> ## 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. # Update Tradeline > Update mutable fields of a tradeline. Fields that cannot be changed after creation include `consumer_id`, `payment_type`, and `account_opened_date`. At least one field must be provided. ## OpenAPI ````yaml PATCH /tradelines/{id} 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: /tradelines/{id}: patch: tags: - Tradelines summary: Update a tradeline description: > Update mutable fields of a tradeline. Fields that cannot be changed after creation include `consumer_id`, `payment_type`, and `account_opened_date`. At least one field must be provided. operationId: updateTradeline parameters: - $ref: '#/components/parameters/id' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/TradelineUpdate' example: credit_limit: 500000 ecoa_code: joint responses: '200': description: Tradeline updated content: application/json: schema: $ref: '#/components/schemas/Tradeline' '400': $ref: '#/components/responses/ValidationError' '401': $ref: '#/components/responses/AuthenticationError' '404': $ref: '#/components/responses/NotFoundError' '500': $ref: '#/components/responses/InternalError' components: parameters: id: name: id in: path required: true description: Resource UUID schema: type: string format: uuid schemas: TradelineUpdate: type: object description: >- All fields optional. Cannot change: consumer_id, payment_type, account_opened_date. properties: payment_type_label: type: string maxLength: 255 nullable: true credit_limit: type: integer nullable: true description: In cents highest_balance: type: integer nullable: true description: In cents ecoa_code: $ref: '#/components/schemas/EcoaCode' report_to_bureaus: type: array items: type: string enum: - equifax - transunion - experian is_active: type: boolean account_closed_date: type: string format: date nullable: true Tradeline: type: object properties: id: type: string format: uuid consumer_id: type: string format: uuid partner_id: type: string format: uuid payment_type: $ref: '#/components/schemas/PaymentType' payment_type_label: type: string nullable: true external_account_id: type: string nullable: true account_opened_date: type: string format: date account_closed_date: type: string format: date nullable: true payment_amount: type: integer description: In cents payment_frequency: type: string credit_limit: type: integer nullable: true description: In cents highest_balance: type: integer nullable: true description: In cents original_loan_amount: type: integer nullable: true description: In cents account_status: $ref: '#/components/schemas/AccountStatus' current_balance: type: integer description: In cents amount_past_due: type: integer description: In cents ecoa_code: type: string metro2_account_type: type: string payment_history: type: string description: >- 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: type: string format: date nullable: true description: Set on first non-current payment report_to_bureaus: type: array items: type: string is_active: type: boolean created_at: type: string format: date-time updated_at: type: string format: date-time EcoaCode: type: string description: Equal Credit Opportunity Act designation enum: - individual - joint - cosigner - authorized_user - terminated - maker PaymentType: type: string description: Type of recurring payment being reported enum: - rent - child_support - alimony - utility - medical - insurance - subscription - bill_pay - loan - education - dependent_care - shared_expenses - custom AccountStatus: type: string description: >- Current status of the tradeline account (auto-computed from payment reports) enum: - current - late_30 - late_60 - late_90 - late_120 - late_150 - late_180_plus - paid_in_full - closed - transferred - account_in_dispute 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_` (production) or `sk_test_` (sandbox). Contact Cove to obtain your API key. ````