Skip to main content

​
What is Cove?

The Cove Data Furnishing API lets you report recurring payments — rent, child support, alimony, utilities, and more — to the three major credit bureaus (Equifax, TransUnion, Experian) in Metro 2 format. Your integration flow:
  1. Register consumers (PII)
  2. Create tradelines (payment obligations)
  3. Report monthly payments
  4. Cove generates Metro 2 files and submits to bureaus

Quick Start

Go from zero to a reported payment in 4 steps.

API Reference

Full endpoint documentation with interactive playground.

Authentication

API key format, sandbox vs production, and error handling.

Webhooks

Receive real-time notifications for bureau submission updates.

​
Key concepts

Consumers

Individuals whose payments are reported to credit bureaus.

Tradelines

Ongoing payment obligations (rent, child support, etc.).

Payments

Monthly payment records that update tradeline status.

​
Conventions

  • Amounts are in cents (USD integers). $45.00 = 4500.
  • Dates use YYYY-MM-DD format.
  • IDs are UUIDs.
  • Content-Type is always application/json.