We have enhanced quoting endpoints to accept and return credit information as optional data that may improve early rating accuracy.

The four tiers options that we have defined currently are:

• Poor
• Average
• Good
• Excellent

You will need to work with your Account Manager to map out the credit score ranges for each of the tiers.

Default behavior: If the user responds "Unsure" or no response, we will default them to "Average". If this is the case please leave the scoreTier field empty, it is not required.

Disclaimer: as of writing (true up to 3/12/25), this functionality is not affecting production RC1's. Nevertheless, we highly encourage partners to start experimenting and implementing the changes if desired. This way you will immediately begin receiving improved RC1s as soon as Root launches the inclusion of attested credit (assuming you have already worked with your Account Manager on providing your credit score ranges).

Affected Endpoints

• Create quote
• Patch quote
• Update quote

What Changed

We added credit as an optional attribute on a driver.

Example of providing driver credit scoreTier

{
  "profile": {
    "drivers": [
      {
        "credit": {
          "scoreTier": "good"
        }
      }
    ]
  }
}

In the event the providedscoreTier is not allowed, the response will include "valid": false and a displayable "message" attribute for the user alongside a "requirements" attribute denoting the available options. Example below:

{
    "quote": {
        "profile": {
            "drivers": [
                {
                    "credit": {
                        "scoreTier": {
                            "value": "okay",
                            "valid": false,
                            "message": "Value is not an allowed value",
                            "requirements": [
                                {
                                    "fulfilled": false,
                                    "kind": "inclusion",
                                    "message": "Value is not an allowed value",
                                    "metadata": {
                                        "options": [
                                            "excellent",
                                            "good",
                                            "average",
                                            "poor"
                                        ]
                                    }
                                }
                            ]
                        }
                    }
                }
            ]
        }
    }
}