The Credit Snapshot object

A Credit Snapshot is one pull of the user’s credit report: the score and the report behind it. MyTruv stores a snapshot each time the report refreshes, so you can read the latest one or page through the history. Both endpoints need a connected credit history. Without one, Get Credit Snapshot returns 404 and List Credit Snapshots returns an empty list.

Attributes

Attribute	Type	Description
snapshot_id	string	Unique snapshot identifier
created_at	string	When the snapshot was taken (ISO 8601)
credit_score	integer	Credit score. May be null
credit_score_model	string	Scoring model, e.g. `VANTAGE_SCORE_3_0`
payload	object	The credit report, see Payload

Payload

The report as the credit bureau returns it, trimmed to the fields MyTruv uses. Personal details such as SSN, date of birth, addresses, phone number, and employment history are removed; the user’s first and last name are kept. Fields are camelCase and may vary by bureau.

Attribute	Type	Description
profile	object	`firstName`, `lastName`, `creditScore`, `model`, and `modelName`
creditReports	array of objects	One entry per report, see Credit report
creditCards	array of objects	Credit card accounts, see Accounts
autoLoans	array of objects	Auto loans
homeLoans	array of objects	Mortgages and home equity loans
personalLoans	array of objects	Personal loans
studentLoans	array of objects	Student loans
miscellaneousLiabilities	array of objects	Other accounts on the report

Credit report

Attribute	Type	Description
profile	object	Same shape as the top-level `profile`
creditScoreDetails	array of objects	Score, model, bureau, reported date, and `factors[]` (each `{code, description}`) explaining what affects the score
summary	object	Debt totals and account counts: secured, unsecured, and unsecured excluding student loans
creditAttributes	array of objects	Report statistics as `{description, value}` pairs, e.g. number of tradelines
inquiries	array of objects	Credit inquiries with inquirer name, date, and purpose
bankruptcies / collections / publicRecords	array of objects	Derogatory records, when present
sourceBureau	string	Bureau that supplied the report

Accounts

Every account array shares one shape:

Attribute	Type	Description
creditCardId / autoLoanId / homeLoanId / personalLoanId / studentLoanId / miscellaneousLiabilityId	string	Account identifier, named after its type
displayName	string	Account name
creditor	object	`originalName` and `industryType` of the lender
cardProfile (credit cards) / liabilityProfile (loans)	object	Account terms and status: open date, status, account rating, credit limit or loan amount, interest rate, derogatory and collection status, and `paymentHistory` when reported
balanceDetails	object	`outstandingBalance`
statementSummary	object	Latest statement: balance, minimum payment, due date, last payment date
aprs	array of objects	Credit cards only: `{rate, type, source}`
outstandingBalance / regularMonthlyPayment	number	Loans only: current balance and scheduled monthly payment

paymentHistory.details is the month-by-month grid from the report: one {date, code} entry per month, newest first, where code is the payment status the bureau reported for that month.

Pagination

List Credit Snapshots returns snapshots newest first, up to limit per page (1-100, default 100). When more remain, next holds the URL of the next, older page; follow it until it is null.

Attribute	Type	Description
snapshots	array of objects	Credit Snapshot objects
next	string	Relative URL of the next page, or null on the last page

Endpoints

Get credit snapshot - the latest snapshot
List credit snapshots - snapshot history

Example response

Get Credit Snapshot, with one credit card shown:

{
  "snapshot_id": "f69981bd36724c8597ce356ad1fe22ba",
  "created_at": "2026-09-22T12:04:50Z",
  "credit_score": 712,
  "credit_score_model": "VANTAGE_SCORE_3_0",
  "payload": {
    "profile": {
      "firstName": "Jane",
      "lastName": "Doe",
      "creditScore": 712,
      "model": "VANTAGE_SCORE_3_0",
      "modelName": "EquifaxVantageScore3.0"
    },
    "creditReports": [
      {
        "creditScoreDetails": [
          {
            "creditScore": 712,
            "model": "VANTAGE_SCORE_3_0",
            "sourceBureau": "Equifax",
            "reportedDate": "2026-09-22",
            "factors": [
              { "code": "4", "description": "The balances on your accounts are too high compared to loan amounts" }
            ]
          }
        ],
        "summary": {
          "totalSecuredDebtAmount": 18400,
          "totalUnsecuredDebtAmount": 3250.4
        },
        "inquiries": [],
        "sourceBureau": "Equifax"
      }
    ],
    "creditCards": [
      {
        "creditCardId": "c1a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6",
        "displayName": "Visa Signature",
        "creditor": { "originalName": "EXAMPLE BANK", "industryType": "National credit card companies" },
        "cardProfile": {
          "status": "OPEN",
          "creditLimit": 8000,
          "creditUtilization": 18.13,
          "paymentHistory": {
            "details": [
              { "date": "2026-08-01", "code": "0" },
              { "date": "2026-07-01", "code": "0" }
            ]
          }
        },
        "balanceDetails": { "outstandingBalance": 1450.2 },
        "statementSummary": {
          "statementBalance": 1450.2,
          "minimumPaymentAmount": 35,
          "dueDate": "2026-10-05"
        },
        "aprs": [{ "rate": 24.99, "type": "PURCHASE", "source": "DERIVED" }]
      }
    ],
    "autoLoans": [],
    "homeLoans": [],
    "personalLoans": [],
    "studentLoans": [],
    "miscellaneousLiabilities": []
  }
}

Overview

User

Balances

Transactions

Spending

Income

Recurring Transactions

Balance History

Liabilities

Credit

Account Links

The Credit Snapshot object

Attributes

Payload

Credit report

Accounts

Endpoints

Example response

​Attributes

​Payload

​Credit report

​Accounts

​Pagination

​Endpoints

​Example response

Attributes

Payload

Credit report

Accounts

Pagination

Endpoints

Example response