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