Feezback Score

Credit Score is a numeric underwriting signal computed from a user's financial data, paired with a suggested credit amount recommendation. It's delivered to you two ways — inline in the Insights API response, or via an email if you don't have an API integration yet.

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Getting a Credit Score without integration
You can get a public link for gathering consents and a credit recommendation email for every new consent. Talk to your Feezback contact to set up no-integration credit score recommendation.

How it works?

Get user consent: get a VIEW consent from the user asking for credit.
Credit Score is computed using Feezback's proprietary model using data from all connected accounts.
Feezback computes the score. Once the consent is valid, the score is calculated using Feezback's proprietary model using data from all connected accounts. This is done as part of the regular insights calculation.
You receive the result according to your preferences:
- Pull it via the Insights API (creditScore field) whenever you want.
- Get pushed a recommendation email with a credit reccomendation

How to enable Credit Score?

Feezback enables the feature on your account. Credit Score isn't something you turn on yourself — ask your integration contact to enable it, and to configure your score bands and GO/NO-GO threshold (see below; there's a sensible default, but it's configurable per client).

Score bands

The score is an integer with a maximum value of 762. Bands map a score range to a label and a default recommendation:

Level	Range label	Min score	Max score
1	Poor	12	245
2	Poor	246	311
3	Fair	312	375
4	Good	376	414
5	Very Good	415	457
6	Excellent	458	762

Default recommendation logic: Fair and above is a GO by default. This threshold is configurable — you can ask your integration contact to set a different cutoff for your account.

Getting the score: Insights API

If Credit Score is enabled for your account, the standard Insights response includes a creditScore object:

GET /tpp/v1/users/USERID/insights

{
  "creditScore": {
    "score": 750,
    "range": "good",
    "creditRecommendation": "100000"
  }
}

Field	Description
`score`	The total score described above
`range`	The band label for the score — per the "score bands" table above.
`creditRecommendation`	The recommended credit amount tied to that band, per your requested configuration.

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A main-account must be connected in order to receive a score
Feezback's model detects if the connected accounts' transactions pattern indicates financial activity and includes recurring incomes, expenses and other indicators. If the user did not connect at least one main account, the credit score will be 0.

* If Credit Score isn't enabled on your account, this field is simply absent from the response.

Getting the score: recommendation email

If you are not integrated with Feezback's API yet, Feezback sends the CreditScoreRecommendation notification by email only, not to your webhook URLThe email includes the score, recommended amount, a GO/NO-GO flag, all according to your risk configurations.

Common questions

Question	Answer
`creditScore` is missing from my Insights response	The feature isn't enabled on your account, or the underlying insight hasn't been (re)computed yet
`range` / `creditRecommendation` look like defaults	The score didn't fall into any of your configured bands — check your band configuration with your integration contact
Is "Fair and above = GO" fixed?	No — that's the default; your integration contact can configure a different cutoff for your account
Can I get the factor-level breakdown behind the score?	No — only the total score, band, and recommended amount are exposed via API