# Offers IQ

## Offers IQ
**What it is.** Real-time, rules-based credit decisioning. You define **rule sets** — credit-score thresholds, debt-to-income ratios, trade-line history, derogatory limits, any combination of the consumer's credit data — and Offers IQ runs them against the user's live credit profile, returning an **APPROVED** or **DECLINED** decision with the underlying reasons in milliseconds. NO HIT scenarios (consumers with no credit history) are handled explicitly.
**What it's for.** Pre-qualification and pre-approval experiences for loans, credit cards, BNPL offers, and other financial products. Offers IQ uses **soft-pull credit data**, so it gives you a real decision without affecting the user's score and without the latency or cost of a full underwriting flow.
**Supported attributes for rule evaluation.** Rules are written against **Equifax Credit Metrics (ECM)** attributes — values automatically extracted from the bureau response. Configure rule sets using these attribute codes:
| Code | Attribute | Type | Range | Description |
|  --- | --- | --- | --- | --- |
| `ECM01` | Credit Score | Integer | 300–850 | Equifax credit score |
| `ECM02` | Total Accounts | Integer | 0+ | All tradelines (open + closed) |
| `ECM03` | Open Accounts | Integer | 0+ | Currently open accounts |
| `ECM04` | Delinquent Accounts | Integer | 0+ | Currently past due (30–120+ days) |
| `ECM05` | Derogatory Accounts | Integer | 0+ | Accounts with serious negative marks |
| `ECM06` | Open Installment Accounts | Integer | 0+ | Open installment loans incl. mortgages |
| `ECM07` | Open Revolving Accounts | Integer | 0+ | Open revolving credit (cards) |
| `ECM08` | Open Other Accounts | Integer | 0+ | Open accounts excl. revolving / installment / mortgages |
| `ECM09` | Inquiries | Integer | 0+ | Credit inquiries on file |
| `ECM10` | Available Credit | Integer (USD) | 0+ | Total available credit on revolving accounts |
| `ECM11` | On-Time Payment % | Double | 0–100 | On-time payment percentage (24-month history) |
| `ECM12` | Unsecured Credit Card Balance | Integer (USD) | 0+ | Sum of unsecured-card balances |
| `ECM13` | Total Unsecured Debt Balance | Integer (USD) | 0+ | All unsecured debt excluding student loans |
| `ECM13_01` | Total Unsecured Debt (excl Government-Unsecured and Education Loans) | Integer (USD) | 0+ | Total unsecured debt balance across personal, credit card, charge, note, and debt-buyer accounts; excludes government-unsecured and education loans |
| `ECM14` | Medical Type Balance | Integer (USD) | 0+ | Sum of medical-debt balances |
| `ECM15` | Total Collections Count | Integer | 0+ | Third-party collection accounts |
| `ECM16` | Total Collections Amount | Integer (USD) | 0+ | Sum of collection-account balances |
| `ECM17` | Delinquencies Past 12 Months | Integer | 0+ | 30/60/90-day lates in past year |
| `ECM18` | Card Issuer Balance — Visa | Integer (USD) | 0+ | Visa-card balances |
| `ECM19` | Card Issuer Balance — Mastercard | Integer (USD) | 0+ | Mastercard balances |
| `ECM20` | Card Issuer Balance — Discover | Integer (USD) | 0+ | Discover-card balances |
| `ECM21` | Card Issuer Balance — American Express | Integer (USD) | 0+ | Amex balances |
| `ECM22` | Total Open Balance | Integer (USD) | 0+ | Total balance on all open accounts |
| `ECM23` | Student Loan Balance | Integer (USD) | 0+ | Student-loan balances |
| `ECM24` | Charge Account Balance | Integer (USD) | 0+ | Charge-account balances |
| `ECM25` | Note Loan Balance | Integer (USD) | 0+ | Note-loan balances |
| `ECM26` | Debt Buyer Account Balance | Integer (USD) | 0+ | Debt-buyer-account balances |
| `ECM27` | Education Loan Balance | Integer (USD) | 0+ | Private education-loan balances |
| `ECM28` | Government Secured Loan Balance | Integer (USD) | 0+ | Federal/government student-loan balances |
| `ECM29` | Open Bankruptcy Flag (≤ 84 months) | Boolean | true/false | true if a bankruptcy with an open/active disposition was filed within the trailing 84 months |
| `ECM30` | Closed Bankruptcy Flag (≤ 84 months) | Boolean | true/false | true if a bankruptcy was discharged/dismissed within the trailing 84 months |
| `ECM31` | Open Mortgage Delinquency | Boolean | true/false | true if any open mortgage tradeline is currently delinquent (30+ days past due) |
| `ECM32` | Open Auto Delinquency | Boolean | true/false | true if any open auto-loan tradeline is currently delinquent (30+ days past due) |
| `ECM33` | Total Scheduled Monthly Payment | Integer (USD) | 0+ | Sum of scheduled monthly payments on trades verified in the past 12 months |
| `ECM34` | Auto Credit Line | Integer (USD) | 0+ | Total credit line of open auto trades (incl. auto lease) verified in the past 12 months |
| `ECM35` | Auto Utilization | Double | 0-100+ | Percent credit utilization on open auto trades verified in the past 12 months |
| `ECM36` | Public Records Count | Integer | 0+ | Count of public records (bankruptcies) with a filing date |
| `ECM37` | Public Record Bankruptcies | Integer | 0+ | Count of public records classified as bankruptcy |
| `ECM38` | Months Since Most Recent Public Record | Integer | 0+ | Months since the most recent public record was filed (omitted if none) |
| `ECM39` | Months Since Most Recent Inquiry | Integer | 0+ | Months since the most recent credit inquiry (omitted if none) |
| `ECM40` | Total Open-to-Buy (excl Installments and Mortgages) | Integer (USD) | 0+ | Available credit on open non-installment, non-mortgage, non-HELOC trades verified in the past 12 months |
| `ECM41` | Non-Medical Third-Party Collections (Balance > $0) | Integer | 0+ | Count of non-medical collection-agency items (`collections[]`) with a balance greater than $0 |
| `ECM42` | Tax Liens Count | Integer | 0+ | Count of trades flagged as a tax lien (narrative code FV) |
| `ECM43` | Repossessions Count | Integer | 0+ | Count of trades flagged as a repossession |
| `ECM44` | Foreclosures Count | Integer | 0+ | Count of trades flagged as a foreclosure |
| `ECM45` | Revolving Debt Amount | Integer (USD) | 0+ | Total balance on all open revolving trades (broad counterpart of ECM101) |
| `ECM46` | Revolving Debt Utilization | Double | 0–100+ | Percent utilization on all open revolving trades (broad counterpart of ECM102) |
| `ECM101` | Revolving Debt Amount (Active, 12m) | Integer (USD) | 0+ | Total balance on active revolving trades |
| `ECM102` | Revolving Debt Utilization (Active, 12m) | Double | 0–100+ | Percent utilization on active revolving trades |
| `ECM103` | Unsecured Utilization (Active, 12m) | Double | 0–100+ | Percent utilization on active unsecured trades |
| `ECM104` | Active Unsecured Credit Card Balance (12m) | Integer (USD) | 0+ | Balance on active unsecured credit cards (active subset of ECM12) |
| `ECM105` | Active Total Unsecured Debt Balance (12m) | Integer (USD) | 0+ | Balance on active unsecured trades (active subset of ECM13) |
| `ECM105_01` | Active Total Unsecured Debt Balance (12m) (excl Home Improvement, Charge and Debt-Buyer) | Integer (USD) | 0+ | Active unsecured trades limited to personal/note loans and credit cards; excludes home improvement, charge, debt-buyer, government-backed and student/education loans |
| `ECM106` | Active Card Issuer Balance — Visa (12m) | Integer (USD) | 0+ | Balance on active Visa cards |
| `ECM107` | Active Card Issuer Balance — Mastercard (12m) | Integer (USD) | 0+ | Balance on active Mastercard cards |
| `ECM108` | Active Card Issuer Balance — Discover (12m) | Integer (USD) | 0+ | Balance on active Discover cards |
| `ECM109` | Active Card Issuer Balance — Amex (12m) | Integer (USD) | 0+ | Balance on active Amex cards |
| `ECM110` | Active Open Accounts Count (12m) | Integer | 0+ | Count of active accounts |
| `ECM111` | Active Open Revolving Accounts Count (12m) | Integer | 0+ | Count of active revolving accounts |
| `ECM112` | Active Open Installment Accounts Count (12m) | Integer | 0+ | Count of active installment/mortgage accounts |
| `ECM113` | Active Open Other Accounts Count (12m) | Integer | 0+ | Count of active other accounts |
| `ECM114` | Total Active Open Balance (12m) | Integer (USD) | 0+ | Total balance on active accounts |
| `ECM115` | Active Available Credit (12m) | Integer (USD) | 0+ | Available credit on active revolving accounts |

Flag attributes (`ECM29`–`ECM32`) are booleans valued `true` (condition present) or `false` (absent) — evaluate with `EQUAL` against `true` or `false`. The "months since" attributes (`ECM38`, `ECM39`) are omitted when no public record / inquiry is on file, so a rule using them fails rather than matching a sentinel value.
Attributes `ECM101`–`ECM115` are the **"Active, 12m" bucket** — the same shapes as the base metrics but restricted to **active** trades: accounts that are open, verified in the past 12 months, and where the consumer is financially responsible (authorized-user trades excluded) with no derogatory status (charge-off, repossession, bankruptcy, collection) and no unresolved dispute. Base/overall metrics (`ECM01`–`ECM46`) are broader, with minimal filtering. The full supported-attribute catalog (with type, unit and bucket metadata) is also available at runtime via `GET /customers/prescreening-attributes` (customer dashboard) or `GET /admin/prescreening-attributes` (admin dashboard).
If an attribute isn't available in the bureau response, the rule using it fails. Configure your rule sets in the **[Customer Portal](/client-spec/customer-portal)** → OffersIQ Product Builder. If you have a use case that needs an attribute we don't currently expose, reach out to our support team at [support@crscreditapi.com](mailto:support@crscreditapi.com) and we'll work with you to add it.
[View endpoints →](/client-spec/direct-offers-iq)

Version: v3

## Description:

  - `Offers IQ` ()
    What it is. Real-time, rules-based credit decisioning. You define rule sets — credit-score thresholds, debt-to-income ratios, trade-line history, derogatory limits, any combination of the consumer's credit data — and Offers IQ runs them against the user's live credit profile, returning an APPROVED or DECLINED decision with the underlying reasons in milliseconds. NO HIT scenarios (consumers with no credit history) are handled explicitly. What it's for. Pre-qualification and pre-approval experiences for loans, credit cards, BNPL offers, and other financial products. Offers IQ uses soft-pull credit data, so it gives you a real decision without affecting the user's score and without the latency or cost of a full underwriting flow. Supported attributes for rule evaluation. Rules are written against Equifax Credit Metrics (ECM) attributes — values automatically extracted from the bureau response. Configure rule sets using these attribute codes: CodeAttributeTypeRangeDescriptionECM01Credit ScoreInteger300–850Equifax credit scoreECM02Total AccountsInteger0+All tradelines (open + closed)ECM03Open AccountsInteger0+Currently open accountsECM04Delinquent AccountsInteger0+Currently past due (30–120+ days)ECM05Derogatory AccountsInteger0+Accounts with serious negative marksECM06Open Installment AccountsInteger0+Open installment loans incl. mortgagesECM07Open Revolving AccountsInteger0+Open revolving credit (cards)ECM08Open Other AccountsInteger0+Open accounts excl. revolving / installment / mortgagesECM09InquiriesInteger0+Credit inquiries on fileECM10Available CreditInteger (USD)0+Total available credit on revolving accountsECM11On-Time Payment %Double0–100On-time payment percentage (24-month history)ECM12Unsecured Credit Card BalanceInteger (USD)0+Sum of unsecured-card balancesECM13Total Unsecured Debt BalanceInteger (USD)0+All unsecured debt excluding student loansECM13_01Total Unsecured Debt (excl Government-Unsecured and Education Loans)Integer (USD)0+Total unsecured debt balance across personal, credit card, charge, note, and debt-buyer accounts; excludes government-unsecured and education loansECM14Medical Type BalanceInteger (USD)0+Sum of medical-debt balancesECM15Total Collections CountInteger0+Third-party collection accountsECM16Total Collections AmountInteger (USD)0+Sum of collection-account balancesECM17Delinquencies Past 12 MonthsInteger0+30/60/90-day lates in past yearECM18Card Issuer Balance — VisaInteger (USD)0+Visa-card balancesECM19Card Issuer Balance — MastercardInteger (USD)0+Mastercard balancesECM20Card Issuer Balance — DiscoverInteger (USD)0+Discover-card balancesECM21Card Issuer Balance — American ExpressInteger (USD)0+Amex balancesECM22Total Open BalanceInteger (USD)0+Total balance on all open accountsECM23Student Loan BalanceInteger (USD)0+Student-loan balancesECM24Charge Account BalanceInteger (USD)0+Charge-account balancesECM25Note Loan BalanceInteger (USD)0+Note-loan balancesECM26Debt Buyer Account BalanceInteger (USD)0+Debt-buyer-account balancesECM27Education Loan BalanceInteger (USD)0+Private education-loan balancesECM28Government Secured Loan BalanceInteger (USD)0+Federal/government student-loan balancesECM29Open Bankruptcy Flag (≤ 84 months)Booleantrue/falsetrue if a bankruptcy with an open/active disposition was filed within the trailing 84 monthsECM30Closed Bankruptcy Flag (≤ 84 months)Booleantrue/falsetrue if a bankruptcy was discharged/dismissed within the trailing 84 monthsECM31Open Mortgage DelinquencyBooleantrue/falsetrue if any open mortgage tradeline is currently delinquent (30+ days past due)ECM32Open Auto DelinquencyBooleantrue/falsetrue if any open auto-loan tradeline is currently delinquent (30+ days past due)ECM33Total Scheduled Monthly PaymentInteger (USD)0+Sum of scheduled monthly payments on trades verified in the past 12 monthsECM34Auto Credit LineInteger (USD)0+Total credit line of open auto trades (incl. auto lease) verified in the past 12 monthsECM35Auto UtilizationDouble0-100+Percent credit utilization on open auto trades verified in the past 12 monthsECM36Public Records CountInteger0+Count of public records (bankruptcies) with a filing dateECM37Public Record BankruptciesInteger0+Count of public records classified as bankruptcyECM38Months Since Most Recent Public RecordInteger0+Months since the most recent public record was filed (omitted if none)ECM39Months Since Most Recent InquiryInteger0+Months since the most recent credit inquiry (omitted if none)ECM40Total Open-to-Buy (excl Installments and Mortgages)Integer (USD)0+Available credit on open non-installment, non-mortgage, non-HELOC trades verified in the past 12 monthsECM41Non-Medical Third-Party Collections (Balance > $0)Integer0+Count of non-medical collection-agency items (collections[]) with a balance greater than $0ECM42Tax Liens CountInteger0+Count of trades flagged as a tax lien (narrative code FV)ECM43Repossessions CountInteger0+Count of trades flagged as a repossessionECM44Foreclosures CountInteger0+Count of trades flagged as a foreclosureECM45Revolving Debt AmountInteger (USD)0+Total balance on all open revolving trades (broad counterpart of ECM101)ECM46Revolving Debt UtilizationDouble0–100+Percent utilization on all open revolving trades (broad counterpart of ECM102)ECM101Revolving Debt Amount (Active, 12m)Integer (USD)0+Total balance on active revolving tradesECM102Revolving Debt Utilization (Active, 12m)Double0–100+Percent utilization on active revolving tradesECM103Unsecured Utilization (Active, 12m)Double0–100+Percent utilization on active unsecured tradesECM104Active Unsecured Credit Card Balance (12m)Integer (USD)0+Balance on active unsecured credit cards (active subset of ECM12)ECM105Active Total Unsecured Debt Balance (12m)Integer (USD)0+Balance on active unsecured trades (active subset of ECM13)ECM105_01Active Total Unsecured Debt Balance (12m) (excl Home Improvement, Charge and Debt-Buyer)Integer (USD)0+Active unsecured trades limited to personal/note loans and credit cards; excludes home improvement, charge, debt-buyer, government-backed and student/education loansECM106Active Card Issuer Balance — Visa (12m)Integer (USD)0+Balance on active Visa cardsECM107Active Card Issuer Balance — Mastercard (12m)Integer (USD)0+Balance on active Mastercard cardsECM108Active Card Issuer Balance — Discover (12m)Integer (USD)0+Balance on active Discover cardsECM109Active Card Issuer Balance — Amex (12m)Integer (USD)0+Balance on active Amex cardsECM110Active Open Accounts Count (12m)Integer0+Count of active accountsECM111Active Open Revolving Accounts Count (12m)Integer0+Count of active revolving accountsECM112Active Open Installment Accounts Count (12m)Integer0+Count of active installment/mortgage accountsECM113Active Open Other Accounts Count (12m)Integer0+Count of active other accountsECM114Total Active Open Balance (12m)Integer (USD)0+Total balance on active accountsECM115Active Available Credit (12m)Integer (USD)0+Available credit on active revolving accounts Flag attributes (ECM29–ECM32) are booleans valued true (condition present) or false (absent) — evaluate with EQUAL against true or false. The "months since" attributes (ECM38, ECM39) are omitted when no public record / inquiry is on file, so a rule using them fails rather than matching a sentinel value. Attributes ECM101–ECM115 are the "Active, 12m" bucket — the same shapes as the base metrics but restricted to active trades: accounts that are open, verified in the past 12 months, and where the consumer is financially responsible (authorized-user trades excluded) with no derogatory status (charge-off, repossession, bankruptcy, collection) and no unresolved dispute. Base/overall metrics (ECM01–ECM46) are broader, with minimal filtering. The full supported-attribute catalog (with type, unit and bucket metadata) is also available at runtime via GET /customers/prescreening-attributes (customer dashboard) or GET /admin/prescreening-attributes (admin dashboard). If an attribute isn't available in the bureau response, the rule using it fails. Configure your rule sets in the Customer Portal → OffersIQ Product Builder. If you have a use case that needs an attribute we don't currently expose, reach out to our support team at support@crscreditapi.com and we'll work with you to add it. View endpoints →