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skills/credit/SKILL.md
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skills/credit/SKILL.md
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---
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name: credit-routes
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description: Handle 22 OpenAPI operation(s) under /credit for the credit route group.
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---
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# credit API Routes
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Handle 22 OpenAPI operation(s) under /credit for the credit route group.
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Use the generated operation tools to make real API calls. Do not invent API responses.
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If a tool reports missing setup, return the exact setup field name to the caller.
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For write, update, or delete operations, state the intended action before calling the tool.
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## Operations
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### credit_audit_copy_token_update
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- Operation ID: `credit_audit_copy_token_update`
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- Route: `POST /credit/audit_copy_token/update`
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- Mode: WRITE
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- Summary: Update an Audit Copy Token
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- Body: JSON request body accepted.
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### credit_sessions_get
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- Operation ID: `credit_sessions_get`
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- Route: `POST /credit/sessions/get`
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- Mode: WRITE
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- Summary: Retrieve Link sessions for your user
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- Body: JSON request body accepted.
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### credit_audit_copy_token_create
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- Operation ID: `credit_audit_copy_token_create`
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- Route: `POST /credit/audit_copy_token/create`
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- Mode: WRITE
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- Summary: Create Asset or Income Report Audit Copy Token
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- Body: JSON request body accepted.
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### credit_report_audit_copy_remove
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- Operation ID: `credit_report_audit_copy_remove`
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- Route: `POST /credit/audit_copy_token/remove`
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- Mode: WRITE
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- Summary: Remove an Audit Copy token
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- Body: JSON request body accepted.
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### credit_asset_report_freddie_mac_get
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- Operation ID: `credit_asset_report_freddie_mac_get`
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- Route: `POST /credit/asset_report/freddie_mac/get`
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- Mode: WRITE
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- Summary: Retrieve an Asset Report with Freddie Mac format. Only Freddie Mac can use this endpoint.
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- Body: JSON request body accepted.
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### credit_freddie_mac_reports_get
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- Operation ID: `credit_freddie_mac_reports_get`
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- Route: `POST /credit/freddie_mac/reports/get`
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- Mode: WRITE
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- Summary: Retrieve an Asset Report with Freddie Mac format (aka VOA - Verification Of Assets), and a Verification Of Employment (VOE) report if this one is available. Only Freddie Mac can use this endpoint.
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- Body: JSON request body accepted.
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### credit_bank_income_get
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- Operation ID: `credit_bank_income_get`
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- Route: `POST /credit/bank_income/get`
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- Mode: WRITE
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- Summary: Retrieve information from the bank accounts used for income verification
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- Body: JSON request body accepted.
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### credit_bank_income_pdf_get
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- Operation ID: `credit_bank_income_pdf_get`
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- Route: `POST /credit/bank_income/pdf/get`
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- Mode: WRITE
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- Summary: Retrieve information from the bank accounts used for income verification in PDF format
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- Body: JSON request body accepted.
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### credit_bank_income_refresh
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- Operation ID: `credit_bank_income_refresh`
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- Route: `POST /credit/bank_income/refresh`
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- Mode: WRITE
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- Summary: Refresh a user's bank income information
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- Body: JSON request body accepted.
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### credit_bank_income_webhook_update
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- Operation ID: `credit_bank_income_webhook_update`
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- Route: `POST /credit/bank_income/webhook/update`
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- Mode: WRITE
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- Summary: Subscribe and unsubscribe to proactive notifications for a user's income profile
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- Body: JSON request body accepted.
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### credit_payroll_income_parsing_config_update
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- Operation ID: `credit_payroll_income_parsing_config_update`
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- Route: `POST /credit/payroll_income/parsing_config/update`
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- Mode: WRITE
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- Summary: Update the parsing configuration for a document income verification
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- Body: JSON request body accepted.
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### credit_bank_statements_uploads_get
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- Operation ID: `credit_bank_statements_uploads_get`
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- Route: `POST /credit/bank_statements/uploads/get`
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- Mode: WRITE
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- Summary: Retrieve data for a user's uploaded bank statements
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- Body: JSON request body accepted.
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### credit_payroll_income_get
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- Operation ID: `credit_payroll_income_get`
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- Route: `POST /credit/payroll_income/get`
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- Mode: WRITE
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- Summary: Retrieve a user's payroll information
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- Body: JSON request body accepted.
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### credit_payroll_income_risk_signals_get
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- Operation ID: `credit_payroll_income_risk_signals_get`
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- Route: `POST /credit/payroll_income/risk_signals/get`
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- Mode: WRITE
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- Summary: Retrieve fraud insights for a user's manually uploaded document(s).
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- Body: JSON request body accepted.
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### credit_payroll_income_precheck
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- Operation ID: `credit_payroll_income_precheck`
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- Route: `POST /credit/payroll_income/precheck`
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- Mode: WRITE
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- Summary: Check income verification eligibility and optimize conversion
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- Body: JSON request body accepted.
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### credit_employment_get
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- Operation ID: `credit_employment_get`
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- Route: `POST /credit/employment/get`
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- Mode: WRITE
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- Summary: Retrieve a summary of an individual's employment information
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- Body: JSON request body accepted.
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### credit_payroll_income_refresh
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- Operation ID: `credit_payroll_income_refresh`
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- Route: `POST /credit/payroll_income/refresh`
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- Mode: WRITE
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- Summary: Refresh a digital payroll income verification
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- Body: JSON request body accepted.
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### credit_relay_create
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- Operation ID: `credit_relay_create`
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- Route: `POST /credit/relay/create`
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- Mode: WRITE
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- Summary: Create a relay token to share an Asset Report with a partner client
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- Body: JSON request body accepted.
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### credit_relay_get
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- Operation ID: `credit_relay_get`
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- Route: `POST /credit/relay/get`
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- Mode: WRITE
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- Summary: Retrieve the reports associated with a relay token that was shared with you
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- Body: JSON request body accepted.
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### credit_relay_pdf_get
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- Operation ID: `credit_relay_pdf_get`
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- Route: `POST /credit/relay/pdf/get`
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- Mode: WRITE
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- Summary: Retrieve the pdf reports associated with a relay token that was shared with you (beta)
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- Body: JSON request body accepted.
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### credit_relay_refresh
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- Operation ID: `credit_relay_refresh`
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- Route: `POST /credit/relay/refresh`
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- Mode: WRITE
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- Summary: Refresh a report of a relay token
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- Body: JSON request body accepted.
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### credit_relay_remove
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- Operation ID: `credit_relay_remove`
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- Route: `POST /credit/relay/remove`
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- Mode: WRITE
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- Summary: Remove relay token
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- Body: JSON request body accepted.
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