Clear Bankruptcies

Use Clear Bankruptcies to identify bankruptcy flags associated with the primary owner in the configured CLEAR Risk Inform Person result. The Workflow Builder block is Clear Bankruptcies (clear_bankruptcies), applies to an individual entity, and runs clear_risk_inform_person_search. The service returns the complete account-configured Risk Inform result; the dashboard then selects the bankruptcy flag group at RiskInformPersonSearchResult.PersonEntity.Sections.Section[].SectionDetails.OtherFlags.Bankruptcy.

Requirements

Application field	Requirement	Notes
Primary owner’s first name	Required	Used by the prerequisite ID Confirm Person search.
Primary owner’s last name	Required	Used by the prerequisite ID Confirm Person search.
Primary owner’s city	Required	Used for address matching.
Primary owner’s state	Required	Use a valid U.S. state code.
Primary owner’s street and ZIP code	Optional	These fields can improve matching. ZIP code must be valid for the address country when provided.
Primary owner’s date of birth	Optional	This field can improve matching.
Primary owner’s SSN or ITIN and phone	Optional	These values can improve matching and must pass validation when provided.
ID Confirm Person result	Conditional	A successful prerequisite match is required. Lendflow runs ID Confirm Person first when no usable result is stored.

API flow

Call Enrich Business Credit Application with the application ID in the URL.
Set provider to clear_risk_inform_person_search. Optionally include an underwriting stage_id UUID.
Do not include options; this service has no provider-specific request options.
Confirm data.onqueue: true, which means the job was queued rather than completed.
Poll Get Commercial Data with services[]=clear_risk_inform_person_search.

{
  "provider": "clear_risk_inform_person_search",
  "stage_id": "00000000-0000-4000-8000-000000000000"
}

Operation	Method and route	Result
Queue the service	`PUT /api/applications/{application_id}/enrich`	Returns queue acceptance.
Retrieve status and data	`GET /api/applications/{application_id}/commercial_data?services[]=clear_risk_inform_person_search`	Returns lifecycle status, stored request, and provider response.

Data Orchestration availability

The Clear Bankruptcies block is available in Workflow Builder. The current Data Orchestration attribute catalog does not expose a bankruptcy-specific person-search outcome attribute, so do not substitute the business bankruptcy attributes for this individual block. Evaluate the stored response or another approved outcome attribute. A stored result can satisfy the service prerequisite. If the required CLEAR entity identifier is missing, Lendflow runs the matching ID Confirm service before Risk Inform. The Risk Inform definition name and included sections are account configuration, so a block can finish successfully without the specific result area being present.

What the service returns

Result area	Response path	Meaning
Lifecycle	`data.statuses.clear.clear_risk_inform_person_search`	Latest Lendflow execution state or error message.
Provider status	`data.commercial_data.clear.clear_risk_inform_person_search.Status`	CLEAR’s request-level status.
Risk Inform entity	`data.commercial_data.clear.clear_risk_inform_person_search.RiskInformPersonSearchResult`	Matched entity, section summaries, section details, and total configured score.
Relevant result	`data.commercial_data.clear.clear_risk_inform_person_search.RiskInformPersonSearchResult.PersonEntity.Sections.Section[].SectionDetails.OtherFlags.Bankruptcy`	The result area used for this block’s job.
Submitted request	`data.request_data.clear.clear_risk_inform_person_search`	Stored provider request, including configured definition and permissible-purpose fields. Restrict access and logging.

Representative response

This sanitized response is abbreviated and contains no subject identifiers.

{
  "Status": {"StatusCode": "200", "SubStatusCode": "200"},
  "RiskInformPersonSearchResult": {
    "PersonEntity": {
      "Sections": {"Section": [{
        "SectionName": "Custom",
        "SectionDetails": {"OtherFlags": {"Bankruptcy": {
          "BankruptcyPersonal": {"RiskFlagName": "Bankruptcy - Personal", "RiskFlagScore": "0.00", "RiskFlagHitIndicator": "No"}
        }}}
      }]},
      "TotalScore": "12.00"
    }
  }
}

Response field meanings

Field	Type	Meaning	Possible values or units	When returned
`Status.StatusCode`	String	Primary CLEAR status.	Provider-defined numeric string; successful fixtures use `"200"`.	When CLEAR returns a status body.
`RiskInformPersonSearchResult.PersonEntity`	Object	Matched person and configured risk assessment.	One entity object in current typed frontend handling.	When CLEAR returns a match.
`Header.*.@attributes.sectioncount`	String	Count for a configured section.	Integer encoded as a string.	For returned section summaries.
`Header.*.@attributes.sectionscore`	String	Configured points accumulated by a section.	Signed decimal string; not a probability.	For scored section summaries.
`Sections.Section`	Array	Definition-dependent result sections.	Zero or more section objects.	When section content exists.
`SectionName`	String	CLEAR section label.	For example, `"Custom"`.	For each returned section.
`SectionScore`	String	Configured points for the section.	Signed decimal string.	For scored sections.
`RiskFlagName`	String	Human-readable provider flag.	Definition-dependent text.	For a returned flag.
`RiskFlagHitIndicator`	String	Whether the configured condition hit.	Commonly `"Yes"` or `"No"`.	When supplied by CLEAR.
`RiskFlagScore`	String	Points assigned to the flag.	Signed decimal string.	For a scored flag.
`RiskFlagDetails`	Object or array	Flag-specific detail such as a count or amount.	Definition-dependent.	Only when CLEAR supplies detail.
`DocumentIdentifierInfo`	Object or array	Source label and opaque supporting-document identifier.	`SourceName` and `DocumentGuid`.	When source records support the flag.
`TotalScore`	String	Total points for the configured definition.	Signed decimal string; not a percentage.	For a scored entity.

Missing values and variable shapes

Shape	Interpretation
Missing key or `null`	CLEAR did not return the section, the definition did not include it, or no completed result is stored.
Empty array	An XML element was empty. Do not interpret it as `false` or zero risk.
Object or array	XML conversion can produce one object for one record and an array for repeated records. Support both shapes.
Numeric-looking string	Preserve scores, amounts, counts, and identifiers as strings unless your own validated parser converts them.

Errors and statuses

Signal	Meaning	Action
`Not yet started`	No run is recorded.	Queue the service or execute the published workflow.
`Started`	Lendflow is processing or polling CLEAR. CLEAR can return provider status `204` while results are not ready.	Continue polling.
`Success`	Lendflow stored a response. It does not mean a flag hit or that a record belongs to the subject.	Inspect the provider status and result object.
`Authorization failed.`	CLEAR rejected the configured credentials.	Correct the organization’s CLEAR configuration or contact Lendflow.
Validation message	Required application data or a formatted value is invalid.	Correct the application and rerun.
Empty result or missing section	CLEAR returned no usable match or the configured definition omitted that section.	Treat the value as unavailable, not as a negative finding.
Provider or service error	CLEAR or Lendflow could not complete the operation.	Follow the stored message; retry only when appropriate.

See Data Provider Status Messages for shared status guidance.

FAQ

Which provider ID should I send?

Send clear_risk_inform_person_search. The Workflow Builder block ID clear_bankruptcies is not an enrichment provider ID.

Does the block return only bankruptcy flag group?

No. CLEAR returns the complete configured Risk Inform response. The dashboard selects the relevant nested result for this block.

Do I send CLEAR credentials or permissible-purpose values?

No. Lendflow resolves them from service configuration. Send only your Lendflow bearer token.

Does Success mean a record was found?

No. Success means Lendflow stored the response. Confirm the expected result and its RiskFlagHitIndicator.

Why is the relevant section missing?

CLEAR sections and flags depend on the account’s Risk Inform definition and available public records. Missing data is unavailable, not a negative finding.