> ## 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.

# score_update

> Sent every 45 days with credit score improvement data

## 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

```json theme={null}
{
  "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       |

<Info>
  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.
</Info>