Composite creditworthiness score API

Compute a 0-100 composite borrower creditworthiness score with an A-F grade using a transparent FICO-weighted rubric (documented weights: payment history 35%, utilization 30% inverted, credit age 15%, credit mix 10%, recent inquiries 10% inverted), returning the score, grade, low/moderate/elevated/high risk rating, and per-factor contributions. Answers 'overall creditworthiness score','what grade is this borrower','FICO-style composite score'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-worthiness

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditcreditworthinessficorubricborrowerconsumerunderwriting

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

Integration docs

Example request

{
  "paymentHistory": 1,
  "utilization": 0.05,
  "creditAgeYears": 12,
  "creditMix": 0.9,
  "recentInquiries": 0
}

Example response

{
  "model": "Composite creditworthiness (FICO-weighted rubric)",
  "creditScore": 98,
  "grade": "A",
  "rating": "low-risk",
  "breakdown": [
    {
      "factor": "payment history",
      "value": 1,
      "weight": 0.35,
      "contribution": 35
    },
    {
      "factor": "utilization (inverted)",
      "value": 0.95,
      "weight": 0.3,
      "contribution": 28.5
    },
    {
      "factor": "credit age",
      "value": 1,
      "weight": 0.15,
      "contribution": 15
    },
    {
      "factor": "credit mix",
      "value": 0.9,
      "weight": 0.1,
      "contribution": 9
    },
    {
      "factor": "recent inquiries (inverted)",
      "value": 1,
      "weight": 0.1,
      "contribution": 10
    }
  ],
  "interpretation": "Borrower graded A (low-risk, 98/100)."
}

Input schema

{
  "type": "object",
  "required": [
    "paymentHistory",
    "utilization",
    "creditAgeYears",
    "creditMix",
    "recentInquiries"
  ],
  "properties": {
    "paymentHistory": {
      "type": "number",
      "description": "Fraction of on-time payments [0,1]",
      "examples": [
        1
      ]
    },
    "utilization": {
      "type": "number",
      "description": "Revolving utilization (decimal, e.g. 0.05)",
      "examples": [
        0.05
      ]
    },
    "creditAgeYears": {
      "type": "number",
      "description": "Average age of accounts in years",
      "examples": [
        12
      ]
    },
    "creditMix": {
      "type": "number",
      "description": "Credit-mix diversity [0,1]",
      "examples": [
        0.9
      ]
    },
    "recentInquiries": {
      "type": "number",
      "description": "Hard inquiries in last 12 months",
      "examples": [
        0
      ]
    }
  }
}

Output schema

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