normalizeRawReport

Mutation

Input: Intake a raw credit report data from supported vendors (CRS, Spinwheel) Output: Normalized credit report and creditReportId required for underwriting.

Mutation Signature

mutation {
  normalizeRawReport(input: NormalizeRawReportInput!): NormalizeRawReportResponse!
}

Example Request

GraphQL

mutation NormalizeRawReport($input: NormalizeRawReportInput!) {
  normalizeRawReport(input: $input) {
    # Add fields you want to retrieve
  }
}

Example Variables:

{
  "input": {
    "reqOrgContactId": "contact-12345",
    "reportType": "CRS_EQUIFAX",
    "reportJson": {
      "note": "This would be the raw vendor JSON response"
    },
    "reportRequestedAt": "2025-01-15",
    "pdfBase64": "<base64-encoded-pdf-string>",
    "leadId": "lead-67890"
  }
}

Apollo Studio

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Example Response

{
  "data": {
    "normalizeRawReport": {
      "data": {
        "creditReportId": "cr-normalized-789",
        "reqOrgContactId": "contact-12345",
        "applicantResidenceState": "TX",
        "debts": [
          {
            "id": "debt-001",
            "creditorName": "Discover",
            "accountNumber": "****9012",
            "currentBalance": 8750,
            "originalBalance": 10000,
            "accountType": "CREDIT_CARD",
            "portfolioType": "REVOLVING",
            "ecoaCode": "I",
            "isCollection": false
          }
        ]
      },
      "errors": null
    }
  }
}

Arguments

Argument	Type	Description
input	NormalizeRawReportInput!	Input containing the raw credit report data and metadata for normalization

Input Types

NormalizeRawReportInput

Required Fields:

Field	Type	Description
reqOrgContactId	String!	Requesting organization contact ID
reportType	SUPPORTED_REPORT_PRODUCTS!	Supported credit report products. ** Note when using SPINWHEEL ** - We normalize credit reports from the user object in spinwheel - reportJson must be a response from https://docs.spinwheel.io/refe…
reportJson	JSON!	Direct JSON object containing the raw credit report response from the vendor.

Optional Fields:

Field	Type	Description
reqOrgSecondaryContactId	String	Requesting organization co-contact ID
reportRequestedAt	String	Optional override for the report requested date. Format: YYYY-MM-DD Only required for CRS reports (CRS_TRANSUNION, CRS_EQUIFAX) where the raw data does not include this field. Used to support downs…
pdfBase64	String	Optional base64 encoded PDF string of the credit report.
leadId	String	Optional lead ID to associate with the credit report.

Response Type

Returns: NormalizeRawReportResponse!

NormalizeRawReportResponse

Field	Type	Description
data	NormalizeRawReportResponseResult	Normalized Credit Report
errors	[NormalizeRawReportResponseError]	List of error messages

NormalizeRawReportResponseResult

normalizeRawReport Success Response

Field	Type	Description
creditReportId	String	Credit report ID
secondaryCreditReportId	String	Secondary Credit report ID
reqOrgContactId	String!	Requesting organization contact ID
applicantResidenceState	String	State where customer resides
debts	[CreditReportDebt]	List of debts

CreditReportDebt

Credit Report Debt

Field	Type	Description
id	ID!	Debt ID
creditorId	String	creditor ID
externalDebtId	String	This is replaced by accountNumber @deprecated Use accountNumber instead
accountNumber	String	Original credit report account number
applicantState	String	Applicants state of residence.
ecoaCode	String	ECOA code
creditorName	String	Creditor name from credit report
parentCreditorName	String	Parent creditor name
parentCreditorId	String	Parent creditor ID
originalCreditorName	String	Original creditor name from credit report
creditorType	String	Creditor type
accountType	String	Account type
portfolioType	String	Portfolio type
debtType	String	Debt type
currentBalance	Float	Current debt balance
openDate	String	Date the debt was opened
lastPaymentDate	String	Date of last payment
hasLastPayment	Boolean	True if the most recent payment has been made as of the date this credit report was pulled
narrativeCodes	[String]	Narrative codes that might include bankruptcy codes
bankruptcyDateFiled	String	Bankruptcy date filed
applicantId	String	Applicant Id
coApplicantId	String	CoApplicant Id
originalBalance	Float	Original debt balance
isCollection	Boolean	Flag to show if the debt is in collection
delinquency	String	account rating /delinquency value
monthlyPayment	Float	Monthly payment
forthDebtTypeId	String	Forth Debt Type ID
remarks	[String]	Remarks

NormalizeRawReportResponseError

normalizeRawReport Error Response

Field	Type	Description
message	String	Error message

Additional Enums

SUPPORTED_REPORT_PRODUCTS

Supported report types for normalizing raw credit report data

Value	Description
CRS_TRANSUNION	Product: basic/tu-prequal-vantage4 | Data Provider: CRS
CRS_EQUIFAX	Product: efx-prequal-vantage4 | Data Provider: CRS
SPINWHEEL	Product: EquifaxVantageScore3.0 | Data Provider: Spinwheel
ARRAY_EQUIFAX	Product: efx1bReportScore | Data Provider: Array
CRS_STANDARD_PREQUAL_VANTAGE4	Product: standard/prequal-vantage4 | Data Provider: CRS
FORTH_API_MISMO_2_3_1	Product: MISMO 2.3.1 | Data Provider: Forth API

Error Types

The response may include the following error types:

NormalizeRawReportResponseError

normalizeRawReport Error Response

Field	Type	Description
message	String	Error message

Manual Error Documentation

Add service-specific error codes and their resolutions below.

Common Errors

Error Code	Description	Resolution
VALIDATION_ERROR	Input validation failed	Check required fields and formats
UNAUTHORIZED	Invalid or expired token	Re-authenticate and retry
NOT_FOUND	Resource not found	Verify the ID or reference

Related

• Back to Credit Reporting