Financial Intelligence

Credit Risk Scoring API

Assess credit risk with real-time data and advanced analytics

Make smarter lending decisions with our AI-powered Credit Risk Scoring API. Get a comprehensive view of creditworthiness, enabling you to approve more customers while minimizing risk.

View Documentation

Assess Credit Risk

Data Schema

Our Credit Risk Scoring API returns a detailed risk assessment.

Response Example

{
  "applicant_id": "app_1A2b3C4d5E",
  "credit_score": 720,
  "risk_level": "low",
  "factors": [
    "High income",
    "Low debt-to-income ratio",
    "Long credit history"
  ],
  "recommendation": "approve",
  "timestamp": "2025-08-26T12:00:00Z"
}

Key Fields

credit_score integer

A numerical representation of creditworthiness.

risk_level string

Categorical risk level: 'low', 'medium', 'high'.

factors array

A list of factors that influenced the score.

recommendation string

Suggested action: 'approve', 'review', or 'decline'.

Choose Your Plan

Flexible pricing that scales with your needs

Free

$0 /month

For testing and small-scale lending.

  • 50 credit reports/month
  • Basic risk scoring
  • Standard support
  • Rate limited
Most Popular

Pro

$249 /month

For growing lenders and financial institutions.

  • 1,000 credit reports/month
  • Advanced risk scoring
  • Customizable models
  • Priority support

Enterprise

Custom /contact sales

For large-scale, high-volume lending.

  • Unlimited credit reports
  • Bespoke risk models
  • 24/7 dedicated support
  • SLA guarantees

Real-World Applications

See how our Credit Risk Scoring API powers different use cases across industries

Loan Origination

Automate and streamline your loan approval process.

Credit Monitoring

Continuously monitor customer credit to manage portfolio risk.

Portfolio Management

Optimize your lending portfolio with data-driven insights.

Fraud Prevention

Identify and prevent fraudulent applications.

Ready to Get Started?

Start with our free tier and scale as your needs grow. No credit card required.

50 free reports/month
Complete documentation
24/7 support

Developer-First Documentation

Get started quickly with our comprehensive guides and examples

Sample Request

curl -H "Authorization: Bearer YOUR_API_KEY" \
     -H "Content-Type: application/json" \
     "https://api.zoros.io/v1/credit-risk-scoring"

Sample Response

{
  "status": "success",
  "data": {
    "applicant_id": "app_1A2b3C4d5E",
    "credit_score": 720,
    "risk_level": "low",
    "factors": [
      "High income",
      "Low debt-to-income ratio",
      "Long credit history"
    ],
    "recommendation": "approve",
    "timestamp": "2025-08-26T12:00:00Z"
  }
}
View Full Documentation

Frequently Asked Questions

Common questions about our Credit Risk Scoring API.

We use a wide range of traditional and alternative data sources, including credit bureaus, public records, and other financial data providers to create a holistic view of credit risk.

Yes, our API is designed to be compliant with major financial regulations, including FCRA and ECOA. We provide the necessary tools and documentation to help you meet your compliance obligations.

Yes, our Enterprise plan allows for fully customized scoring models tailored to your specific lending criteria and risk appetite.