> ## Documentation Index
> Fetch the complete documentation index at: https://help.mytruv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Get Credit Snapshot

> Get the credit report snapshot for the authenticated user.

Resolves the user's connected credit link and returns the latest credit
snapshot, with the full credit profile in ``payload``. Returns 404 if the
user has no credit link.



## OpenAPI

````yaml GET /v1/credit/snapshot
openapi: 3.1.0
info:
  title: MyTruv API
  description: >
    Read-only API for personal access token (PAT) users.


    ## Authentication


    Authenticate with `Authorization: Bearer <token>`. Tokens have a `pat_`
    prefix

    and are generated in the Truv web app under Settings → API keys.


    ## Available Endpoints


    This API exposes a subset of read-only endpoints for retrieving financial
    data,

    account links, and user profile information.
  version: 1.0.0
servers:
  - url: https://api.mytruv.com
    description: Production
security:
  - BearerAuth: []
tags:
  - name: users
    description: User profile — read-only access to the authenticated user's profile.
  - name: financial-data
    description: >-
      Financial data — balances, transactions, income, spending, liabilities,
      and balance history.
  - name: links
    description: >-
      Account links — list connected financial institutions and payroll
      providers.
paths:
  /v1/credit/snapshot:
    get:
      tags:
        - financial-data
      summary: Get Credit Snapshot Endpoint
      description: >-
        Get the credit report snapshot for the authenticated user.


        Resolves the user's connected credit link and returns the latest credit

        snapshot, with the full credit profile in ``payload``. Returns 404 if
        the

        user has no credit link.
      operationId: getCreditSnapshot
      responses:
        '200':
          description: Credit report snapshot for the connected credit link.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreditSnapshotItem'
        '404':
          description: Resource not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
components:
  schemas:
    CreditSnapshotItem:
      properties:
        snapshot_id:
          type: string
          title: Snapshot Id
        created_at:
          type: string
          format: date-time
          title: Created At
        credit_score:
          title: Credit Score
          type:
            - integer
            - 'null'
        credit_score_model:
          type: string
          title: Credit Score Model
        payload:
          additionalProperties: true
          type: object
          title: Payload
          description: Credit profile trimmed to the relevant fields.
      type: object
      required:
        - snapshot_id
        - created_at
        - credit_score
        - credit_score_model
        - payload
      title: CreditSnapshotItem
      description: One stored credit profile snapshot.
    ErrorDetail:
      properties:
        detail:
          type: string
          title: Detail
          description: Human-readable error message.
          examples:
            - Link not found
      type: object
      required:
        - detail
      title: ErrorDetail
      description: Standard error response returned by the API for 4xx and 5xx errors.
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: PAT
      description: >-
        Bearer authentication with a personal access token (prefix `pat_`).
        Generate tokens in the Truv web app under Settings → API keys.

````