Credit Prediction API
A simple RESTful API that predicts a user's creditworthiness (credit score–like value) based on their financial data using Machine Learning.
Built with ❤️ using FastAPI + Scikit-Learn, this project is designed to help developers or fintech apps integrate credit prediction functionality into their systems.
🚀** Features**
🔮 Predict creditworthiness from financial data
⚡ Fast and lightweight (built on FastAPI)
🧠 Machine learning model trained on sample credit data
🧩 Ready for integration into web or mobile apps
🛡️ Clean structure and modular code ** 🧰 Tech Stack**
Backend: FastAPI (Python)
ML Model: Scikit-Learn
**Data Processing: **Pandas, NumPy
Server: Uvicorn (for local hosting)
📂 Folder Structure
project-bolt/
│
├── app/
│ ├── main.py # Main API entry point
│ ├── model.py # ML model loading and prediction logic
│ ├── schemas.py # Request and response validation
│ ├── utils.py # Helper functions
│ ├── init.py
│
├── model/
│ └── credit_model.pkl # Trained machine learning model
│
├── data/
│ └── sample_data.csv # Example dataset
│
├── requirements.txt # Dependencies
└── README.md # You are here 👋
⚙️ Installation & Setup 1️⃣ Clone the repo git clone https://github.com/yourusername/credit-prediction-api.git cd credit-prediction-api
2️⃣** Create a virtual environment** python -m venv venv source venv/bin/activate # (Windows: venv\Scripts\activate)
3️⃣** Install dependencies** pip install -r requirements.txt
4️⃣** Run the API** uvicorn app.main:app --reload
Your API will be live at 👉 http://127.0.0.1:8000
🔗** Endpoints** POST /predict
Description: Predict a user’s credit score range
Request Body (JSON):
{ "age": 29, "income": 45000, "loan_amount": 12000, "employment_status": "Full-Time", "credit_history": 4 }
Response (JSON):
{ "credit_score": 720, "risk_level": "Low" }
🧠 How It Works (Simplified)
User sends their financial info via POST request.
API validates data using Pydantic schemas.
The trained ML model predicts the user’s creditworthiness.
Response returns credit score + risk level.
🌍** Deployment**
You can host this API easily on:
Render
Railway
Vercel (Serverless FastAPI)
AWS / GCP / Azure
💡** Real-World Use Cases**
🏦 Fintech apps checking user eligibility
💳 Loan approval systems
📱 Credit simulation for learning/finance apps
🧾 Data dashboards for financial risk analysis
🧩 Future Improvements
Connect to real user data (CIBIL-style APIs)
Add user authentication
Store prediction history in DB
Create frontend dashboard
🫶** Credits**
Built by shayanna — with the vision to make credit analysis more transparent, accessible, and AI-driven 🚀