DebtSifter API

Lead Ingestion

POST /api/leads/ingest/automatic

Ingest lead with TruVision soft pull report text. Parses tradelines, calculates unsecured debt, assigns bracket.

POST /api/leads/ingest/gma

Ingest lead with GMA 700 Credit soft pull data. Accepts structured tradelines or raw report text.

POST /api/leads/ingest/crif

Ingest lead with CRIF 700 Credit TransUnion hard pull. Accepts raw TruVision text (report_text) or structured tradelines.

Enrichment (Aged Data)

POST /api/enrich

Enrich a lead with fresh OffersIQ ECM attributes. For aged leads with stale/missing credit data. Pass lead_id + ecm_data, or ecm_data alone for dry run.

Lead Management

GET /api/leads

List leads. Filter by source, bracket, status. Paginated.

GET /api/leads/:id

Full lead detail including parsed tradelines.

Bracket Configuration

GET /api/brackets

List all brackets with thresholds and revenue splits.

PUT /api/brackets/:id

Update bracket thresholds, splits, routing, and active status.

POST /api/brackets

Create new bracket.

Bracket	Range	Split	Status
Under $5K	$0 – $4,999	—	Track Only
Bracket 1	$5K – $10K	Configurable	Route
Bracket 2	$10K – $15K	Configurable	Route
Mid Range	$15K – $28K	Configurable	Route
Bracket 3	$28K+	70/30	Route ★

Payouts & Reconciliation

GET /api/payouts

List all payout records.

POST /api/payouts/generate

Generate payout report for a date range. Returns bracket breakdown.

GET /api/payouts/schedule

View payout schedule (bi-weekly or monthly).

PUT /api/payouts/schedule/:id

Update payout frequency (biweekly/monthly).

🤖 CRIF Scraper

POST /api/scraper/run

Trigger a manual scraper run. Logs into CRIF SelectLink, scrapes declined deals, fetches credit reports, parses and qualifies leads. Add ?wait=true to wait for completion.

GET /api/scraper/status

Current scraper status: running/idle, last run info, totals, schedule.

GET /api/scraper/runs

List past scraper runs with stats (deals found, qualified, errors).

GET /api/scraper/deals

List scraped deals. Filter: ?qualified=true/false. Paginated.

GET /api/scraper/stats

Aggregate scraper stats: qualification rates, bracket breakdown, avg debt/score.

POST /api/scraper/deals/:appId/reprocess

Re-fetch and re-parse a specific deal's credit report.

Schedule: 3x daily — 7 AM, 12 PM, 6 PM ET | Source: CRIF SelectLink (Anchored Finance)

💰 Run Economics

GET /api/admin/costs

Aggregate cost summary: total report costs, compute costs, cost per qualified lead.

PATCH /api/admin/costs/config

Update cost configuration (report_cost_cents, compute_rate_cents_hr).

GET /api/admin/costs/runs

Per-run cost breakdown with report costs, compute costs, and cost per qualified lead.

POST /api/admin/costs/recalculate

Recalculate costs for all completed runs based on current config.

Dashboard & Testing

GET /api/dashboard/stats

Aggregate stats: total leads, routing rate, bracket distribution, avg debt.

GET /dashboard

Admin dashboard UI (login required).

POST /api/test/parse-sample

Parse a TruVision report and return all extracted tradelines + bracket assignment without saving.

🔍 DebtSifter