score_update

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.

escrow_funded mortgage_ready

Overview

Endpoints

Webhooks

Overview

When It’s Triggered

Payload

Fields

Recommended Actions

Example Timeline

​Overview

​When It’s Triggered

​Payload

​Fields

​Recommended Actions

​Example Timeline

Overview

When It’s Triggered

Payload

Fields

Recommended Actions

Example Timeline