Extracts and ranks credit risk factors from bureau data, producing a prioritized action plan for score improvement.
{"bureau_data":{"accounts":["object"],"inquiries":"number","derogatory_marks":"number","oldest_account_months":"number"},"target_model":"FICO8|FICO10T|VS4"}
{"risk_factors":[{"factor":"string","impact":"high|medium|low","action":"string"}],"estimated_score_gain":"number","priority_order":["string"]}
{"risk_factors":[{"factor":"high_utilization","impact":"high","action":"Pay down Chase card to under 9%"},{"factor":"collection_account","impact":"high","action":"Send 609 dispute letter to Experian"}],"estimated_score_gain":45,"priority_order":["high_utilization","collection_account"]}