---
title: "GET /creditRatings"
method: GET
path: "/creditRatings"
tags: ["Credit", "Credit Ratings"]
---

# GET /creditRatings

`GET /creditRatings`

## Request

- Base URL: `https://api.railz.ai`
- URL: `https://api.railz.ai/creditRatings`
- Auth: HTTP bearer

Gets the big 4 US credit agencies and the Railz credit rating for a business.

## Query parameters

- `businessName` string, required
- `serviceName` 'freshbooks' | 'quickbooks' | 'quickbooksDesktop' | 'xero' | 'oracleNetsuite' | 'sageBusinessCloud' | 'sageIntacct' | 'dynamicsBusinessCentral' | 'zohoBooks' | 'byod', required
- `endDate` string

## Response `200`

- CreditRatingsResponseDto
  - `count` number, required
  - `reports` CreditRatingsReport[], required
    - `meta` CreditRatingsReportMetaData, required
      - `reportId` string, required
      - `serviceName` 'quickbooks' | 'xero' | 'freshbooks' | 'quickbooksDesktop' | 'sageIntacct' | 'sageBusinessCloud' | 'oracleNetsuite' | 'dynamicsBusinessCentral' | 'dynamics365Finance' | 'wave' | 'zohoBooks' | 'myob', required
      - `businessName` string, required
      - `startDate` string, date-time, required
      - `endDate` string, date-time, required
      - `createdAt` string, date-time, required
      - `updatedAt` string, date-time, required
    - `data` CreditRatingsData, required
      - `spRating` 'AAA' | 'AA+' | 'AA' | 'AA-' | 'A+' | 'A' | 'A-' | 'BBB+' | 'BBB' | 'BBB-' | 'BB+' | 'BB' | 'BB-' | 'B+' | 'B' | 'B-' | 'CCC+' | 'CCC' | 'CCC-' | 'CC' | 'C' | 'D', required
      - `moodysRating` 'Aaa' | 'Aa1' | 'Aa2' | 'Aa3' | 'A1' | 'A2' | 'A3' | 'Baa1' | 'Baa2' | 'Baa3' | 'Ba1' | 'Ba2' | 'Ba3' | 'B1' | 'B2' | 'B3' | 'Caa1' | 'Caa2' | 'Ca' | 'C', required
      - `fitchRating` 'AAA' | 'AA+' | 'AA' | 'AA-' | 'A+' | 'A' | 'A-' | 'BBB+' | 'BBB' | 'BBB-' | 'BB+' | 'BB' | 'BB-' | 'B+' | 'B' | 'B-' | 'CCC' | 'DDD' | 'DD' | 'D', required
      - `dbrsRating` 'AAA' | 'AA (high)' | 'AA' | 'AA (low)' | 'A (high)' | 'A' | 'A (low)' | 'BBB (high)' | 'BBB' | 'BBB (low)' | 'BB (high)' | 'BB' | 'BB (low)' | 'CCC (high)' | 'CCC' | 'CCC (low)' | 'CC' | 'C' | 'D', required
      - `railzRating` 'A+' | 'A' | 'A-' | 'B+' | 'B' | 'B-' | 'C+' | 'C' | 'C-' | 'D', required
      - `railzGrade` 'Very Poor' | 'Poor' | 'Fair' | 'Good' | 'Very Good' | 'Excellent', required
      - `description` string, required

## Other responses

- `202`: Data in pending state
- `204`: No data available
- `400`: Bad Request Error - Thrown if fields sent via query does not follow specifications
- `401`: Unauthorized - Not logged in or log in expired
- `403`: Forbidden - Not enough permission
- `500`: Server Error

## Changes

- **2026-09-03** `1383b9a47ac9`: 1 info
  - api tag `Credit` added
- **2026-08-10** `5cdfae3fa1fa`: 5 breaking, 28 warning, 2 info
  - removed the enum value `myob` from the `query` request parameter `serviceName`
  - removed the enum value `plaid` from the `query` request parameter `serviceName`
  - removed the enum value `shopify` from the `query` request parameter `serviceName`
  - removed the enum value `square` from the `query` request parameter `serviceName`
  - …31 more

[Operation history](https://skmtc.dev/railz/apis/fis-accounting-data-as-a-service-api/changes/creditRatings/get.md)

---

[API](https://skmtc.dev/railz/apis/fis-accounting-data-as-a-service-api.md) - [All operations](https://skmtc.dev/railz/apis/fis-accounting-data-as-a-service-api/llms.txt) - [OpenAPI document](https://skmtc.dev/railz/apis/fis-accounting-data-as-a-service-api/revisions/1383b9a47ac9?raw)