Add credit score provider pull

src/credit-score/credit-score.controller.ts

@@ -2,7 +2,7 @@ import { Body, Controller, Get, Post, Query } from "@nestjs/common";
 import { CurrentUser } from "../common/decorators/current-user.decorator";
 import { ok } from "../common/response";
 import { CreditScoreService } from "./credit-score.service";
-import { CreateCreditScoreEntryDto } from "./dto";
+import { CreateCreditScoreEntryDto, PullCreditScoreDto } from "./dto";
 
 @Controller("credit-score")
 export class CreditScoreController {
@@ -22,4 +22,9 @@ export class CreditScoreController {
   async createEntry(@CurrentUser() userId: string, @Body() body: CreateCreditScoreEntryDto) {
     return ok(await this.creditScoreService.createEntry(userId, body));
   }
+
+  @Post("pull")
+  async pull(@CurrentUser() userId: string, @Body() body: PullCreditScoreDto) {
+    return ok(await this.creditScoreService.pullScore(userId, body));
+  }
 }

src/credit-score/credit-score.service.ts

@@ -2,7 +2,9 @@ import { BadRequestException, Injectable } from "@nestjs/common";
 import { Prisma } from "@prisma/client";
 import { NotificationsService } from "../notifications/notifications.service";
 import { PrismaService } from "../prisma/prisma.service";
-import { CreateCreditScoreEntryDto } from "./dto";
+import { CreateCreditScoreEntryDto, PullCreditScoreDto } from "./dto";
+
+const SUPPORTED_CREDIT_PROVIDERS = ["sandbox"];
 
 @Injectable()
 export class CreditScoreService {
@@ -79,6 +81,29 @@ export class CreditScoreService {
     };
   }
 
+  async pullScore(userId: string, dto: PullCreditScoreDto) {
+    const provider = (dto.provider ?? process.env.CREDIT_SCORE_PROVIDER ?? "sandbox").toLowerCase();
+    if (!SUPPORTED_CREDIT_PROVIDERS.includes(provider)) {
+      throw new BadRequestException("Configured credit-score provider is not supported by this build.");
+    }
+
+    const pulled = await this.pullFromProvider(provider, userId, dto.bureau ?? "experian");
+    return this.createEntry(userId, {
+      score: pulled.score,
+      bureau: pulled.bureau,
+      source: "provider",
+      model: pulled.model,
+      scoreDate: pulled.scoreDate,
+      factors: pulled.factors,
+      metadata: {
+        provider,
+        providerPullId: pulled.providerPullId,
+        consent: dto.consent ?? {},
+        sandbox: provider === "sandbox",
+      },
+    });
+  }
+
   async summary(userId: string) {
     const entries = await this.listEntries(userId, "all");
     const latestByBureau = new Map<string, any>();
@@ -118,4 +143,27 @@ export class CreditScoreService {
     if (bureau === "transunion") return "TransUnion";
     return "Credit";
   }
+
+  private async pullFromProvider(provider: string, userId: string, bureau: "experian" | "equifax" | "transunion") {
+    if (provider !== "sandbox") {
+      throw new BadRequestException("Credit-score provider is not available.");
+    }
+
+    const seed = Array.from(`${userId}:${bureau}:${new Date().toISOString().slice(0, 10)}`)
+      .reduce((sum, char) => sum + char.charCodeAt(0), 0);
+    const score = 660 + (seed % 90);
+    return {
+      score,
+      bureau,
+      model: "vantage_score_3",
+      scoreDate: new Date().toISOString(),
+      providerPullId: `sandbox_credit_${seed}_${Date.now()}`,
+      factors: {
+        paymentHistory: "good",
+        utilization: seed % 3 === 0 ? "moderate" : "low",
+        accountAge: "established",
+        inquiries: seed % 2 === 0 ? "low" : "moderate",
+      },
+    };
+  }
 }

src/credit-score/dto.ts

@@ -29,3 +29,17 @@ export class CreateCreditScoreEntryDto {
   @IsObject()
   metadata?: Record<string, unknown>;
 }
+
+export class PullCreditScoreDto {
+  @IsOptional()
+  @IsIn(["experian", "equifax", "transunion"])
+  bureau?: "experian" | "equifax" | "transunion";
+
+  @IsOptional()
+  @IsString()
+  provider?: string;
+
+  @IsOptional()
+  @IsObject()
+  consent?: Record<string, unknown>;
+}