{
  "openapi": "3.1.0",
  "version": "2026.05.02",
  "lastUpdated": "2026-05-02T20:00:00Z",
  "canonicalSource": true,

  "info": {
    "title": "ScorePivot Platform — OpenAPI v3.0 (Placeholder)",
    "version": "3.0",
    "description": "Placeholder OpenAPI specification for the ScorePivot Platform. This file defines non-functional, software-only endpoints used for agentic planning, capability mapping, and ingestion. No real credit repair, legal, financial, or bureau-integrated services are provided."
  },

  "servers": [
    {
      "url": "https://scorepivot.com",
      "description": "Primary placeholder API surface"
    }
  ],

  "paths": {
    "/mcp/import-report": {
      "post": {
        "summary": "Placeholder endpoint for importing a credit report",
        "description": "Non-functional placeholder endpoint used for agentic planning. Accepts structured credit report data for analysis workflows.",
        "operationId": "importReport",
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": { "$ref": "#/components/schemas/CreditReport" }
            }
          }
        },
        "responses": {
          "200": {
            "description": "Report accepted (placeholder response)",
            "content": {
              "application/json": {
                "schema": { "$ref": "#/components/schemas/ImportReportResponse" }
              }
            }
          }
        }
      }
    },

    "/mcp/analyze-report": {
      "post": {
        "summary": "Placeholder endpoint for analyzing a credit report",
        "description": "Non-functional placeholder endpoint for agentic reasoning. Returns structured analysis results.",
        "operationId": "analyzeReport",
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": { "$ref": "#/components/schemas/CreditReport" }
            }
          }
        },
        "responses": {
          "200": {
            "description": "Analysis completed (placeholder)",
            "content": {
              "application/json": {
                "schema": { "$ref": "#/components/schemas/AnalysisResult" }
              }
            }
          }
        }
      }
    },

    "/mcp/generate-letter": {
      "post": {
        "summary": "Placeholder endpoint for generating a dispute letter draft",
        "description": "Non-functional placeholder endpoint for generating draft documents based on dispute metadata.",
        "operationId": "generateLetter",
        "requestBody": {
          "required": true,
          "content": {
            "application/json": {
              "schema": { "$ref": "#/components/schemas/GenerateLetterRequest" }
            }
          }
        },
        "responses": {
          "200": {
            "description": "Draft generated (placeholder)",
            "content": {
              "application/json": {
                "schema": { "$ref": "#/components/schemas/Document" }
              }
            }
          }
        }
      }
    }
  },

  "components": {
    "schemas": {
      "CreditReport": {
        "type": "object",
        "description": "Structured credit report data (software-only representation).",
        "properties": {
          "reportId": { "type": "string" },
          "personId": { "type": "string" },
          "accounts": {
            "type": "array",
            "items": { "$ref": "#/components/schemas/CreditAccount" }
          },
          "negativeItems": {
            "type": "array",
            "items": { "$ref": "#/components/schemas/NegativeItem" }
          },
          "inquiries": {
            "type": "array",
            "items": { "$ref": "#/components/schemas/Inquiry" }
          },
          "scoreSnapshots": {
            "type": "array",
            "items": { "$ref": "#/components/schemas/ScoreSnapshot" }
          }
        }
      },

      "CreditAccount": {
        "type": "object",
        "properties": {
          "accountId": { "type": "string" },
          "type": { "type": "string" },
          "status": { "type": "string" },
          "balance": { "type": "number" },
          "creditLimit": { "type": "number" }
        }
      },

      "NegativeItem": {
        "type": "object",
        "properties": {
          "negativeItemId": { "type": "string" },
          "accountId": { "type": "string" },
          "category": { "type": "string" },
          "severity": { "type": "string" }
        }
      },

      "Inquiry": {
        "type": "object",
        "properties": {
          "inquiryId": { "type": "string" },
          "inquiryDate": { "type": "string" },
          "type": { "type": "string" }
        }
      },

      "ScoreSnapshot": {
        "type": "object",
        "properties": {
          "snapshotId": { "type": "string" },
          "scoreModel": { "type": "string" },
          "scoreValue": { "type": "integer" },
          "scoreDate": { "type": "string" }
        }
      },

      "GenerateLetterRequest": {
        "type": "object",
        "properties": {
          "disputeId": { "type": "string" },
          "negativeItemId": { "type": "string" },
          "disputeReason": { "type": "string" },
          "personId": { "type": "string" }
        }
      },

      "Document": {
        "type": "object",
        "properties": {
          "documentId": { "type": "string" },
          "type": { "type": "string" },
          "title": { "type": "string" },
          "contentSummary": { "type": "string" }
        }
      },

      "ImportReportResponse": {
        "type": "object",
        "properties": {
          "status": { "type": "string", "example": "accepted" },
          "reportId": { "type": "string" }
        }
      },

      "AnalysisResult": {
        "type": "object",
        "properties": {
          "summary": { "type": "string" },
          "negativeItemCount": { "type": "integer" },
          "utilizationInsights": { "type": "string" }
        }
      }
    }
  }
}