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POST
/
tradelines
Create a tradeline
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"
  ]
}
'
{
  "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"
}

Authorizations

​
x-api-key
string
header
required

API key in the format sk_live_<token> (production) or sk_test_<token> (sandbox). Contact Cove to obtain your API key.

Body

application/json
​
consumer_id
string<uuid>
required
​
payment_type
enum<string>
required

Type of recurring payment being reported

Available options:
rent,
child_support,
alimony,
utility,
medical,
insurance,
subscription,
bill_pay,
loan,
custom
​
account_opened_date
string<date>
required
​
payment_amount
integer
required

Monthly expected payment in cents

Required range: x >= 1
​
payment_type_label
string | null

Human-readable label (e.g., "Court Order #CS-2024-5678")

Maximum string length: 255
​
external_account_id
string | null

Your internal account/case ID

Maximum string length: 255
​
payment_frequency
enum<string>
default:monthly

How often payments are expected

Available options:
weekly,
biweekly,
monthly,
quarterly,
annually
​
credit_limit
integer | null

In cents

​
highest_balance
integer | null

In cents

​
original_loan_amount
integer | null

In cents (for installment accounts)

​
ecoa_code
enum<string>
default:individual

Equal Credit Opportunity Act designation

Available options:
individual,
joint,
cosigner,
authorized_user,
terminated,
maker
​
metro2_account_type
enum<string>
default:revolving

Metro 2 account type classification

Available options:
revolving,
open,
installment,
mortgage,
line_of_credit
​
report_to_bureaus
enum<string>[]
Available options:
equifax,
transunion,
experian

Response

Tradeline created

​
id
string<uuid>
​
consumer_id
string<uuid>
​
partner_id
string<uuid>
​
payment_type
enum<string>

Type of recurring payment being reported

Available options:
rent,
child_support,
alimony,
utility,
medical,
insurance,
subscription,
bill_pay,
loan,
custom
​
payment_type_label
string | null
​
external_account_id
string | null
​
account_opened_date
string<date>
​
account_closed_date
string<date> | null
​
payment_amount
integer

In cents

​
payment_frequency
string
​
credit_limit
integer | null

In cents

​
highest_balance
integer | null

In cents

​
original_loan_amount
integer | null

In cents

​
account_status
enum<string>

Current status of the tradeline account (auto-computed from payment reports)

Available options:
current,
late_30,
late_60,
late_90,
late_120,
late_150,
late_180_plus,
paid_in_full,
closed,
transferred,
account_in_dispute
​
current_balance
integer

In cents

​
amount_past_due
integer

In cents

​
ecoa_code
string
​
metro2_account_type
string
​
payment_history
string

24-char Metro 2 payment history (newest first). 0=current, 1=30d, 2=60d, 3=90d, 4=120d, 5=150d, 6=180d+

​
date_of_first_delinquency
string<date> | null

Set on first non-current payment

​
report_to_bureaus
string[]
​
is_active
boolean
​
created_at
string<date-time>
​
updated_at
string<date-time>