{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "type": "object",
  "properties": {
    "application_id": {
      "type": ["string", "null"],
      "description": "Unique identifier for the application."
    },
    "tu_credit_report": {
      "type": ["object", "null"],
      "description": "User Credit report",
      "properties": {
        "creditBureau": {
          "type": "object",
          "description": "Credit bureau details"
        }
      }
    }
  },
  "required": []
}