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POST
Create a tradeline

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,
education,
dependent_care,
shared_expenses,
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,
education,
dependent_care,
shared_expenses,
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>