curl --request POST \
--url https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines \
--header 'Content-Type: application/json' \
--header 'x-api-key: <api-key>' \
--data '
{
"consumer_id": "550e8400-e29b-41d4-a716-446655440000",
"payment_type": "child_support",
"payment_type_label": "Court Order #CS-2024-5678",
"account_opened_date": "2025-01-01",
"payment_amount": 150000,
"payment_frequency": "monthly",
"ecoa_code": "individual",
"metro2_account_type": "installment",
"report_to_bureaus": [
"equifax",
"transunion",
"experian"
]
}
'import requests
url = "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines"
payload = {
"consumer_id": "550e8400-e29b-41d4-a716-446655440000",
"payment_type": "child_support",
"payment_type_label": "Court Order #CS-2024-5678",
"account_opened_date": "2025-01-01",
"payment_amount": 150000,
"payment_frequency": "monthly",
"ecoa_code": "individual",
"metro2_account_type": "installment",
"report_to_bureaus": ["equifax", "transunion", "experian"]
}
headers = {
"x-api-key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
consumer_id: '550e8400-e29b-41d4-a716-446655440000',
payment_type: 'child_support',
payment_type_label: 'Court Order #CS-2024-5678',
account_opened_date: '2025-01-01',
payment_amount: 150000,
payment_frequency: 'monthly',
ecoa_code: 'individual',
metro2_account_type: 'installment',
report_to_bureaus: ['equifax', 'transunion', 'experian']
})
};
fetch('https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'consumer_id' => '550e8400-e29b-41d4-a716-446655440000',
'payment_type' => 'child_support',
'payment_type_label' => 'Court Order #CS-2024-5678',
'account_opened_date' => '2025-01-01',
'payment_amount' => 150000,
'payment_frequency' => 'monthly',
'ecoa_code' => 'individual',
'metro2_account_type' => 'installment',
'report_to_bureaus' => [
'equifax',
'transunion',
'experian'
]
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-api-key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines"
payload := strings.NewReader("{\n \"consumer_id\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"payment_type\": \"child_support\",\n \"payment_type_label\": \"Court Order #CS-2024-5678\",\n \"account_opened_date\": \"2025-01-01\",\n \"payment_amount\": 150000,\n \"payment_frequency\": \"monthly\",\n \"ecoa_code\": \"individual\",\n \"metro2_account_type\": \"installment\",\n \"report_to_bureaus\": [\n \"equifax\",\n \"transunion\",\n \"experian\"\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-api-key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines")
.header("x-api-key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"consumer_id\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"payment_type\": \"child_support\",\n \"payment_type_label\": \"Court Order #CS-2024-5678\",\n \"account_opened_date\": \"2025-01-01\",\n \"payment_amount\": 150000,\n \"payment_frequency\": \"monthly\",\n \"ecoa_code\": \"individual\",\n \"metro2_account_type\": \"installment\",\n \"report_to_bureaus\": [\n \"equifax\",\n \"transunion\",\n \"experian\"\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"consumer_id\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"payment_type\": \"child_support\",\n \"payment_type_label\": \"Court Order #CS-2024-5678\",\n \"account_opened_date\": \"2025-01-01\",\n \"payment_amount\": 150000,\n \"payment_frequency\": \"monthly\",\n \"ecoa_code\": \"individual\",\n \"metro2_account_type\": \"installment\",\n \"report_to_bureaus\": [\n \"equifax\",\n \"transunion\",\n \"experian\"\n ]\n}"
response = http.request(request)
puts response.read_body{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"consumer_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"partner_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"payment_type": "rent",
"payment_type_label": "<string>",
"external_account_id": "<string>",
"account_opened_date": "2023-12-25",
"account_closed_date": "2023-12-25",
"payment_amount": 123,
"payment_frequency": "<string>",
"credit_limit": 123,
"highest_balance": 123,
"original_loan_amount": 123,
"account_status": "current",
"current_balance": 123,
"amount_past_due": 123,
"ecoa_code": "<string>",
"metro2_account_type": "<string>",
"payment_history": "<string>",
"date_of_first_delinquency": "2023-12-25",
"report_to_bureaus": [
"<string>"
],
"is_active": true,
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z"
}{
"error": {
"code": "VALIDATION_ERROR",
"message": "payment_amount must be a positive integer (cents)",
"field": "payment_amount",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "AUTHENTICATION_ERROR",
"message": "Missing x-api-key header",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "AUTHORIZATION_ERROR",
"message": "Payment type 'child_support' is not enabled for this partner",
"field": "payment_type",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "NOT_FOUND",
"message": "Consumer not found",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "INTERNAL_ERROR",
"message": "An unexpected error occurred",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}Create Tradeline
Create a tradeline (ongoing payment obligation) for a consumer.
The consumer_id must reference a non-deleted consumer belonging to this partner.
The payment_type must be in the partner’s enabled_payment_types list (if configured).
The tradeline starts with account_status: "current", current_balance: 0,
and an empty payment_history string.
curl --request POST \
--url https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines \
--header 'Content-Type: application/json' \
--header 'x-api-key: <api-key>' \
--data '
{
"consumer_id": "550e8400-e29b-41d4-a716-446655440000",
"payment_type": "child_support",
"payment_type_label": "Court Order #CS-2024-5678",
"account_opened_date": "2025-01-01",
"payment_amount": 150000,
"payment_frequency": "monthly",
"ecoa_code": "individual",
"metro2_account_type": "installment",
"report_to_bureaus": [
"equifax",
"transunion",
"experian"
]
}
'import requests
url = "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines"
payload = {
"consumer_id": "550e8400-e29b-41d4-a716-446655440000",
"payment_type": "child_support",
"payment_type_label": "Court Order #CS-2024-5678",
"account_opened_date": "2025-01-01",
"payment_amount": 150000,
"payment_frequency": "monthly",
"ecoa_code": "individual",
"metro2_account_type": "installment",
"report_to_bureaus": ["equifax", "transunion", "experian"]
}
headers = {
"x-api-key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
consumer_id: '550e8400-e29b-41d4-a716-446655440000',
payment_type: 'child_support',
payment_type_label: 'Court Order #CS-2024-5678',
account_opened_date: '2025-01-01',
payment_amount: 150000,
payment_frequency: 'monthly',
ecoa_code: 'individual',
metro2_account_type: 'installment',
report_to_bureaus: ['equifax', 'transunion', 'experian']
})
};
fetch('https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'consumer_id' => '550e8400-e29b-41d4-a716-446655440000',
'payment_type' => 'child_support',
'payment_type_label' => 'Court Order #CS-2024-5678',
'account_opened_date' => '2025-01-01',
'payment_amount' => 150000,
'payment_frequency' => 'monthly',
'ecoa_code' => 'individual',
'metro2_account_type' => 'installment',
'report_to_bureaus' => [
'equifax',
'transunion',
'experian'
]
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-api-key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines"
payload := strings.NewReader("{\n \"consumer_id\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"payment_type\": \"child_support\",\n \"payment_type_label\": \"Court Order #CS-2024-5678\",\n \"account_opened_date\": \"2025-01-01\",\n \"payment_amount\": 150000,\n \"payment_frequency\": \"monthly\",\n \"ecoa_code\": \"individual\",\n \"metro2_account_type\": \"installment\",\n \"report_to_bureaus\": [\n \"equifax\",\n \"transunion\",\n \"experian\"\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-api-key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines")
.header("x-api-key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"consumer_id\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"payment_type\": \"child_support\",\n \"payment_type_label\": \"Court Order #CS-2024-5678\",\n \"account_opened_date\": \"2025-01-01\",\n \"payment_amount\": 150000,\n \"payment_frequency\": \"monthly\",\n \"ecoa_code\": \"individual\",\n \"metro2_account_type\": \"installment\",\n \"report_to_bureaus\": [\n \"equifax\",\n \"transunion\",\n \"experian\"\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://vvdufluovypptsnkihyv.supabase.co/functions/v1/tradelines")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-api-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"consumer_id\": \"550e8400-e29b-41d4-a716-446655440000\",\n \"payment_type\": \"child_support\",\n \"payment_type_label\": \"Court Order #CS-2024-5678\",\n \"account_opened_date\": \"2025-01-01\",\n \"payment_amount\": 150000,\n \"payment_frequency\": \"monthly\",\n \"ecoa_code\": \"individual\",\n \"metro2_account_type\": \"installment\",\n \"report_to_bureaus\": [\n \"equifax\",\n \"transunion\",\n \"experian\"\n ]\n}"
response = http.request(request)
puts response.read_body{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"consumer_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"partner_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"payment_type": "rent",
"payment_type_label": "<string>",
"external_account_id": "<string>",
"account_opened_date": "2023-12-25",
"account_closed_date": "2023-12-25",
"payment_amount": 123,
"payment_frequency": "<string>",
"credit_limit": 123,
"highest_balance": 123,
"original_loan_amount": 123,
"account_status": "current",
"current_balance": 123,
"amount_past_due": 123,
"ecoa_code": "<string>",
"metro2_account_type": "<string>",
"payment_history": "<string>",
"date_of_first_delinquency": "2023-12-25",
"report_to_bureaus": [
"<string>"
],
"is_active": true,
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z"
}{
"error": {
"code": "VALIDATION_ERROR",
"message": "payment_amount must be a positive integer (cents)",
"field": "payment_amount",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "AUTHENTICATION_ERROR",
"message": "Missing x-api-key header",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "AUTHORIZATION_ERROR",
"message": "Payment type 'child_support' is not enabled for this partner",
"field": "payment_type",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "NOT_FOUND",
"message": "Consumer not found",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}{
"error": {
"code": "INTERNAL_ERROR",
"message": "An unexpected error occurred",
"request_id": "4e9024e3-125d-4d08-a392-4fa34f6bda44"
}
}Authorizations
API key in the format sk_live_<token> (production) or sk_test_<token> (sandbox).
Contact Cove to obtain your API key.
Body
Type of recurring payment being reported
rent, child_support, alimony, utility, medical, insurance, subscription, bill_pay, loan, education, dependent_care, shared_expenses, custom Monthly expected payment in cents
x >= 1Human-readable label (e.g., "Court Order #CS-2024-5678")
255Your internal account/case ID
255How often payments are expected
weekly, biweekly, monthly, quarterly, annually In cents
In cents
In cents (for installment accounts)
Equal Credit Opportunity Act designation
individual, joint, cosigner, authorized_user, terminated, maker Metro 2 account type classification
revolving, open, installment, mortgage, line_of_credit equifax, transunion, experian Response
Tradeline created
Type of recurring payment being reported
rent, child_support, alimony, utility, medical, insurance, subscription, bill_pay, loan, education, dependent_care, shared_expenses, custom In cents
In cents
In cents
In cents
Current status of the tradeline account (auto-computed from payment reports)
current, late_30, late_60, late_90, late_120, late_150, late_180_plus, paid_in_full, closed, transferred, account_in_dispute In cents
In cents
24-char Metro 2 payment history (newest first). 0=current, 1=30d, 2=60d, 3=90d, 4=120d, 5=150d, 6=180d+
Set on first non-current payment