Credit Profiling

Overview

Credit Profiling scores a customer's creditworthiness from the accounts they have linked. You describe the financing being considered — amount, term, rate and purpose — and the assessment judges whether the customer can support it. The scoring model is configurable: you can reweight the factors, redraw the score bands, or switch individual factors off, and the factor set changes depending on whether you are assessing a retail or a corporate customer.

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Prerequisites

• Authentication: Obtain an access token using the Client Credentials flow (see Getting Started → Authentication). Use scope credit_profile_assessment when generating the token.
• Open Banking Prerequisites: Create an Accounts Link for the target institution and keep the resulting AccountsLinkId (see Getting Started → Open Banking Prerequisites).
• Subscription: Subscribe to Credit Profiling in your chosen environment.

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Endpoints

Both endpoints run the same assessment and take the same body. They differ only in what comes back.