---
title: "GET /creditScores"
method: GET
path: "/creditScores"
tags: ["Credit", "Credit Scores"]
---

# GET /creditScores

`GET /creditScores`

## Request

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

Gets a point in time credit score based on a 1-year probability of default and 3 scores based on financial forecast and probability of default projections for a business.

## Query parameters

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

## Response `200`

- CreditScoresResponseDto
  - `count` number, required
  - `reports` CreditScoresReport[], required
    - `meta` CreditScoresReportMetaData, 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` CreditScoresData, required
      - `scorePit` number, required
      - `score12m` number, required
      - `score24m` number, required
      - `score36m` number, 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/creditScores/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)