--- title: Upload Credit Reports to Pave for a Complete View of Liabilities description: We’ve launched a new integration that allows you to upload credit reports. Pave cleans, normalizes, and unifies credit reports with a user’s bank transaction data, allowing lenders to easily get a complete view of a borrower’s liabilities. To date, Pave has been surfacing a user’s liabilities from their bank transaction history as well as debt […] --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities#contact) Aug 7, 2023 8:46:32 AM # Upload Credit Reports to Pave for a Complete View of Liabilities [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities) We’ve launched a new integration that allows you to upload credit reports. Pave cleans, normalizes, and unifies credit reports with a user’s bank transaction data, allowing lenders to easily get a complete view of a borrower’s liabilities. To date, Pave has been surfacing a user’s liabilities from their bank transaction history as well as debt aggregators like [Method](https://methodfi.com/). However, while bank transactions provide valuable insight into a user’s debt payments, they don’t include information such as the original loan amount, the current and remaining balance, the APR, and more.  Ingesting credit reports will allow us to unify a user’s loan payment history in bank data with the corresponding loan details from a credit report.  Overall, the *more data sources* Pave can ingest about a user, the *more complete and accurate* their financial picture will be, since there is *no single data source* that captures all of a user’s cashflows, liabilities, and assets.  ### Why this matters - Credit reports are the most common data sources lenders use to make risk decisions  - However, credit reports can be incomplete, inaccurate, and out of date - Ingesting credit reports allows Pave to unify a borrower’s bank transaction data and credit reports in order to return a more complete and updated picture of a user’s liabilities - Our [Liabilities endpoint](https://docs.pave.dev/insights/liabilities) and dashboard allow lenders to see all of a user’s liabilities in one place  ### Use Cases   - **Automate risk decisions:** Streamline approvals, loan pricing, and loan amounts based on a user’s payment history, current loans, and delinquencies - **Dynamically adjust credit limits:** Identify if a borrower remains on track with their loan payments vs. waiting months for payments to surface in credit reports - **Debt consolidation:** Efficiently model different consolidation scenarios to offer users payoff options - **Personalize refinancing offers:** Monitor your users’ loan history and proactively offer loan refinancing options - **Build debt management experiences:** Allow your users to see all of their loans in one place. Recommend optimal debt payoff plans based on their cash flows and interest rates ### Here are some FAQs to get you started. **Can I upload any credit report, or are there specific bureaus or resellers that Pave supports? ** Our integration supports credit reports from any bureau or reseller. You can read more about uploading credit report data [on our docs](https://docs.pave.dev/upload/report/credit_report). **Do I need to format the data in a particular way, or can I upload it as is?** Most credit report data comes in XML format, which you can upload as is. If you have credit reports in any other format, please reach out. You can read more about uploading credit report data [on our docs](https://docs.pave.dev/upload/report/credit_report). [credit reports](https://hs.pavefi.com/pave-blog/tag/credit-reports), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## Related posts [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Integration-Dark-2.png?height=200&name=Integration-Dark-2.png)](https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Announcing our Method Integration](https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [Lennon Chimbumu](https://hs.pavefi.com/pave-blog/author/lennon-chimbumu) Nov 14, 2022 8:28:22 AM By popular demand, we’ve added a data source integration for Method, an API that allows developers... [Read more](https://hs.pavefi.com/pave-blog/blog/method-data-source-integration) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [debt consolidation](https://hs.pavefi.com/pave-blog/tag/debt-consolidation) ## [Forecast Debt Payoff Scenarios with the Liabilities Dashboard](https://hs.pavefi.com/pave-blog/blog/forecast-debt-payoff-scenarios-with-the-liabilities-dashboard) [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) May 17, 2023 8:40:00 AM Following the release of our Liabilities Endpoint, we’ve launched a Liabilities Dashboard that... [Read more](https://hs.pavefi.com/pave-blog/blog/forecast-debt-payoff-scenarios-with-the-liabilities-dashboard) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech) ## [Retrieve a complete view of users’ liabilities with the new Liabilities Endpoint](https://hs.pavefi.com/pave-blog/blog/retrieve-a-complete-view-of-users-liabilities-with-the-new-liabilities-endpoint) [Julia Puzzo](https://hs.pavefi.com/pave-blog/author/julia-puzzo) Apr 28, 2023 8:10:54 AM We’ve released our Liabilities endpoint, allowing you to retrieve a complete and real-time view of... [Read more](https://hs.pavefi.com/pave-blog/blog/retrieve-a-complete-view-of-users-liabilities-with-the-new-liabilities-endpoint) facebook-f icon linkedin-in icon Twitter icon instagram icon - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 --- # Pave Financial, Inc. 123 Main Street, City, State 11111 Copyright © 2026, Pave Financial, Inc ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Julia Puzzo", "url" : "https://hs.pavefi.com/pave-blog/author/julia-puzzo" }, "dateModified" : "2024-10-17T21:32:16.850Z", "datePublished" : "2023-08-07T15:46:32.000Z", "headline" : "Upload Credit Reports to Pave for a Complete View of Liabilities", "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/upload-credit-reports-to-pave-for-a-complete-view-of-liabilities", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```