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# Credit Goals

The **Credit Goals** components allow an end-user to view their credit score, credit history, and insights.\
There are two components depending on the flow:

* **Card Credit Goals** — for consumers onboarding via Card.
* **CBaaS Credit Goals** — for consumers onboarding via Credit Builder as a Service.

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# Steps

## 1. Authentication

Both components require a JWT with the following scope:

* `api:credit-insights:read`

This token must be scoped to the **current consumer**.

See [consumer scoped token](/api-access/api-reference/auth/create-token-exchange) API

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## 2. Parameters

| Parameter      | Value            | Notes                                                                                                                                          |
| -------------- | ---------------- | ---------------------------------------------------------------------------------------------------------------------------------------------- |
| `cid`          | Guid             | The `upward_consumer_id` property of the consumer. This maps to an ID your platform stores for the user. *(Required for CBaaS component only)* |
| `access_token` | JWT Bearer Token | Must include the `api:credit-insights:read` scope. Useful if your platform cannot inject the token directly into the component.                |

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## 3. Load Component

Choose the correct component based on the flow:

### Card Credit Goals Component

[https://component-embedded-sandbox.upwardli.com/en/credit-goals/?access\_token=](https://component-embedded-sandbox.upwardli.com/en/credit-goals/?access_token=)

### CBaaS Credit Goals Component

[https://component-embedded-sandbox.upwardli.com/credit-insights/?access\_token=\&cid=](https://component-embedded-sandbox.upwardli.com/credit-insights/?access_token=\&cid=)