API Reference

Pede uma nova análise de crédito de um titular já verificado, com outro pedido e sem nova captura

Uma análise NOVA de um titular já verificado, com outro pedido (valor, prazo, taxa) e sem nova captura: as fontes de crédito do flow são consultadas de novo para esta análise e o motor decide pela sua política. A decisão anterior continua valendo até esta decidir. Com Prefer: wait=N (RFC 7240; N até 25 segundos) a resposta espera a decisão: pronta no prazo, 201 com ela; senão 202 com Location e Retry-After, e o webhook verification.completed chega como sempre. Sem o cabeçalho, 202 na hora. Idempotency-Key é OBRIGATÓRIA: repetir com a mesma chave devolve a primeira resposta (a análise criada, 202) e nunca abre uma segunda análise nem uma segunda cobrança; a mesma chave com outro corpo é 422 idempotency_key_reuse. Enquanto o titular tiver um pedido de revisão aberto da decisão vigente, a nova análise espera a resposta da revisão (409 credit_review_open). Uma análise em andamento por verificação (409 credit_analysis_in_progress). Limite: 6 análises do mesmo titular em 30 dias (429), porque cada consulta nova pesa na nota do titular no birô; sem limite diário de volume da organização. Cobra como a primeira análise: cada fonte consultada ao preço dela (o dado reaproveitado dentro do prazo da família também) e o motor uma vez por análise. Exige uma chave secreta criada COM o escopo credit:analyses:write (chaves sem restrição não o têm) e com lista de IPs permitidos.

curl --request POST \
  --url https://api.unifokal.com/v1/credit-analyses \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "verification_id": "<string>",
  "credit_request": {
    "amount_cents": 50000000000,
    "term_months": 240,
    "monthly_rate_bps": 50000,
    "replaced_installments_cents": 5000000000000,
    "declared_income_cents": 5000000000000,
    "declared_revenue_cents": 5000000000000
  }
}
'

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    verification_id: '<string>',
    credit_request: {
      amount_cents: 50000000000,
      term_months: 240,
      monthly_rate_bps: 50000,
      replaced_installments_cents: 5000000000000,
      declared_income_cents: 5000000000000,
      declared_revenue_cents: 5000000000000
    }
  })
};

fetch('https://api.unifokal.com/v1/credit-analyses', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.unifokal.com/v1/credit-analyses"

payload = {
    "verification_id": "<string>",
    "credit_request": {
        "amount_cents": 50000000000,
        "term_months": 240,
        "monthly_rate_bps": 50000,
        "replaced_installments_cents": 5000000000000,
        "declared_income_cents": 5000000000000,
        "declared_revenue_cents": 5000000000000
    }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "id": "<string>",
  "object": "credit_analysis",
  "verification_id": "<string>",
  "status": "running",
  "credit_decision": {
    "analysis_id": "<string>",
    "decision": "approved",
    "reasons": [
      {
        "code": "ineligible_age",
        "text": "<string>"
      }
    ],
    "limit_cents": 123,
    "installment_max_cents": 123,
    "capacity": {
      "income_basis_source": "declared",
      "dsr_after_bps": 123,
      "residual_income_cents": 123
    },
    "sources": [
      {
        "module": "<string>",
        "status": "delivered",
        "origin": "bureau",
        "base_date": "<string>",
        "state": "delivered",
        "consulted": true,
        "price_cents": 123
      }
    ],
    "policy_version": "<string>",
    "engine_version": "<string>",
    "explanation": {
      "reasons": [
        {
          "code": "ineligible_age",
          "text": "<string>",
          "contest": [
            "<string>"
          ],
          "adverse": true,
          "elements": [
            {
              "text": "<string>",
              "contest": [
                "<string>"
              ]
            }
          ]
        }
      ],
      "sources": [
        {
          "origin": "bureau",
          "origin_name": "<string>",
          "base_date": "<string>",
          "contest": "<string>"
        }
      ],
      "review": "<string>",
      "free_access": "<string>",
      "decided_by": "engine",
      "desk_reason": "<string>",
      "elements_considered": [
        "<string>"
      ],
      "inquirer": "<string>",
      "creditor": "<string>",
      "review_terms": {
        "text": "<string>",
        "channel": {
          "text": "<string>",
          "url": "<string>",
          "email": "<string>",
          "phone": "<string>"
        },
        "deadline_business_days": 123
      }
    },
    "bureau_score": {
      "source_module": "<string>",
      "score": 123,
      "scale_min": 123,
      "scale_max": 123,
      "pd_bps": 123,
      "band": "<string>",
      "origin_name": "<string>",
      "base_date": "<string>"
    },
    "bureau_scores": [
      {
        "source_module": "<string>",
        "score": 123,
        "pd_bps": 123,
        "pd_low_bps": 123,
        "pd_high_bps": 123,
        "horizon_months": 123,
        "band": "<string>",
        "model": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "bureau_pd": {
      "read": {
        "horizon_class": "6m",
        "bps": 123,
        "rule": "max",
        "source_module": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>",
        "sources_count": 123,
        "dispersion_bps": 123
      },
      "classes": [
        {
          "horizon_class": "6m",
          "bps": 123,
          "rule": "max",
          "source_module": "<string>",
          "origin_name": "<string>",
          "base_date": "<string>",
          "sources_count": 123,
          "dispersion_bps": 123
        }
      ]
    },
    "evaluation": {
      "stages_run": 123,
      "stop_reason": "decided",
      "spent_cents": 123,
      "cost_cap_cents": 123,
      "latency_budget_ms": 123,
      "skipped": [
        {
          "module": "<string>",
          "cause": "not_read"
        }
      ]
    },
    "experiment": {
      "id": "<string>",
      "arm": "champion"
    },
    "bureau_recommendations": [
      {
        "source_module": "<string>",
        "level": "not_recommended",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "house_score": {
      "value": 500,
      "band": "high_risk",
      "version": "<string>",
      "method_hash": "<string>",
      "coverage_bps": 5000,
      "factors": [
        {
          "code": "<string>",
          "text": "<string>",
          "points_lost": 500,
          "missing": true
        }
      ],
      "helped": [
        {
          "code": "<string>",
          "text": "<string>"
        }
      ],
      "unscored_reason": "registration_void"
    },
    "notice_text": "<string>",
    "decided_by": "engine",
    "desk_reason": {
      "code": "<string>",
      "text": "<string>"
    }
  },
  "previous_analysis_id": "<string>",
  "end_reason": "<string>",
  "missing_authorizations": [
    {
      "module": "<string>",
      "reason": "credit_history_authorization_missing"
    }
  ],
  "created_at": "2023-11-07T05:31:56Z",
  "ended_at": "2023-11-07T05:31:56Z"
}

{
  "id": "<string>",
  "object": "credit_analysis",
  "verification_id": "<string>",
  "status": "running",
  "credit_decision": {
    "analysis_id": "<string>",
    "decision": "approved",
    "reasons": [
      {
        "code": "ineligible_age",
        "text": "<string>"
      }
    ],
    "limit_cents": 123,
    "installment_max_cents": 123,
    "capacity": {
      "income_basis_source": "declared",
      "dsr_after_bps": 123,
      "residual_income_cents": 123
    },
    "sources": [
      {
        "module": "<string>",
        "status": "delivered",
        "origin": "bureau",
        "base_date": "<string>",
        "state": "delivered",
        "consulted": true,
        "price_cents": 123
      }
    ],
    "policy_version": "<string>",
    "engine_version": "<string>",
    "explanation": {
      "reasons": [
        {
          "code": "ineligible_age",
          "text": "<string>",
          "contest": [
            "<string>"
          ],
          "adverse": true,
          "elements": [
            {
              "text": "<string>",
              "contest": [
                "<string>"
              ]
            }
          ]
        }
      ],
      "sources": [
        {
          "origin": "bureau",
          "origin_name": "<string>",
          "base_date": "<string>",
          "contest": "<string>"
        }
      ],
      "review": "<string>",
      "free_access": "<string>",
      "decided_by": "engine",
      "desk_reason": "<string>",
      "elements_considered": [
        "<string>"
      ],
      "inquirer": "<string>",
      "creditor": "<string>",
      "review_terms": {
        "text": "<string>",
        "channel": {
          "text": "<string>",
          "url": "<string>",
          "email": "<string>",
          "phone": "<string>"
        },
        "deadline_business_days": 123
      }
    },
    "bureau_score": {
      "source_module": "<string>",
      "score": 123,
      "scale_min": 123,
      "scale_max": 123,
      "pd_bps": 123,
      "band": "<string>",
      "origin_name": "<string>",
      "base_date": "<string>"
    },
    "bureau_scores": [
      {
        "source_module": "<string>",
        "score": 123,
        "pd_bps": 123,
        "pd_low_bps": 123,
        "pd_high_bps": 123,
        "horizon_months": 123,
        "band": "<string>",
        "model": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "bureau_pd": {
      "read": {
        "horizon_class": "6m",
        "bps": 123,
        "rule": "max",
        "source_module": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>",
        "sources_count": 123,
        "dispersion_bps": 123
      },
      "classes": [
        {
          "horizon_class": "6m",
          "bps": 123,
          "rule": "max",
          "source_module": "<string>",
          "origin_name": "<string>",
          "base_date": "<string>",
          "sources_count": 123,
          "dispersion_bps": 123
        }
      ]
    },
    "evaluation": {
      "stages_run": 123,
      "stop_reason": "decided",
      "spent_cents": 123,
      "cost_cap_cents": 123,
      "latency_budget_ms": 123,
      "skipped": [
        {
          "module": "<string>",
          "cause": "not_read"
        }
      ]
    },
    "experiment": {
      "id": "<string>",
      "arm": "champion"
    },
    "bureau_recommendations": [
      {
        "source_module": "<string>",
        "level": "not_recommended",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "house_score": {
      "value": 500,
      "band": "high_risk",
      "version": "<string>",
      "method_hash": "<string>",
      "coverage_bps": 5000,
      "factors": [
        {
          "code": "<string>",
          "text": "<string>",
          "points_lost": 500,
          "missing": true
        }
      ],
      "helped": [
        {
          "code": "<string>",
          "text": "<string>"
        }
      ],
      "unscored_reason": "registration_void"
    },
    "notice_text": "<string>",
    "decided_by": "engine",
    "desk_reason": {
      "code": "<string>",
      "text": "<string>"
    }
  },
  "previous_analysis_id": "<string>",
  "end_reason": "<string>",
  "missing_authorizations": [
    {
      "module": "<string>",
      "reason": "credit_history_authorization_missing"
    }
  ],
  "created_at": "2023-11-07T05:31:56Z",
  "ended_at": "2023-11-07T05:31:56Z"
}

{
  "error": "invalid_json",
  "message": "<string>"
}

{
  "error": "invalid_api_key",
  "message": "<string>"
}

{
  "error": "credential_type_not_allowed",
  "message": "<string>"
}

{
  "error": "verification_not_found",
  "message": "<string>"
}

{
  "error": "verification_erased",
  "message": "<string>"
}

{
  "error": "payload_too_large",
  "message": "<string>"
}

{
  "error": "credit_decision_not_in_flow",
  "message": "<string>"
}

{
  "error": "rate_limited",
  "message": "<string>"
}

Autorizações

Authorization

string

header

obrigatório

Chave secreta (unifokal_live_ em produção, unifokal_test_ no sandbox: 64 hex mais CRC-32) no Authorization: Bearer. Só no seu servidor: nunca no browser ou app (o widget monta apenas com o id vs_ da sessão). Não existe chave publishable.

Cabeçalhos

Idempotency-Key

string

obrigatório

Required string length: 1 - 255

Prefer

string

wait=N: quanto você aceita esperar pela decisão, em segundos.

Exemplo:

"wait=10"

Corpo

application/json

A verificação aprovada do titular (do mesmo ambiente da chave, com o motor credit_decision no flow), a relação declarada com ele agora (Lei 12.414, art. 15) e o pedido novo, no mesmo formato do credit_request da criação de sessão.

verification_id

string

obrigatório

Pattern: ^ver_[0-9A-HJKMNP-TV-Z]{26}$

credit_relationship

enum<string>

obrigatório

Opções disponíveis:

existing,

prospective

credit_request

object

obrigatório

Show child attributes

Resposta

A análise terminou dentro do prazo do Prefer: wait (decided, failed ou canceled).

string

obrigatório

Pattern: ^can_[0-9A-HJKMNP-TV-Z]{26}$

object

enum<string>

obrigatório

Opções disponíveis:

credit_analysis

verification_id

string

obrigatório

Pattern: ^ver_[0-9A-HJKMNP-TV-Z]{26}$

status

enum<string>

obrigatório

running: as fontes estão sendo consultadas; decided: credit_decision traz a decisão; failed: o motor não decidiu (nada cobrado, peça de novo); canceled: a identidade saiu de approved (negada ou bloqueada) antes da decisão.

Opções disponíveis:

running,

decided,

failed,

canceled

credit_decision

object | null

obrigatório

A decisão, a mesma do bloco data do check credit_decision no webhook. null até decided.

Show child attributes

previous_analysis_id

string | null

obrigatório

A decisão viva quando a análise começou: ela continua valendo até esta decidir, e então é substituída.

Pattern: ^cda_[0-9A-HJKMNP-TV-Z]{26}$

end_reason

string | null

obrigatório

Por que terminou sem decisão: credit_engine_failed (o motor não decidiu), superseded_by_identity (a identidade saiu de approved), credit_requester_unverified ou credit_declaration_missing (o portão de crédito fechou) e credit_review_open (o titular pediu a revisão da decisão vigente). Em todos, a decisão anterior continua valendo.

missing_authorizations

object[]

obrigatório

As fontes não consultadas porque falta, foi revogada ou venceu a autorização do titular (a análise decide sem elas).

Show child attributes

created_at

string<date-time>

obrigatório

ended_at

string<date-time> | null

obrigatório

Pede uma nova análise de crédito de um titular já verificado, com outro pedido e sem nova captura

curl --request POST \
  --url https://api.unifokal.com/v1/credit-analyses \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "verification_id": "<string>",
  "credit_request": {
    "amount_cents": 50000000000,
    "term_months": 240,
    "monthly_rate_bps": 50000,
    "replaced_installments_cents": 5000000000000,
    "declared_income_cents": 5000000000000,
    "declared_revenue_cents": 5000000000000
  }
}
'

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    verification_id: '<string>',
    credit_request: {
      amount_cents: 50000000000,
      term_months: 240,
      monthly_rate_bps: 50000,
      replaced_installments_cents: 5000000000000,
      declared_income_cents: 5000000000000,
      declared_revenue_cents: 5000000000000
    }
  })
};

fetch('https://api.unifokal.com/v1/credit-analyses', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.unifokal.com/v1/credit-analyses"

payload = {
    "verification_id": "<string>",
    "credit_request": {
        "amount_cents": 50000000000,
        "term_months": 240,
        "monthly_rate_bps": 50000,
        "replaced_installments_cents": 5000000000000,
        "declared_income_cents": 5000000000000,
        "declared_revenue_cents": 5000000000000
    }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "id": "<string>",
  "object": "credit_analysis",
  "verification_id": "<string>",
  "status": "running",
  "credit_decision": {
    "analysis_id": "<string>",
    "decision": "approved",
    "reasons": [
      {
        "code": "ineligible_age",
        "text": "<string>"
      }
    ],
    "limit_cents": 123,
    "installment_max_cents": 123,
    "capacity": {
      "income_basis_source": "declared",
      "dsr_after_bps": 123,
      "residual_income_cents": 123
    },
    "sources": [
      {
        "module": "<string>",
        "status": "delivered",
        "origin": "bureau",
        "base_date": "<string>",
        "state": "delivered",
        "consulted": true,
        "price_cents": 123
      }
    ],
    "policy_version": "<string>",
    "engine_version": "<string>",
    "explanation": {
      "reasons": [
        {
          "code": "ineligible_age",
          "text": "<string>",
          "contest": [
            "<string>"
          ],
          "adverse": true,
          "elements": [
            {
              "text": "<string>",
              "contest": [
                "<string>"
              ]
            }
          ]
        }
      ],
      "sources": [
        {
          "origin": "bureau",
          "origin_name": "<string>",
          "base_date": "<string>",
          "contest": "<string>"
        }
      ],
      "review": "<string>",
      "free_access": "<string>",
      "decided_by": "engine",
      "desk_reason": "<string>",
      "elements_considered": [
        "<string>"
      ],
      "inquirer": "<string>",
      "creditor": "<string>",
      "review_terms": {
        "text": "<string>",
        "channel": {
          "text": "<string>",
          "url": "<string>",
          "email": "<string>",
          "phone": "<string>"
        },
        "deadline_business_days": 123
      }
    },
    "bureau_score": {
      "source_module": "<string>",
      "score": 123,
      "scale_min": 123,
      "scale_max": 123,
      "pd_bps": 123,
      "band": "<string>",
      "origin_name": "<string>",
      "base_date": "<string>"
    },
    "bureau_scores": [
      {
        "source_module": "<string>",
        "score": 123,
        "pd_bps": 123,
        "pd_low_bps": 123,
        "pd_high_bps": 123,
        "horizon_months": 123,
        "band": "<string>",
        "model": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "bureau_pd": {
      "read": {
        "horizon_class": "6m",
        "bps": 123,
        "rule": "max",
        "source_module": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>",
        "sources_count": 123,
        "dispersion_bps": 123
      },
      "classes": [
        {
          "horizon_class": "6m",
          "bps": 123,
          "rule": "max",
          "source_module": "<string>",
          "origin_name": "<string>",
          "base_date": "<string>",
          "sources_count": 123,
          "dispersion_bps": 123
        }
      ]
    },
    "evaluation": {
      "stages_run": 123,
      "stop_reason": "decided",
      "spent_cents": 123,
      "cost_cap_cents": 123,
      "latency_budget_ms": 123,
      "skipped": [
        {
          "module": "<string>",
          "cause": "not_read"
        }
      ]
    },
    "experiment": {
      "id": "<string>",
      "arm": "champion"
    },
    "bureau_recommendations": [
      {
        "source_module": "<string>",
        "level": "not_recommended",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "house_score": {
      "value": 500,
      "band": "high_risk",
      "version": "<string>",
      "method_hash": "<string>",
      "coverage_bps": 5000,
      "factors": [
        {
          "code": "<string>",
          "text": "<string>",
          "points_lost": 500,
          "missing": true
        }
      ],
      "helped": [
        {
          "code": "<string>",
          "text": "<string>"
        }
      ],
      "unscored_reason": "registration_void"
    },
    "notice_text": "<string>",
    "decided_by": "engine",
    "desk_reason": {
      "code": "<string>",
      "text": "<string>"
    }
  },
  "previous_analysis_id": "<string>",
  "end_reason": "<string>",
  "missing_authorizations": [
    {
      "module": "<string>",
      "reason": "credit_history_authorization_missing"
    }
  ],
  "created_at": "2023-11-07T05:31:56Z",
  "ended_at": "2023-11-07T05:31:56Z"
}

{
  "id": "<string>",
  "object": "credit_analysis",
  "verification_id": "<string>",
  "status": "running",
  "credit_decision": {
    "analysis_id": "<string>",
    "decision": "approved",
    "reasons": [
      {
        "code": "ineligible_age",
        "text": "<string>"
      }
    ],
    "limit_cents": 123,
    "installment_max_cents": 123,
    "capacity": {
      "income_basis_source": "declared",
      "dsr_after_bps": 123,
      "residual_income_cents": 123
    },
    "sources": [
      {
        "module": "<string>",
        "status": "delivered",
        "origin": "bureau",
        "base_date": "<string>",
        "state": "delivered",
        "consulted": true,
        "price_cents": 123
      }
    ],
    "policy_version": "<string>",
    "engine_version": "<string>",
    "explanation": {
      "reasons": [
        {
          "code": "ineligible_age",
          "text": "<string>",
          "contest": [
            "<string>"
          ],
          "adverse": true,
          "elements": [
            {
              "text": "<string>",
              "contest": [
                "<string>"
              ]
            }
          ]
        }
      ],
      "sources": [
        {
          "origin": "bureau",
          "origin_name": "<string>",
          "base_date": "<string>",
          "contest": "<string>"
        }
      ],
      "review": "<string>",
      "free_access": "<string>",
      "decided_by": "engine",
      "desk_reason": "<string>",
      "elements_considered": [
        "<string>"
      ],
      "inquirer": "<string>",
      "creditor": "<string>",
      "review_terms": {
        "text": "<string>",
        "channel": {
          "text": "<string>",
          "url": "<string>",
          "email": "<string>",
          "phone": "<string>"
        },
        "deadline_business_days": 123
      }
    },
    "bureau_score": {
      "source_module": "<string>",
      "score": 123,
      "scale_min": 123,
      "scale_max": 123,
      "pd_bps": 123,
      "band": "<string>",
      "origin_name": "<string>",
      "base_date": "<string>"
    },
    "bureau_scores": [
      {
        "source_module": "<string>",
        "score": 123,
        "pd_bps": 123,
        "pd_low_bps": 123,
        "pd_high_bps": 123,
        "horizon_months": 123,
        "band": "<string>",
        "model": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "bureau_pd": {
      "read": {
        "horizon_class": "6m",
        "bps": 123,
        "rule": "max",
        "source_module": "<string>",
        "origin_name": "<string>",
        "base_date": "<string>",
        "sources_count": 123,
        "dispersion_bps": 123
      },
      "classes": [
        {
          "horizon_class": "6m",
          "bps": 123,
          "rule": "max",
          "source_module": "<string>",
          "origin_name": "<string>",
          "base_date": "<string>",
          "sources_count": 123,
          "dispersion_bps": 123
        }
      ]
    },
    "evaluation": {
      "stages_run": 123,
      "stop_reason": "decided",
      "spent_cents": 123,
      "cost_cap_cents": 123,
      "latency_budget_ms": 123,
      "skipped": [
        {
          "module": "<string>",
          "cause": "not_read"
        }
      ]
    },
    "experiment": {
      "id": "<string>",
      "arm": "champion"
    },
    "bureau_recommendations": [
      {
        "source_module": "<string>",
        "level": "not_recommended",
        "origin_name": "<string>",
        "base_date": "<string>"
      }
    ],
    "house_score": {
      "value": 500,
      "band": "high_risk",
      "version": "<string>",
      "method_hash": "<string>",
      "coverage_bps": 5000,
      "factors": [
        {
          "code": "<string>",
          "text": "<string>",
          "points_lost": 500,
          "missing": true
        }
      ],
      "helped": [
        {
          "code": "<string>",
          "text": "<string>"
        }
      ],
      "unscored_reason": "registration_void"
    },
    "notice_text": "<string>",
    "decided_by": "engine",
    "desk_reason": {
      "code": "<string>",
      "text": "<string>"
    }
  },
  "previous_analysis_id": "<string>",
  "end_reason": "<string>",
  "missing_authorizations": [
    {
      "module": "<string>",
      "reason": "credit_history_authorization_missing"
    }
  ],
  "created_at": "2023-11-07T05:31:56Z",
  "ended_at": "2023-11-07T05:31:56Z"
}

{
  "error": "invalid_json",
  "message": "<string>"
}

{
  "error": "invalid_api_key",
  "message": "<string>"
}

{
  "error": "credential_type_not_allowed",
  "message": "<string>"
}

{
  "error": "verification_not_found",
  "message": "<string>"
}

{
  "error": "verification_erased",
  "message": "<string>"
}

{
  "error": "payload_too_large",
  "message": "<string>"
}

{
  "error": "credit_decision_not_in_flow",
  "message": "<string>"
}

{
  "error": "rate_limited",
  "message": "<string>"
}