Returns three sections:

1. singlePull — derivations from the most recent snapshot only: payment trend, most severe active delinquency, total delinquent exposure, days since last delinquency, recent-12-month delinquency flag, active tradeline count, write-off flag.
2. timeSeries — month-over-month and trend derivations that require historical snapshots. Fields are null until enough history has accumulated.
3. profile — assigned customer-profile segment derived from the single-pull signals: clean-but-thin, clean-and-established, recent-delinquency-improving, active-delinquency-or-writeoff. May be null for accounts with no score data. Partners can only access businesses they have referred.

Details:

• scoreChange available after Month 2
• newTradelineAdded available after Month 2
• scoreVelocity / cleanStreakMonths / scoreOnStreak available after Month 3
• scoreTrend6Mo available after Month 6