Generate your own credit report (self)

Generates (or reuses) the Qscore credit report of the authenticated account holder — the ARCO / data-protection right of access to one’s own credit information. Unlike POST /v1/qscore/reports, this endpoint is FREE (no fee is charged) and the subject identity is derived from the verified account: the tax_id validated during KYC/KYB. The request does NOT accept a doc_id — requesting a third party’s report through this endpoint is impossible by design (anti-oracle). Frequency limit: one NEW self report every 30 days. If a ready self report already exists within that window, the endpoint returns 200 with the existing report and idempotency_hit: true (reused); otherwise it generates a new one and returns 201. A double submit on the same day returns the already-created report (deterministic idempotency per account + subject + day). Self reports are excluded from the subject’s query count, so pulling your own report never penalizes your score. The report is computed synchronously: the response is the finished report (status ready) or a failed one (status failed with error_code/error_message).