> ## Documentation Index > Fetch the complete documentation index at: https://api-docs.anzi.finance/llms.txt > Use this file to discover all available pages before exploring further. # Update Credit Status > API error codes for Update Credit Status (PUT /guarantees/credit-status) # Credit Status Error Codes The API returns structured errors with a `code` and `message`. This page documents the error codes you may receive when calling **[Update Credit Status](/api-reference/guarantees/update-credit-status)** (PUT /guarantees/credit-status) and how to resolve them. *** ## Update Credit Status (PUT /guarantees/credit-status) These codes are returned in the response body with HTTP status **400** when a credit status update is rejected due to validation or business rules. | Code | Message | | ------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | GUA\_44 | Guarantee already has an associated claim or has been novated | | GUA\_45 | Cannot update credit status because it is already in CLAIM\_GUARANTEE, NOVATED, REVOKED, or PAID state. These states are final and cannot be modified. | | GUA\_46 | The new outstanding amount cannot be greater than the current outstanding amount. | | GUA\_47 | The outstanding amount cannot exceed the loan amount. | | GUA\_48 | The outstanding amount cannot be negative. | | GUA\_49 | The last payment date must be after the disbursement date. | | GUA\_50 | The new last payment date must be more recent than the currently recorded last payment date. | | GUA\_51 | The last payment date cannot be in the future. | | GUA\_55 | The guarantee was already updated today. | | GUA\_62 | Invalid loan status. Please use one of the valid statuses. | | GUA\_63 | Incomplete payment update: last payment date is required when the outstanding amount changes. | | GUA\_64 | Incomplete payment update: outstanding amount is required when the last payment date changes. | | GUA\_73 | Invalid or malformed date value. The provided date could not be parsed. Please use a valid date format (e.g., YYYY-MM-DD). | | GUA\_74 | For variable premium licenses, please include the guarantee value in the update. | | GUA\_75 | Guarantee value cannot be negative. | | GUA\_77 | On the first balance report, if the last payment date equals the disbursement date, the outstanding balance must equal the original loan amount. | | GUA\_78 | Cannot revoke a guarantee that has already received payments. The credit status can only be set to REVOKED when no payments have been reported. | | GE\_01 | Bad Request | *** ## Cause and resolution ### GUA\_44 — Guarantee has a claim or was novated **What happened:** The guarantee already has an associated claim payment or has been novated to another guarantee. Once a claim or novation exists, the credit status cannot be changed. **What to do:** This is a terminal condition. If you believe this is incorrect, verify the guarantee's current state by calling [Get Guarantee by UID](/api-reference/guarantees/get-guarantee-by-uid). *** ### GUA\_45 — Terminal credit status **What happened:** The guarantee's credit status is already in one of the terminal states: `CLAIM_GUARANTEE`, `NOVATED`, `REVOKED`, or `PAID`. These states are final and cannot be modified. **What to do:** No further credit status updates are possible for this guarantee. If the credit was set to the wrong status, contact your Anzi representative. *** ### GUA\_46 — Outstanding increased **What happened:** The `creditPrincipalOutstanding` you sent is **higher** than the value currently recorded on the guarantee. The outstanding balance can only decrease or stay the same over time. **What to do:** Send a `creditPrincipalOutstanding` value that is equal to or less than the current outstanding balance. If the borrower has not made any payment, send the same value as the current outstanding. *** ### GUA\_47 — Outstanding exceeds loan amount **What happened:** The `creditPrincipalOutstanding` you sent is greater than the original `loanAmount` of the guarantee. **What to do:** The outstanding balance can never exceed the original loan amount. Send a value that is less than or equal to `loanAmount`. *** ### GUA\_48 — Negative outstanding **What happened:** The `creditPrincipalOutstanding` is a negative number. **What to do:** Send a value of `0` or greater. Use `0` when the credit has been fully paid. *** ### GUA\_49 — Payment date before disbursement **What happened:** The `creditLastPaymentDate` you sent is before the guarantee's `disbursementDate`. A payment cannot occur before the loan was disbursed. **What to do:** Send a `creditLastPaymentDate` that is on or after the `disbursementDate`. *** ### GUA\_50 — Payment date before previous payment date **What happened:** The `creditLastPaymentDate` you sent is earlier than the payment date already recorded on the guarantee. Payment dates must move forward in time. **What to do:** Send a `creditLastPaymentDate` that is more recent than (or equal to) the currently recorded date. Check the guarantee's current `creditLastPaymentDate` via [Get Guarantee by UID](/api-reference/guarantees/get-guarantee-by-uid). *** ### GUA\_51 — Payment date in the future **What happened:** The `creditLastPaymentDate` is after today's date (evaluated in the license's timezone). **What to do:** Send a date that is today or earlier. Future payment dates are not allowed. *** ### GUA\_55 — Already updated today **What happened:** The credit status for this guarantee was already updated today. Only one credit status update per calendar day is allowed (evaluated in the license's timezone). **What to do:** Wait until the next calendar day to submit the update. If this is urgent, contact your Anzi representative. *** ### GUA\_62 — Invalid credit status value **What happened:** The `status` field contains a value that does not correspond to any valid credit status. **What to do:** Use one of the valid values: `CURRENT` (0), `DELINQUENT` (1), `CLAIM_GUARANTEE` (2), `NOVATED` (3), `PAID` (4), or `REVOKED` (5). You can send either the string name or the numeric value. *** ### GUA\_63 — Missing payment date **What happened:** You sent `creditPrincipalOutstanding` but did not include `creditLastPaymentDate`. Both fields must be provided together. **What to do:** Include both `creditPrincipalOutstanding` and `creditLastPaymentDate` in the request body. *** ### GUA\_64 — Missing outstanding amount **What happened:** You sent `creditLastPaymentDate` but did not include `creditPrincipalOutstanding`. Both fields must be provided together. **What to do:** Include both `creditPrincipalOutstanding` and `creditLastPaymentDate` in the request body. *** ### GUA\_73 — Invalid or malformed date **What happened:** The `creditLastPaymentDate` value could not be parsed as a valid date. It may be in an unrecognized format, contain invalid characters, or represent an impossible date. **What to do:** Send `creditLastPaymentDate` in a valid date format (e.g., `YYYY-MM-DD`). Ensure the value is a real calendar date. *** ### GUA\_74 — Missing guaranteeValue for variable premium license **What happened:** Your license is configured with variable portfolio premiums paid by installment amount (FIRST\_LOSS + installmentsEnabled + isPremiumReportedByCollections + INSTALLMENT\_AMOUNT strategy), and `guaranteeValue` was not included in the request. **What to do:** Include `guaranteeValue` in every credit status update request. This value represents the premium amount collected for the current billing cycle. *** ### GUA\_75 — Negative guaranteeValue **What happened:** The `guaranteeValue` field is a negative number. **What to do:** Send a `guaranteeValue` of `0` or greater. *** ### GUA\_77 — Invalid first balance report **What happened:** This is the first time a balance is being reported for this guarantee, the `creditLastPaymentDate` equals the `disbursementDate`, but the `creditPrincipalOutstanding` does not equal the original `loanAmount`. On the first report with no actual payment, the outstanding must match the loan amount. **What to do:** If no payment has been made yet, send `creditPrincipalOutstanding` equal to the guarantee's `loanAmount`. If a payment was made, send a `creditLastPaymentDate` that is after the `disbursementDate`. *** ### GUA\_78 — Cannot revoke guarantee with payments **What happened:** You tried to set the credit status to `REVOKED`, but the guarantee has already received payments (the outstanding principal is less than the original loan amount). **What to do:** The `REVOKED` status is only allowed when no payments have been reported — i.e., the outstanding balance equals the original loan amount. If payments have been made, this guarantee cannot be revoked. *** ### GE\_01 — Bad Request (generic) **What happened:** The request failed a general validation or business rule that is not mapped to a specific error code. **What to do:** Review the request body against the [Update Credit Status](/api-reference/guarantees/update-credit-status) schema. Check required fields, formats, and status transition rules. If the issue persists, use the exact `code` and `message` when contacting support.