credit_scoring.md

Credit Scoring Example

Examples for calculating credit scores and viewing credit history.

Python Example

import requests

BASE_URL = "http://localhost:5000/api"
TOKEN = "your-access-token-here"
headers = {"Authorization": f"Bearer {TOKEN}"}

# 1. Calculate credit score
score_data = {
    "walletAddress": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
    "force_recalculation": False
}
response = requests.post(
    f"{BASE_URL}/credit/calculate-score",
    headers=headers,
    json=score_data
)
result = response.json()

print("Credit Score:", result["data"]["score"])
print("Rating:", result["data"]["rating"])
print("\nFactors:")
for factor in result["data"]["factors"]:
    print(f"  - {factor['factor']} ({factor['impact']})")

# 2. Get credit history
response = requests.get(
    f"{BASE_URL}/credit/history?page=1&per_page=10",
    headers=headers
)
history = response.json()

print("\nCredit History:")
for event in history["data"]["history"]:
    print(f"  - {event['event_date']}: {event['description']}")

JavaScript Example

const axios = require("axios");

const BASE_URL = "http://localhost:5000/api";
const token = "your-access-token-here";
const headers = { Authorization: `Bearer ${token}` };

async function creditScoreExample() {
  // Calculate score
  const scoreRes = await axios.post(
    `${BASE_URL}/credit/calculate-score`,
    {
      walletAddress: "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
      force_recalculation: false,
    },
    { headers },
  );

  console.log("Credit Score:", scoreRes.data.data.score);
  console.log("Rating:", scoreRes.data.data.rating);
  console.log("\nFactors:");
  scoreRes.data.data.factors.forEach((f) => {
    console.log(`  - ${f.factor} (${f.impact})`);
  });

  // Get history
  const historyRes = await axios.get(
    `${BASE_URL}/credit/history?page=1&per_page=10`,
    {
      headers,
    },
  );

  console.log("\nCredit History:");
  historyRes.data.data.history.forEach((event) => {
    console.log(`  - ${event.event_date}: ${event.description}`);
  });
}

creditScoreExample();