",\n      \"scores\": [\n        {\n          \"bureau\": \"transunion\",\n          \"score_type\": \"<string>\",\n          \"score\": \"<integer>\",\n          \"score_range_min\": \"<integer>\",\n          \"score_range_max\": \"<integer>\",\n          \"factors\": [\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            },\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            }\n          ]\n        },\n        {\n          \"bureau\": \"equifax\",\n          \"score_type\": \"<string>\",\n          \"score\": \"<integer>\",\n          \"score_range_min\": \"<integer>\",\n          \"score_range_max\": \"<integer>\",\n          \"factors\": [\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            },\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            }\n          ]\n        }\n      ],\n      \"trade_lines_count\": \"<integer>\",\n      \"open_accounts\": \"<integer>\",\n      \"total_balance\": \"<integer>\"\n    },\n    {\n      \"bureau\": \"experian\",\n      \"pull_date\": \"<dateTime>\",\n      \"scores\": [\n        {\n          \"bureau\": \"equifax\",\n          \"score_type\": \"<string>\",\n          \"score\": \"<integer>\",\n          \"score_range_min\": \"<integer>\",\n          \"score_range_max\": \"<integer>\",\n          \"factors\": [\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            },\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            }\n          ]\n        },\n        {\n          \"bureau\": \"equifax\",\n          \"score_type\": \"<string>\",\n          \"score\": \"<integer>\",\n          \"score_range_min\": \"<integer>\",\n          \"score_range_max\": \"<integer>\",\n          \"factors\": [\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            },\n            {\n              \"code\": \"<string>\",\n              \"description\": \"<string>\"\n            }\n          ]\n        }\n      ],\n      \"trade_lines_count\": \"<integer>\",\n      \"open_accounts\": \"<integer>\",\n      \"total_balance\": \"<integer>\"\n    }\n  ]\n}",
                      "createdAt": "2026-07-28T01:13:41.000Z",
                      "updatedAt": "2026-07-28T01:13:41.000Z",
                      "uid": "35240-b90fe1e2-bb47-4d49-9391-82453d3a0066"
                    }
                  ],
                  "createdAt": "2026-07-28T01:13:41.000Z",
                  "updatedAt": "2026-07-28T01:13:41.000Z",
                  "uid": "35240-f6bda188-a96b-4a10-a8b3-dfa7ec04bd29"
                }
              ],
              "id": "50cf1bda-0320-41b1-b4f3-f5b1088f70d2",
              "createdAt": "2026-07-28T01:13:41.000Z",
              "updatedAt": "2026-07-28T01:13:41.000Z",
              "uid": "35240-50cf1bda-0320-41b1-b4f3-f5b1088f70d2"
            }
          ],
          "id": "aec321a4-0a37-42cf-a9ae-8e75693aec62",
          "createdAt": "2026-07-28T01:13:41.000Z",
          "updatedAt": "2026-07-28T01:13:41.000Z",
          "uid": "35240-aec321a4-0a37-42cf-a9ae-8e75693aec62"
        }
      ],
      "id": "9b2d72f4-b6d5-493e-8221-acf6ae816189",
      "createdAt": "2026-07-28T01:13:41.000Z",
      "updatedAt": "2026-07-28T01:13:41.000Z",
      "uid": "35240-9b2d72f4-b6d5-493e-8221-acf6ae816189"
    }
  ],
  "auth": {
    "type": "apikey",
    "apikey": [
      {
        "key": "key",
        "value": "X-API-Key",
        "type": "string"
      },
      {
        "key": "value",
        "value": "{{apiKey}}",
        "type": "string"
      },
      {
        "key": "in",
        "value": "header",
        "type": "string"
      }
    ]
  },
  "variable": [
    {
      "key": "baseUrl",
      "value": "https://api.bloomcredit.io/v1"
    }
  ]
}