Data Guide – Credit Building
Utility data for credit building decisioning is designed to show the transaction history for an end user’s utility accounts. It contains statements and payments made over the term of the account and also continues to monitor accounts and collect new statements and payments information when it becomes available.
Data Structure
The data model has 3 levels:
- Credentials: the credentials used to connect an end-user’s utility account(s).
- Accounts: distinct tradelines within the end-user’s utility credential.
- Statements and Payments: distinct transactions for a specific account.
- Statement: invoices issued by the utility
- Payment: payments made by the account owner to their utility. Each level has a one-to-many relationship with the level beneath it.
Statements
| Billing Address | Unique fields for the Name, Street, City, State, Zip, Country and full address of the account. This is the location where invoices are mailed. Often the same as Service Address. | Jane Smith 123 Main St. Houston, TX 77001 |
| Service Address | The Name, Street, City, State, Zip, Country and full address of the account. This is the location where utility service is delivered. Note: Service address is often far less data rich than Billing Address. | Jane Smith 123 Main St. Houston, TX 77001 |
| Currency | The currency listed by the utility provider. | USD, EUR, GBP |
| Total Bill | The total account balance at the end of the billing period. | 100.00 |
| Outstanding Balance | The difference between the last statement and last payment. This field is not always available. | 100.00 |
| Late Fee | An indication whether the user’s previous statement was paid late. This field is not always available. | |
| Balance Adjustments | Any changes to the balance of the account after the previous statement, but before issuance of the current statement. | 40.00 |
| Statement Interval Start | The start date of the billing period. | 2020-09-13 |
| Statement Interval End | The end date of the billing period. | 2020-10-13 |
| Statement Date | Date of the statements publication. If no statement date is listed, the final day of the service period is used. | 2018-10-24 |
| Due Date | Date that payment of the account balance becomes due. | 2018-11-18 |
Payments
| Currency | The currency listed by the utility provider. | USD, EUR, GBP |
| Payment Amount | Amount of payment to the utility provider. | 185.00 |
| Payment Date | Date of payment to the utility provider. | 2018-10-31 |
