Get Credit Application Timeline

The Get Credit Application Timeline endpoint allows you to retrieve the full history of status events for a specific credit application, identified by its unique application ID. The timeline is returned as an ordered list of events, each capturing the status reached, a timestamp, and a description of the event.

An example of how you could use this functionality is to build a page in your user interface that displays the current progress of an application to a user, or provides a complete audit trail of how an application moved through the origination process.

Prerequisites

To integrate calls to the Get Credit Application Timeline endpoint, you need:

• Your own user interface, such as a mobile app or web page, to display application status updates to a user.
• A valid application ID, returned as applicationId in the response when a credit application is created using the Create Credit Application endpoint. Pass this value as the application_id path parameter below.
• A subscription to Thredd webhooks so that you can receive application status updates in real time and communicate them to an applicant via your user interface.

Example Request

Retrieve the timeline for a credit application by making a GET request to the Get Credit Application Timeline endpoint, passing the application ID as a path parameter:

GET {{baseUrl}}/api/v1/credit/applications/{application_id}/timeline

Path Parameters

Example Response

A successful request returns a 200 HTTP code. The response includes a timeline array of application events, ordered chronologically, along with the offerId, accountId, and accountHolderId associated with the application, where available.

If the request is invalid, the system will return a 422 HTTP error.

{
  "timeline": [
    {
      "applicationId": "app_123456",
      "status": "PENDED",
      "time": "2025-01-07T08:20:41Z",
      "title": "Application submitted",
      "description": "The application has been submitted and is under review."
    },
    {
      "applicationId": "app_123456",
      "status": "OFFER_PENDING_ACCEPTANCE",
      "time": "2025-01-07T09:15:00Z",
      "title": "Offer sent to client",
      "description": "An offer has been generated and is awaiting the applicant's response."
    },
    {
      "applicationId": "app_123456",
      "status": "OFFER_ACCEPTED",
      "time": "2025-01-07T10:30:00Z",
      "title": "Offer accepted",
      "description": "The applicant has accepted the offer and the application is approved."
    }
  ],
  "offerId": "offer_123456",
  "accountId": null,
  "accountHolderId": "ah_123456"
}

Response Fields

timeline array

Each item in the timeline array is an event object with the following fields:

Application Status

Event Titles