Repayment Score AI API

Leverage our AI-powered API to predict debt repayment likelihood with precision and ease.

How It Works

Our Repayment Score AI API uses advanced machine learning to analyze debtor data, including credit history, financial profile, and behavioral patterns. In an ideal state, it:

Accepts a debtor_id to retrieve existing debtor profiles or creates new profiles with provided client data.
Processes financial metrics (e.g., credit score, income, debt amount) and behavioral data (e.g., response rate, preferred channel).
Generates a repayment score (0-100) indicating the likelihood of debt repayment.
Integrates seamlessly with your systems via a secure API key.

Perfect for debt collectors, financial institutions, and businesses seeking data-driven insights.

API Documentation

Endpoint Overview

The /api/repayment-score/ endpoint calculates a repayment score (0-100) for a debtor based on their financial and behavioral data.

Method: POST
URL: https://api.cloom.ai/api/repayment-score/
Authentication: Requires X-API-Key header

Request Format

Send a JSON payload with either a debtor_id or client details.

{
  "debtor_id": "12345"
  // OR
  "first_name": "Jane",
  "last_name": "Smith",
  "ssn": "123-45-6789",
  "email": "jane@example.com",
  "phone_number": "+1234567890",
  "timing": "morning"
}

Headers: API-Key: your-api-key

Response Format

Returns a JSON object with the repayment score.

{
  "repayment_score_ai": 89
}

Example Usage

Use curl or your preferred HTTP client.

curl -X POST \
  -H "Content-Type: application/json" \
  -H "API-Key: your-api-key" \
  -d '{  "first_name": "Jane",
         "last_name": "Smith",
         "ssn": "123-45-6789"}' \
  https://api.cloom.ai/api/repayment-score/

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