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Documentation Index

Fetch the complete documentation index at: https://docs.credzu.com/llms.txt

Use this file to discover all available pages before exploring further.

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Overview

The score_update event is sent at approximately 45-day intervals with verified credit score improvement data. This is the primary way partners track borrower progress toward mortgage readiness.

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When It’s Triggered

  • Approximately every 45 days after escrow is funded
  • When a new credit pull is completed
  • Includes verified score gains across all three bureaus

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Payload

{
  "event": "score_update",
  "timestamp": "2025-03-04T10:00:00Z",
  "lead_id": 44921,
  "partner_lead_id": "FBHL-55672",
  "details": {
    "experian_gain": 21,
    "equifax_gain": 17,
    "transunion_gain": 19,
    "estimated_time_remaining": "45-90 days"
  }
}

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Fields

FieldTypeDescription
eventstringAlways "score_update"
timestampstringISO 8601 timestamp
lead_idintegerCredzu’s unique identifier
partner_lead_idstringYour internal ID (if provided)
details.experian_gainintegerPoints gained on Experian since last update
details.equifax_gainintegerPoints gained on Equifax since last update
details.transunion_gainintegerPoints gained on TransUnion since last update
details.estimated_time_remainingstringEstimated time until mortgage-ready (e.g., “45-90 days”)

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Recommended Actions

  • Update your dashboard with the score improvement data
  • Track cumulative gains over time
  • Use estimated_time_remaining to forecast when the borrower may return
  • Consider re-engaging the loan officer when gains are significant

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Example Timeline

UpdateExperianEquifaxTransUnionTotal Gain
Initial580575570—
45 days+21+17+19+57
90 days+18+22+15+112
135 days+12+14+16+154
Score updates are based on verified credit pulls, not estimates. Credzu’s escrow model ensures that credit repair providers are only paid for actual, verified improvements.