On-Demand Credit File Unlock/Unfreeze

Credit locks and freezes are becoming more popular, resulting in lenders experiencing increased disruptions to credit decisioning processes. Allow Access is an innovative API solution designed to overcome these obstacles. By seamlessly integrating Allow Access into your existing online application process, you can enable consumers to unlock or temporarily unfreeze their Equifax credit report directly within your platform. This streamlined approach reduces friction, enhances the consumer experience, and helps you tap into consumers that are seeking new credit or other services.
Benefits
handoncheck
Reduce consumer friction

By streamlining the security lift process for locks and freezes.

TrendUpchart
Boost conversion rates
By removing roadblocks and enabling more consumers to complete their applications successfully.
ThumbsUp
Improve the consumer experience
By providing a seamless process, simplified navigation, and a single touchpoint to complete an application for credit.
Key Features
    • circled-check

      Seamless integration: Allow Access easily integrates into your origination process through a user-friendly widget, minimizing disruptions to the consumer experience.

    • circled-check

      Configurable UI: Adjust the Allow Access UI to better align with your platform’s brand elements.

    • circled-check

      Temporary access: Consumers can grant temporary access to their frozen credit file within the platform, eliminating the need to navigate external processes.

    • circled-check

      Notification system: Lenders receive real-time notifications when credit file access is granted, enabling them to proceed with the application process efficiently.


Use Cases
Allow Access is for businesses that want to solve multiple pain points including:
  • Poor or Disjointed Credit Application Experience
  • Lost Customer Acquisition due to credit file locks or freezes
  • Increased Costs due to following up with consumers who have abandoned credit applications

Allow Access caters to a wide range of consumer credit applications, including:
  • Financial services: Improve banking and lending servicing new accounts by streamlining consumer onboarding and credit applications.
  • Communications and utilities: Enhance new service applications with automation for Cable, Pay TV, or Telecoms.
  • Automotive: Remove roadblocks and reduce friction within auto loan.
  • And more: Allow Access embeds seamlessly within any browser-based online credit application for single-bureau decisioning.

To view API Reference you must be logged in.
To view Additional API Docs you must be logged in.