> ## 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.

# Cove Data Furnishing API

> Report recurring payments to credit bureaus in Metro 2 format

## What is Cove?

The Cove Data Furnishing API lets you report recurring payments — rent, child support, alimony, utilities, and more — to the three major credit bureaus (Equifax, TransUnion, Experian) in Metro 2 format.

**Your integration flow:**

1. Register consumers (PII)
2. Create tradelines (payment obligations)
3. Report monthly payments
4. Cove generates Metro 2 files and submits to bureaus

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/quickstart">
    Go from zero to a reported payment in 4 steps.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/introduction">
    Full endpoint documentation with interactive playground.
  </Card>

  <Card title="Authentication" icon="key" href="/guides/authentication">
    API key format, sandbox vs production, and error handling.
  </Card>

  <Card title="Webhooks" icon="bell" href="/guides/webhooks">
    Receive real-time notifications for bureau submission updates.
  </Card>
</CardGroup>

## Key concepts

<CardGroup cols={3}>
  <Card title="Consumers" icon="user" href="/guides/consumers">
    Individuals whose payments are reported to credit bureaus.
  </Card>

  <Card title="Tradelines" icon="file-invoice" href="/guides/tradelines">
    Ongoing payment obligations (rent, child support, etc.).
  </Card>

  <Card title="Payments" icon="credit-card" href="/guides/payments">
    Monthly payment records that update tradeline status.
  </Card>
</CardGroup>

## Conventions

* **Amounts** are in **cents** (USD integers). `$45.00` = `4500`.
* **Dates** use `YYYY-MM-DD` format.
* **IDs** are UUIDs.
* **Content-Type** is always `application/json`.