name: Bloom Credit Credit Intelligence
description: >-
  End-to-end credit intelligence capability for fintech applications, lenders,
  and financial services platforms. Enables consumer registration, tri-bureau
  credit report retrieval, score analysis, trade line inspection, and real-time
  credit monitoring with webhook alerts.
version: "1.0"
persona:
  - Fintech Developers
  - Lenders and Underwriters
  - Credit Counselors
  - Consumer Finance Apps
servers:
  rest:
    url: http://localhost:8080
    protocol: rest
  mcp:
    url: http://localhost:9090
    protocol: mcp
tools:
  - name: create-consumer
    operationId: create-consumer
    source:
      capability: capabilities/shared/bloom-credit-api.yaml
    description: Register a consumer for credit data access.
  - name: get-consumer
    operationId: get-consumer
    source:
      capability: capabilities/shared/bloom-credit-api.yaml
    description: Retrieve a consumer's profile and status.
  - name: get-credit-reports
    operationId: get-credit-reports
    source:
      capability: capabilities/shared/bloom-credit-api.yaml
    description: Pull full credit reports from Equifax, Experian, and/or TransUnion.
  - name: get-credit-scores
    operationId: get-credit-scores
    source:
      capability: capabilities/shared/bloom-credit-api.yaml
    description: Retrieve FICO or VantageScore credit scores from one or more bureaus.
  - name: get-trade-lines
    operationId: get-trade-lines
    source:
      capability: capabilities/shared/bloom-credit-api.yaml
    description: Retrieve individual account and trade line data for credit analysis.
  - name: enroll-monitoring
    operationId: enroll-monitoring
    source:
      capability: capabilities/shared/bloom-credit-api.yaml
    description: Enroll a consumer in credit monitoring to receive real-time alerts.