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.
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
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"
}
}
Fields
| Field | Type | Description |
|---|
event | string | Always "score_update" |
timestamp | string | ISO 8601 timestamp |
lead_id | integer | Credzu’s unique identifier |
partner_lead_id | string | Your internal ID (if provided) |
details.experian_gain | integer | Points gained on Experian since last update |
details.equifax_gain | integer | Points gained on Equifax since last update |
details.transunion_gain | integer | Points gained on TransUnion since last update |
details.estimated_time_remaining | string | Estimated time until mortgage-ready (e.g., “45-90 days”) |
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
Example Timeline
| Update | Experian | Equifax | TransUnion | Total Gain |
|---|
| Initial | 580 | 575 | 570 | — |
| 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.
