API reference · Credit

Credit disputes

POST/credit-scoring/disputeRaise a dispute
GET/credit-scoring/dispute/subject/{subjectReference}Every dispute for one subject, including resolved ones
POST/credit-scoring/dispute/{reference}/withdrawWithdraw a dispute

POST Raise a dispute

POST /credit-scoring/dispute

**The disputed fact stops counting immediately**, before anybody investigates. The alternative is weeks of a possibly-false fact depressing somebody's score while somebody else decides whether it is true. The exclusion is synchronous; the new number is not. Re-scoring runs off the request path within minutes, and a read in between returns the previous score with pendingRecompute set - so a lender can see a correction is in flight rather than acting on a figure known to be wrong. After an hour without recomputation the score reads as unavailable instead. Raising a dispute is never itself adverse.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Example

Request body: CreditScoreDisputeRequest · Response: CreditScoreDisputeResponse

curl -X POST "https://api.bridgemoni.com/credit-scoring/dispute" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
    "subjectReference": "text",
    "disputedFeatureKey": "text",
    "reason": "text"
  }'

{
  "subjectReference": "text",
  "disputedFeatureKey": "text",
  "reason": "text"
}

{
  "data": {
    "reference": "text",
    "subjectReference": "text",
    "disputedFeatureKey": "text",
    "raisedReason": "text",
    "status": "OPEN",
    "assignedOperatorReference": "text",
    "assignedAt": "2027-03-14T14:30:01",
    "resolutionNote": "text",
    "resolvedByReference": "text",
    "resolvedAt": "2027-03-14T14:30:01",
    "raisedAt": "2027-03-14T14:30:01"
  },
  "description": "Raise a dispute"
}

Responses

Status	When
`200`	Filed, and the fact already excluded
`404`	No link to that subject

GET Every dispute for one subject, including resolved ones

GET /credit-scoring/dispute/subject/{subjectReference}

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`subjectReference`

Example

Response: List<CreditScoreDisputeResponse>

curl -X GET "https://api.bridgemoni.com/credit-scoring/dispute/subject/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "text",
      "subjectReference": "text",
      "disputedFeatureKey": "text",
      "raisedReason": "text",
      "status": "OPEN",
      "assignedOperatorReference": "text",
      "assignedAt": "2027-03-14T14:30:01",
      "resolutionNote": "text",
      "resolvedByReference": "text",
      "resolvedAt": "2027-03-14T14:30:01",
      "raisedAt": "2027-03-14T14:30:01"
    }
  ],
  "description": "Every dispute for one subject, including resolved ones"
}

Responses

Status	When
`200`	Disputes, newest first

POST Withdraw a dispute

POST /credit-scoring/dispute/{reference}/withdraw

The subject withdrawing their own challenge. The fact comes back and the score is recomputed; nothing is recorded against them for having asked.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: CreditScoreDisputeResponse

curl -X POST "https://api.bridgemoni.com/credit-scoring/dispute/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/withdraw" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "reference": "text",
    "subjectReference": "text",
    "disputedFeatureKey": "text",
    "raisedReason": "text",
    "status": "OPEN",
    "assignedOperatorReference": "text",
    "assignedAt": "2027-03-14T14:30:01",
    "resolutionNote": "text",
    "resolvedByReference": "text",
    "resolvedAt": "2027-03-14T14:30:01",
    "raisedAt": "2027-03-14T14:30:01"
  },
  "description": "Withdraw a dispute"
}

Responses

Status	When
`200`	Withdrawn

Generated from the OpenAPI document. Branch on the HTTP status: there is no machine-readable error code on the wire. Errors