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

# Trigger Submission

> Manually trigger bureau submission for a specific tradeline. Intended for
partners with `submission_frequency = "on_demand"`.

The tradeline must be active and have at least one unreported payment.
Creates one pending submission per configured bureau and returns 202.




## OpenAPI

````yaml POST /submit
openapi: 3.0.3
info:
  title: Cove Data Furnishing API
  description: >
    A generic data furnishing API that accepts any recurring payment type

    (rent, child support, alimony, utilities, etc.) and reports it to credit

    bureaus (Equifax, TransUnion, Experian) in Metro 2 format.


    ## Authentication

    All requests require an `x-api-key` header with a valid API key.

    - `sk_live_*` keys operate in production mode.

    - `sk_test_*` keys operate in sandbox mode (data is created but never
    reaches bureaus).


    ## Amounts

    All monetary amounts are in **cents** (USD integers). For example, $45.00 =
    `4500`.


    ## Dates

    All date fields use `YYYY-MM-DD` format.


    ## Integration Guide

    For a full walkthrough with curl examples, see the

    [Integration Guide](./integration-guide.md).
  version: 1.0.0
  contact:
    name: Cove
    url: https://cove.dev
  license:
    name: Proprietary
    url: https://cove.dev/terms
servers:
  - url: https://vvdufluovypptsnkihyv.supabase.co/functions/v1
    description: Current deployment (Supabase)
  - url: https://furnish.cove.dev/v1
    description: Production (coming soon)
  - url: https://sandbox-furnish.cove.dev/v1
    description: Sandbox (coming soon)
security:
  - ApiKeyAuth: []
tags:
  - name: Consumers
    description: >-
      Manage consumer records (PII). Consumers represent the individuals whose
      payments are being reported to credit bureaus.
  - name: Tradelines
    description: >-
      Manage tradelines — ongoing payment obligations being reported to credit
      bureaus. Each tradeline belongs to a consumer and tracks a specific
      payment type.
  - name: Payments
    description: >-
      Report monthly payments against tradelines. Each payment automatically
      updates the tradeline's account status, balance, and 24-month payment
      history.
  - name: Submissions
    description: >-
      Track and manage bureau submission status. Submissions are created
      automatically or via manual trigger.
  - name: Webhooks
    description: Webhook event types and payloads delivered to your configured webhook URL.
paths:
  /submit:
    post:
      tags:
        - Submissions
      summary: Trigger bureau submission
      description: >
        Manually trigger bureau submission for a specific tradeline. Intended
        for

        partners with `submission_frequency = "on_demand"`.


        The tradeline must be active and have at least one unreported payment.

        Creates one pending submission per configured bureau and returns 202.
      operationId: triggerSubmission
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - tradeline_id
              properties:
                tradeline_id:
                  type: string
                  format: uuid
                  description: The tradeline to submit to bureaus
            example:
              tradeline_id: 660e8400-e29b-41d4-a716-446655440001
      responses:
        '202':
          description: Submission queued
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SubmitResponse'
              example:
                message: Submission queued
                tradeline_id: 660e8400-e29b-41d4-a716-446655440001
                submissions:
                  - id: 990e8400-e29b-41d4-a716-446655440010
                    tradeline_id: 660e8400-e29b-41d4-a716-446655440001
                    bureau: equifax
                    status: pending
                    submission_date: '2026-02-16'
                  - id: 990e8400-e29b-41d4-a716-446655440011
                    tradeline_id: 660e8400-e29b-41d4-a716-446655440001
                    bureau: transunion
                    status: pending
                    submission_date: '2026-02-16'
                  - id: 990e8400-e29b-41d4-a716-446655440012
                    tradeline_id: 660e8400-e29b-41d4-a716-446655440001
                    bureau: experian
                    status: pending
                    submission_date: '2026-02-16'
        '400':
          $ref: '#/components/responses/ValidationError'
        '401':
          $ref: '#/components/responses/AuthenticationError'
        '404':
          $ref: '#/components/responses/NotFoundError'
        '500':
          $ref: '#/components/responses/InternalError'
components:
  schemas:
    SubmitResponse:
      type: object
      properties:
        message:
          type: string
        tradeline_id:
          type: string
          format: uuid
        submissions:
          type: array
          items:
            type: object
            properties:
              id:
                type: string
                format: uuid
              tradeline_id:
                type: string
                format: uuid
              bureau:
                type: string
                enum:
                  - equifax
                  - transunion
                  - experian
              status:
                type: string
              submission_date:
                type: string
                format: date
    Error:
      type: object
      properties:
        error:
          type: object
          required:
            - code
            - message
            - request_id
          properties:
            code:
              type: string
              enum:
                - VALIDATION_ERROR
                - AUTHENTICATION_ERROR
                - AUTHORIZATION_ERROR
                - NOT_FOUND
                - CONFLICT
                - RATE_LIMITED
                - INTERNAL_ERROR
            message:
              type: string
              description: Human-readable error description
            field:
              type: string
              description: >-
                Dot-notation path to the field that caused the error (e.g.,
                address.state). Only present when a specific field is
                responsible.
            request_id:
              type: string
              format: uuid
  responses:
    ValidationError:
      description: Validation error (400)
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          example:
            error:
              code: VALIDATION_ERROR
              message: payment_amount must be a positive integer (cents)
              field: payment_amount
              request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44
    AuthenticationError:
      description: Authentication error (401)
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          example:
            error:
              code: AUTHENTICATION_ERROR
              message: Missing x-api-key header
              request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44
    NotFoundError:
      description: Resource not found (404)
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          example:
            error:
              code: NOT_FOUND
              message: Consumer not found
              request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44
    InternalError:
      description: Internal server error (500)
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
          example:
            error:
              code: INTERNAL_ERROR
              message: An unexpected error occurred
              request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: x-api-key
      description: >
        API key in the format `sk_live_<token>` (production) or
        `sk_test_<token>` (sandbox).

        Contact Cove to obtain your API key.

````