Probability of default from score API

Map a 300-850 credit score to a 1-year probability of default via a calibrated logistic curve PD = 1/(1+exp(k·(score-midpoint))) (default midpoint 575, steepness 0.018), returning PD, PD%, and a prime/near-prime/subprime/deep-subprime risk band. Answers 'probability of default for this credit score','PD from FICO','default odds for a 720 score'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-pd-score

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditpdprobability-of-defaultficologisticrisk-bandunderwriting

API URLhttps://x402.hexl.dev/v1/score/credit-pd-score

Integration docs

Example request

{
  "creditScore": 720
}

Example response

{
  "model": "PD from credit score (logistic)",
  "creditScore": 720,
  "probabilityOfDefault": 0.0685,
  "probabilityOfDefaultPct": 6.85,
  "riskBand": "near-prime",
  "parameters": {
    "midpoint": 575,
    "steepness": 0.018
  },
  "interpretation": "Approx 6.8% 1-year default probability (near-prime)."
}

Input schema

{
  "type": "object",
  "required": [
    "creditScore"
  ],
  "properties": {
    "creditScore": {
      "type": "number",
      "description": "Credit score in [300,850]",
      "examples": [
        720
      ]
    },
    "midpoint": {
      "type": "number",
      "description": "Logistic midpoint score",
      "default": 575,
      "examples": [
        575
      ]
    },
    "steepness": {
      "type": "number",
      "description": "Logistic steepness k",
      "default": 0.018,
      "examples": [
        0.018
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}